Chase Sapphire Reserve®

: 2024 Review

Best for frequent traveling + no foreign transaction fees
$550 annual fee
United States


Chase Sapphire Reserve®

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The Chase Sapphire Reserve® is a premium travel rewards card for frequent flyers and travelers who want to maximize their spending. I've used it for its no foreign transaction fees and rich miles rewards program. It's known to offer a competitive rewards program vs its closest competitor, the American Express Platinum Card®, for a lower fee. In addition, the Chase Sapphire Reserve® comes with a number of premium perks, such as travel credits, airport lounge access, and primary rental car insurance.

Welcome bonus

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening (equivalen to ~$900 toward travel)

Reward rate (1x-10x)

  • Gain a 10x accumulation of total points when making travel purchases via Chase Ultimate Rewards for hotels and car rentals
  • Acquire a cumulative 5x points on flights by utilizing Chase Ultimate Rewards
  • Earn 3x points for other travel and dining expenditures after earning the $300 travel credit
  • Secure 1 point for each dollar spent on all remaining purchases
  • Reap the benefits of a 50% enhanced value while exchanging your points for travel through Chase Ultimate Rewards

Other benefits

  • Enjoy a $300 Yearly Travel Credit, reimbursing you for travel transactions billed to your card on every account anniversary
  • Facilitate a 1:1 point transfer to prominent airline and hotel loyalty programs
  • Access over 1,300 airport lounges worldwide following an uncomplicated, one-time registration in Priority Pass™ Select (Enrollment required)
  • Up to $100 credit for application fees, renewable every four years, for Global Entry, NEXUS, or TSA PreCheck® (Enrollment required)
  • Rely on coverage such as Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and an aray of other benefits


  • $550 annual feee
  • $75/year per additional authorized user
  • No foreign transaction fees

Sources: CNET, Nerdwallet, Forbes Advisor

Dexter Zhuang
Dexter Zhuang

Dexter is the founder of Money Abroad, a website and newsletter on building wealth for global professionals. Over the last 10 years, he's been a product leader, product manager, consultant and coach at companies like Dropbox, Xendit, and growth-stage startups across the US, Asia Pacific, and Latin America. His work has been featured in global publications like Business Insider, CBS, US News & World Report, and Tech in Asia. He graduated from Dartmouth College.

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