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The Chase Sapphire Reserve® is my favorite travel credit card. It's loaded with useful benefits and perks that save me money, reward me for everyday spending and protect me each time I use it and when I travel.

Just as I love to earn the best travel rewards, I want the same for my mom. After all, if she has more miles and points, she’s more likely to hop on a plane and come to babysit my kids! But in addition to helping me out, here are some great reasons why I helped my mom get the Chase Sapphire Reserve®—and why you should consider it yourself.

Chase Sapphire Reserve®

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Rates & Fees
  • Our Rating 4.5/5 How our ratings work Read the review
  • APR22.49% - 29.49% (Variable)
  • Annual Fee$550
  • Sign-Up Bonus 60,000Chase Ultimate Rewards Points More Info

    Earn 60,000 bonus points after using your card to spend $4,000 within three months of account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)

This card features an annual credit for travel purchases, which can offset the annual fee, plus bonus points when you sign up. You'll also get free access to tons of Priority Pass lounges and restaurant options around the world, along with access to the upcoming Chase Sapphire Lounge network.


If you’re looking to elevate your travel experience, look no further than the Chase Sapphire Reserve. When you first get approved, you’ll earn a sign-up bonus of 60,000 points after you spend $4,000 in the first three months—that’s worth at least $900 in travel-related spending booked through Chase Ultimate Rewards® and potentially more if you transfer your rewards to one of Chase’s airline or hotel partners.


  • An array of premium travel perks including access to Priority Pass lounges
  • Easy-to-use $300 travel credit that helps offset card's annual fee
  • Generous rewards rates for spending


  • High annual fee may be a deterrent for some
  • Perks are starting to get stale relative to newer competition

Travel Credits

The Chase Sapphire Reserve® charges an annual fee of $550. This is well above what the average person has likely paid for an annual fee. But if you're serious about travel and spend at least $300 per year on travel anyway, this card is effectively much less expensive.

Right off the bat, the card features a $300 annual credit for travel purchases. The first $300 you spend on flights, hotels or other eligible purchases is wiped off of your balance through statement credits. For frequent travelers, this helps to greatly reduce the annual fee.

It also includes a credit worth up to $100 every four years for Global Entry or TSA PreCheck. That’s another $25 per year value from credits alone. If you take full advantage of all of the credits, it’s a massive discount on your annual fee.

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Travel Rewards Points

When opening a new account, the Chase Sapphire Reserve® includes the chance to earn a 60,000-point sign-up bonus. And these points are worth even more if you redeem through the Chase Ultimate Rewards website. You can also transfer points to partners like United, Southwest and Marriott for sometimes more valuable rewards.

Points are worth 1.5 cents each when redeemed through the Chase Ultimate Rewards portal. This gives you access to just about any travel you could purchase through Expedia. My mom isn’t always going to spend the same amount of time as I do in figuring out the best way to use points, but you’ll always get a decent deal using points through Ultimate Rewards at a 1.5 cent per point rate.

Airport Lounge Access

When I was in my early 20s, I didn’t care much about personal comfort when traveling. I was happy to take coach seats, spend long hours in airports and sleep in hostels. Today, I want to be comfortable wherever I go. I know my mom feels the same, as her definition of "camping" means staying at a Marriott outside of a large city.

When she’s in an airport, she can use her Priority Pass Select membership to go into one of more than 1,400 lounges and restaurant options around the world. Those lounges usually give you free food and drinks, cleaner bathrooms, fast internet and a comfortable place to sit outside of the ruckus of an airport terminal.

Priority Pass memberships range from $99 to $46S per year. So that’s another huge value when you carry this card. The more you use it, the more it’s worth to you.

Travel and Purchase Coverage

Many airline websites give you the option to buy additional travel insurance at checkout in case something comes up or you have to cancel. Travel insurance isn’t a bad idea in many situations. But paying extra for it can add on an extra expense for your trip that you hadn’t budgeted for. But with the Chase Sapphire Reserve®, you likely won't need extra travel insurance.

This card includes trip cancellation and interruption insurance. That even covers weather delays when airlines leave you on your own to figure out lodging. The card also has insurance for rental cars, lost luggage and travel emergencies.

For shopping, the Chase Sapphire Reserve®includes purchase protection, return protection and extended warranty benefits. These added benefits can be worth thousands of dollars depending on if and how you use them.

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The Chase Sapphire Reserve® Works Pretty Much Everywhere

Visa is a widely accepted credit card brand that works just about anywhere in the world credit cards are accepted. With an EMV security chip, it works in kiosks like the London Underground, where some non-chip cards don’t work. And, like most premium travel cards, you don’t have to pay any foreign transaction fees when using the card outside of the United States.

On a recent trip back to Denver to visit my parents, I sat down with my mom and helped her apply for the Chase Sapphire Reserve®. She was instantly approved, got her Priority Pass card and now uses her shiny, new, metal credit card for virtually every purchase. For her spending habits and travel preferences, it is definitely worth carrying, and it might be for yours, too.


Eric Rosenberg

Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in depth experience writing about banking, credit cards, investing, business, and other financial topics. When away from the keyboard, Eric enjoys exploring the world and spending time with his wife and little girls. You can connect with him at Personal Profitability or