Chase Sapphire Reserve Credit Card (2023)

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80,000 Bonus Points After You Spend $4,000 On Purchases In The First 3 Months From Account Opening: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. To qualify and receive your bonus, you must make Purchases totaling $4,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.


$300 Annual Travel Credit: A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to an annual maximum accumulation of $300. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. (For applications submitted before May 21, 2017, annual means the year beginning with your account open date through the first December statement date of that same year, and the 12 billing cycles starting after your December statement date through the following December statement date each year.) Call the number on the back of your card to see when you are eligible for your next $300 Annual Travel Credit. Purchases are when you, or an authorized user, use a card to make purchases of products and services. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We do not determine whether merchants correctly identify and bill transactions as being of a certain type. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window. Statement credit(s) will post to your account the same day your travel category purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. The Annual Travel Credit will be issued for the year in which the transaction posts to your account. For example, if you pay for baggage fees, but the airline does not post the transaction until after the current annual period ends, the cost of the baggage fees will be allocated towards the following year’s Annual Travel Credit maximum of $300.

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Earning Points: Rewards Program Agreement: For more information about the Chase Sapphire Reserve rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window. We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window.
How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Chase Sapphire Reserve credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: any purchases that qualify for the $300 Annual Travel Credit, balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 3 points ("3X points") on travel purchases: You'll earn 3 points for each $1 after the first $300 is spent annually on purchases in the travel category. 5 points ("5X points") on Ultimate Rewards airline ticket purchases: You'll earn 5 points total for each $1 spent on airline ticket purchases booked using your card through the Ultimate Rewards program after the first $300 is spent annually on purchases in the travel category (2 additional points on top of the 3 points earned on each purchase in the travel category). 10 points ("10X points") on Ultimate Rewards hotel accommodation and car rental purchases: You'll earn 10 points total for each $1 spent on hotel accommodation and car rental purchases booked using your card through the Ultimate Rewards program after the first $300 is spent annually on purchases in the travel category (7 additional points on top of the 3 points earned on each purchase in the travel category). "Annually" means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. 10 total points ("10X points") on qualifying Lyft rides through 03/2025: You'll earn an additional 7 points for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional points. You may see "10X" in marketing materials to refer to the 7 points in addition to the 3 points earned on travel purchases (see above). The additional 7 points will appear on your billing statement in a separate line from the 3 points. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. 3 points ("3X points") on dining at restaurants purchases: You'll earn 3 points for each $1 spent on purchases in the dining at restaurants category. 10 points ("10X points") on Ultimate Rewards Chase Dining purchases: You'll earn 10 points for each $1 spent on Chase Dining purchases booked using your card through the Ultimate Rewards program. 1 point ("1X points"): You'll earn 1 point for each $1 spent on all other purchases. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window.


Travel Through Chase Ultimate Rewards: When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Ultimate Rewards is worth $.0150 (one and a half cents), which means that 100 points equals $1.50 in redemption value, and points are worth 50% more than if redeemed for cash. For example, 80,000 points are worth $1,200 when redeemed for travel purchases, or $800 when redeemed for cash. The cost of travel is based on the rates and fares available through the Ultimate Rewards website and travel center, and may not reflect all rates and fares that are available through other sales channels.
If you choose to use points and your Chase Sapphire Reserve credit card to pay for your purchase, each pointwill be worth $.0150, but your credit card will be charged the full remaining dollar amount.


Priority Pass Select Membership
One time activation required. Priority Pass Select membership includes access to airport lounges, restaurants, cafes and markets participating in the Priority Pass Select network. There is no additional cost to activate your membership and certain terms, conditions and exclusions apply. Primary Cardmembers and Authorized Users are granted complimentary access to the Priority Pass lounges and are allowed a maximum of two accompanying guests each. For any additional guests, your card will be charged $27 per guest, per visit. Your card will be charged after you have signed for the additional guest visits in the participating lounge and the visits have been reported to Priority Pass. Access may be denied if the lounge is at capacity. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Your Chase Sapphire Reserve account must be open and not in default to maintain membership. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges, restaurants, cafes and markets, please visit www.prioritypass.com/select.

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Global Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit: To be eligible for this statement credit, you must use your Chase Sapphire Reserve card to complete either the Global Entry, TSA PreCheck® or NEXUS application and pay the application fee. You will receive one (1) statement credit (up to $100) every four (4) years after the first program (either Global Entry or TSA PreCheck® or NEXUS) application fee is charged to your Chase Sapphire Reserve card, by you or an authorized user. The statement credit will be posted to your account within twenty-four (24) hours of the Global Entry or TSA PreCheck® or NEXUS program application fee being charged to your card. You are responsible for payment of all charges until the statement credit posts to the account. Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). TSA PreCheck® is a U.S. Government program, operated by the U.S. Transportation Security Administration (TSA). NEXUS is a U.S. Government program, operated by the US Department of Homeland Security. Chase has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA or DHS, and no liability regarding the Global Entry or TSA PreCheck® or NEXUS programs. For complete application details on the Global Entry, TSA PreCheck® or NEXUS programs, including full terms and conditions, go to https://ttp.cbp.dhs.gov/. Websites and other information provided by government agencies are not within Chase's control and may not be available in Spanish. The statement credit benefit applies to the Global Entry, TSA PreCheck® or NEXUS programs. Other program applications including, but not limited to Privium are not eligible for the statement credit benefit. To be eligible for this benefit, your account must be open and not in default at the time of statement credit fulfillment.
TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security.


Luxury Hotel & Resort Collection: The Luxury Hotel & Resort Collection (LHRC) program benefits and Guest Privileges are available exclusively on select Chase credit cards. To receive the Guest Privileges, reservations must be made through an LHRC Travel Specialist or on the LHRC website via Ultimate Rewards. Websites and other information provided by LHRC and/or participating hotels are not within Chase's control and may or may not be available in Spanish. All exclusive amenities and Guest Privileges are provided per room and are based on double occupancy. Some amenities may only apply to select rates, may be subject to availability at check-in, and are not redeemable for cash. Amenities may not be combined with other offers, including tour operator or wholesaler rates and packages. Complimentary Wi-Fi provided, with the exception of locations where Wi-Fi is not available. Program benefits, participating properties, and Guest Privileges are valid through the current calendar year, but may become unavailable due to circumstances outside of Chase's control. All efforts have been made to ensure the accuracy of the information contained. We reserve the right to correct any mistakes. Certain blackout dates and other restrictions may apply. This program is brought to you by Chase through an agreement with Signature Travel Network.


$10 Monthly Gopuff Statement Credit: You will receive a $10 statement credit each month you make a qualifying Gopuff purchase of at least $10 through 12/31/2023. Qualifying Gopuff purchases include only those made by you, or an authorized user, with your eligible credit card through gopuff.com or the Gopuff mobile application (excluding gift card purchases). We do not determine whether merchants correctly identify and bill transactions as being of a certain type. Payment through third-party payment accounts, or online or mobile digital wallets, or through third parties will qualify for this offer if accepted by Gopuff. Statement credit will appear on your monthly credit card billing statement within 1-2 billing cycles after your qualifying Gopuff purchase posts to your account. Account must be open and not in default at the time the statement credit is posted to your account. Chase is only responsible for posting the statement credit to your credit card account, based on information supplied by Gopuff. Chase is not responsible for the provision of, or the failure to provide, Gopuff benefits and services. Additional fees, terms and conditions may apply. Order minimums may apply. Gopuff delivery not available in all markets. Must be 21 or older to purchase certain products. Eligible credit cards: Freedom — Chase Freedom Card, Chase Freedom Unlimited Card, Chase Freedom Student Card, Chase Freedom Flex Card. Ink — Chase Ink Plus Card, Chase Ink Cash Card, Chase Ink Business Premier Card, Chase Ink Business Preferred Card, Chase Ink Business Cash Card, Chase Ink Business Unlimited Card. Sapphire/J.P. Morgan — Chase Sapphire Card, Chase Sapphire Preferred Card, Chase Sapphire Reserve Card, J.P. Morgan Reserve Card. Slate Edge — Chase Slate Edge Card. Aer Lingus — Aer Lingus Visa Signature® Card. Aeroplan — Chase Aeroplan® Card. British Airways — British Airways Visa Card, British Airways Visa Signature® Card. Disney — Disney® Premier Visa® Card, Disney® Visa® Card. World of Hyatt — World of Hyatt Credit Card, World of Hyatt Business Credit Card. Iberia — Iberia Visa Signature® Card. IHG — IHG® Rewards Premier Credit Card, IHG® Rewards Select Credit Card, IHG® Rewards Traveler Credit Card, IHG® Rewards Classic Credit Card. Marriott/Ritz-Carlton — Marriott Bonvoy® Credit Card, Marriott Bonvoy® Premier Credit Card, Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy® Business Card, Marriott Bonvoy® Premier Plus Business Card, The Ritz-Carlton Credit Card. Southwest — Southwest Rapid Rewards® Credit Card, Southwest Rapid Rewards® Classic Credit Card, Southwest Rapid Rewards® Plus Credit Card, Southwest Rapid Rewards® Employee Credit Card, Southwest Rapid Rewards® Premier Credit Card, Southwest Rapid Rewards® Priority Credit Card, Southwest Rapid Rewards® Plus Business Credit Card, Southwest Rapid Rewards® Premier Business Credit Card, Southwest Rapid Rewards® Performance Business Credit Card. Starbucks — Starbucks® Rewards Visa® Card. United — United ClubSM Card, UnitedSM Presidential PlusSM Card, United MileagePlus® Select Card, United MileagePlus® Awards Card, United QuestSM Card, United GatewaySM Card, UnitedSM Explorer Card, United Business Card, United ClubSM Business Card, United Presidential PlusSM Business Card.

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Complimentary DashPass from DoorDash: You and your authorized user(s) will receive at least 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date, when the membership is activated with a Chase Sapphire Reserve card by 12/31/2024. Membership period for all users on this Chase Sapphire account will begin and end based on when the first user activates the membership on the DoorDash or Caviar mobile applications. The same login credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their Chase Sapphire card as a default payment method in the DoorDash or Caviar mobile application, and then click the activation button. Once enrolled in DashPass, you must use your Chase Sapphire card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass from DoorDash include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may still apply. Current value of the DashPass membership is as of 04/01/2022. DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. If you product change to another Chase credit card eligible for a DashPass membership during the promotional period, your DashPass benefits may change. You may experience a delay in updating your applicable DashPass benefits in the DoorDash or Caviar mobile application; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Your Chase Sapphire account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US.


Earn $5 monthly DoorDash Credits through 12/31/2024: Get $5 in DoorDash credits each calendar month while enrolled in DashPass through 12/31/2024. When applied to an order, the $5 credit will apply only to the subtotal of your order at checkout. The credit does not apply to fees, taxes, or tip and gift card purchases are excluded. You or up to 7 authorized users must be enrolled in DashPass and use your Chase Sapphire Reserve card for payment at checkout to receive the credit. If the credit is not used within the calendar month, it will be carried over for a maximum of 2 months. Up to $15 in credit can be accrued before a $5 credit expires. DoorDash credits have no cash value and are non-transferable. Chase is not responsible for the provision of, or the failure to provide, DoorDash benefits and services. If you product change to another Chase credit card eligible for a DashPass membership during the promotional period, your DashPass benefits may change. You may experience a delay in updating your applicable DashPass benefits in the DoorDash application; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Additional DoorDash promotional terms and conditions available at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US.

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All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions.


Complimentary Instacart+ Membership: You will receive one complimentary Instacart+ membership per eligible card account for 12 months (for Chase Sapphire Reserve and J.P. Morgan Reserve cardmembers) when the membership is activated on http://www.instacart.com/chase with an eligible card between 6/15/2022 and 7/31/2024. ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first). This offer is non-transferrable. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Benefits of Instacart's membership include no delivery fee on orders that total over $35 (amount subject to change – see Instacart.com for current minimum); however, other fees, taxes, and/or tips may apply. Delivery subject to availability. If you do not currently have a paid or trial Instacart+ membership, by activating your Instacart+ membership, you agree to the Instacart+ Terms and you agree that after the complimentary Instacart+ membership period ends, you will be automatically enrolled in an annual Instacart+ membership and billed at $99/year or the then current annual Instacart+ membership rate for each membership activated, unless you have not placed any orders or you cancel during your complimentary Instacart+ membership period. If you currently have a paid or trial Instacart+ membership, you agree that your existing membership will be paused for the duration of this benefit and resume upon expiration. Your existing membership will automatically renew based on the Instacart+ Terms previously agreed upon unless you cancel. Your membership fees will be billed to any active payment method on file until you cancel. You can cancel your Instacart+ membership prior to the end of your complimentary Instacart+ membership period or at any time thereafter by selecting "Cancel Membership" in your Account Settings. Cancellation goes into effect during the next billing cycle. You may cancel within the first 15 calendar days of your paid Instacart+ membership and receive a refund of the Instacart+ membership fee you paid, but only if you have not placed any orders using your Instacart+ membership. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default.


Statement Credit on Instacart Purchases: Earn up to $15 per calendar month (for Chase Sapphire Reserve and J.P. Morgan Reserve cardmembers) in statement credits on qualifying Instacart purchases from 8/1/2022 through 7/31/2024 when you activate a complimentary Chase Instacart+ membership on Instacart.com/Chase with your eligible Chase credit card. You can check the status of your enrollment in the Chase benefit within the Instacart+ section of the Instacart mobile app. You will continue to receive statement credit benefits regardless of whether you choose to renew your Instacart+ membership at the end of your complimentary period. Qualifying Instacart purchases include only those orders purchased by you, or an authorized user, with a Chase Sapphire Reserve credit card through Instacart.com or the Instacart mobile application (gift cards excluded). Statement credit(s) will post to your account within 48 hours of your qualifying Instacart purchase posting to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Statement credits will be issued for the calendar month in which the transaction posts to your account. For example, if you pay for an Instacart order, but Instacart does not post the transaction until after the current calendar month ends, the cost of the Instacart purchase will be allocated towards the next calendar month's maximum, or will not qualify if the promotional period has ended. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Accounts must be open and not in default at the time the statement credit posts to your account.

INSTACART®, the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.

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Accounts subject to credit approval. Restrictions and limitations apply. Chase Sapphire Reserve credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Offer subject to change.

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FAQs

Is the Chase Sapphire Reserve card worth it? ›

The Chase Sapphire Reserve® card is unequivocally worth its $550 annual fee with a sign-up bonus worth at least $1,200, a $300 annual travel credit, complimentary lounge membership, and the ability to earn highly-valuable Chase Ultimate Rewards points.

How hard is it to get a Chase Sapphire Reserve card? ›

Chase Sapphire Reserve requires excellent credit for a strong chance of approval, which means a score over 750. Many people consider a score of 720 or above to be excellent, but WalletHub has found that 750 is really where the odds begin to tip in your favor.

What is the Chase Sapphire Reserve credit limit? ›

The minimum credit limit for the Chase Sapphire Reserve card is $10,000, which is considered a high limit. While there is no published credit limit for this premium travel rewards card, it is reasonable to expect that the card, like the Chase Sapphire Preferred card, could also have a top limit exceeding $100,000.

Is Chase Sapphire Reserve still worth it 2022? ›

The Chase Sapphire Reserve® card has a $550 annual fee, but its benefits can outweigh this yearly fee if you use them all strategically. If you travel often, then the high earnings rate on travel spending can easily justify the annual fee.

Why is Chase Sapphire Reserve so popular? ›

The Chase Sapphire Reserve® is a great credit card for those who travel often, as it offers luxury travel perks such as airport lounge access and strong travel insurance protections, plus a number of statement credits. But even better, Chase just announced a terrific new sign-up bonus for the card.

Is Chase Sapphire a prestigious card? ›

Chase Sapphire Reserve®

Why It's One of the Most Exclusive Credit Cards: The “Reserve” part of this card's name hints at exclusivity, as does its excellent-credit approval requirement. And its travel perks show why it's a prestigious choice.

How much should I spend on sapphire Reserve? ›

For the Chase Sapphire Reserve card to be worth it, we'll need to accumulate at least 12,500 Chase Ultimate Rewards points, which are worth $250 by our valuations. That means in a given year, you'll need to spend $4,167 on 3x categories like travel (excluding the $300 travel credit) and dining for it to make sense.

What card is better than sapphire Reserve? ›

The Platinum Card® from American Express is a good alternative for those who don't mind a high-annual-fee card that's packed with premium benefits. However, the Capital One Venture X Rewards Credit Card offers overall the best value as an alternative to the Chase Sapphire Reserve®.

What is the minimum credit score for Chase Sapphire Reserve? ›

Reports suggest that you'll typically need a score of at least 720 to get approved for the card, though the average score is slightly higher. People with scores below 700 have been approved for the card, but the approval usually isn't instant in those circumstances.

What credit card do billionaires use? ›

The super rich use a variety of different credit cards, many of which have strict requirements to obtain, such as invitation only or a high minimum net worth. Such cards include the American Express Centurion (Black Card) and the JP Morgan Chase Reserve.

What credit card has a $100000 limit? ›

On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We've also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card.

Which Chase card has the highest limit? ›

The hands-down winners among the Chase cards are the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card twins sporting an overall credit limit as high as $500,000.

Is Chase Sapphire Reserve harder to get than Amex Platinum? ›

To qualify for either of these cards, you will need great credit. Applicants will need either good credit or excellent credit to be approved, although the Amex Platinum is more forgiving than the Chase Sapphire Reserve. Both cards generally require at least a 700 credit score.

How many credit cards are too many? ›

It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.

Does Chase Sapphire Reserve get you into airport lounges? ›

Select credit cards, like the Chase Sapphire Reserve®, offer complimentary Priority Pass™ Select Membership lounge access to 1,300+ VIP lounges in over 500 cities worldwide.

Is Chase Sapphire Reserve for rich people? ›

One credit card that's accessible to people who aren't millionaires is the Chase Sapphire Reserve®. However, this card usually requires an excellent credit score for approval and has an annual fee of $550.

What do you need to qualify for Chase Sapphire Reserve? ›

Strong credit appears to be required: Unlike many other card issuers, Chase doesn't specify the minimum credit score range to qualify for each of its cards. But the best indications are the Chase Sapphire Reserve recommends excellent credit, which is to say a score of at least 750.

How do I avoid Chase Sapphire Reserve fees? ›

If you want to try for a fee waiver or reduction, you can call the number on the back of your card or the general Chase customer service line: 1-800-432-3117. According to people who've had luck with fee waivers on other credit cards, having a high income and spending a lot can help.

Is Chase Sapphire hard to qualify for? ›

Generally, you'll need to have a credit score of at least 700 in order to qualify for the Chase Sapphire Preferred® Card. It is possible for you to qualify with a lower score — or even be rejected with a higher score — but to improve your odds of being approved, aim to have a score above 700.

Is Chase Sapphire a heavy card? ›

Though the Chase Sapphire Preferred is a bit lighter than its heavy metal counterpart, it's a more affordable metal card option and ranked as Select's best travel credit card with an annual fee under $100.

Which luxury card is the best? ›

Best luxury and premium cards
  • Dining out and restaurants: American Express® Gold Card.
  • Best for redemption bonus: Chase Sapphire Reserve®
  • Best for flights: Capital One Venture X Rewards Credit Card.
  • Best for business owners: The Business Platinum Card® from American Express.

How much is 80k Chase Sapphire worth? ›

In this capacity, 80,000 points are worth $1,000 with no blackout dates or restrictions. The Chase Sapphire Reserve® upgrades your redemption rate to 1.5 cents per point. At that rate, the same 80,000 points are worth $1,200.

Do you have to pay off Chase Sapphire Reserve every month? ›

Like virtually every other premium travel card, the Chase Sapphire Reserve doesn't charge foreign transaction fees. You'll want to make sure you can pay your balance in full each month to avoid interest charges (currently a 19.99% - 26.99% Variable APR on purchases).

How much is 100k sapphire points worth? ›

How much are 100,000 Chase points worth? When redeemed for cash back, 100,000 Chase points are worth $1,000. When redeemed for travel booked through Chase, 100,000 points are worth $1,500 if you have the Chase Sapphire Reserve®, or $1,250 with the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card.

Is Chase Sapphire Reserve an elite card? ›

Welcome Offer. If you're looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there. The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.

Is it worth having Amex Gold and Chase Sapphire Reserve? ›

Should I have the Chase Sapphire Reserve and Amex Gold? You should get both the Chase Sapphire Reserve and Amex Gold cards if you want the best of both worlds: The Sapphire Reserve for the travel perks and Amex Gold for generous category bonuses on everyday spending.

Does Chase ask for proof of income? ›

Experian, one of the top credit bureaus, states that a score of 670 or above is “generally considered good” and a “score of 800 or above is considered to be excellent.” Sufficient Income — Chase will want to verify sufficient income to determine your ability to pay and to calculate the amount of your credit card limit.

How much is 50000 Chase Sapphire Reserve worth? ›

50,000 Chase points are worth $535 with most Chase credit cards, whether you spend them on travel, cash back, gift cards, experiences or shopping. With a few Chase cards, 50,000 points can be worth 25% - 50% more when redeemed for travel through Chase Ultimate Rewards.

Why did I get denied Chase Sapphire Reserve? ›

You were probably denied for Chase Sapphire Reserve due to having a less-than-excellent credit (a credit score below 750) and not earning enough income to keep up with monthly payments.

What is the rarest credit card in the world? ›

Dubai First claims its Royale Card is the most exclusive credit card in the world. The Royale Card by Dubai First is an invitation-only credit card with no pre-set spending limit. The card is trimmed with gold on two sides and features a solitary . 235-carat diamond centered on the front.

Does a black card mean you're rich? ›

'Black credit card' is the catch-all term usually used to describe the most exclusive credit cards available to the wealthiest individuals. They are given out by banks to high-earning, big-spending customers and offer impressive perks and very high or unlimited credit.

What is a black card limit? ›

What Is the Spending Limit on the American Express Black Card? There is no spending limit with the Amex Black Card. However, balances must be paid off in full every month.

What is the credit card limit for 50000 salary? ›

#1 Your Income/Salary:

Usual credit limit is 2X or 3X of your monthly income. Suppose your salary slip shows Rs. 50,000 per month, you can expect Rs. 1 Lakh – 1.5 Lakh credit limit.

How high is too high of a credit limit? ›

Using your credit card's credit limits to full capacity can negatively impact your credit utilization ratio, a key factor that affects credit scores. It's recommended you don't exceed 30% of your available credit limit to maintain healthy credit scores.

What is the largest credit card purchase ever? ›

In 2015, Liu Yiqia, a billionaire of Chinese origin, placed the winning auction bid to purchase a painting by Amedeo Modigliani's: Reclining Nude. The cost of the artwork? $170 million USD. Yes, you got it right: this man used his no-limit AMEX credit card to buy a $170-million painting.

Can I buy a car with a credit card? ›

Car dealers and auto lenders that do accept credit cards as a form of payment may also charge a convenience fee. This fee is often designed to cover the transaction fee mentioned above and can range from 2% to 4%. You should take this into consideration if you decide to purchase a car with your credit card.

How much credit can I get with a 800 credit score? ›

If you're more interested in a personal loan, you could borrow up to $100,000. The best personal loans for an 800 credit score are from LightStream because they offer $5,000 - $100,000 in funding with APRs of 5.99% - 21.49% and repayment periods of 24 - 84 months.

What credit limit can I get with a 750 credit score? ›

The credit limit you can get with a 750 credit score is likely in the $1,000-$15,000 range, but a higher limit is possible. The reason for the big range is that credit limits aren't solely determined by your credit score.

Is platinum or sapphire better? ›

Chase Sapphire Reserve® is the winner over The Platinum Card® from American Express. Chase Sapphire Reserve is a better credit card deal because of its lower annual fee, better insurance coverage and greater worldwide acceptance.

How much is 150k Amex points worth? ›

We generally value Membership Rewards points at about 2.2 cents per point, which means that a 100,000-point bonus offer is worth ~$2,200, a 125,000-point bonus is worth ~$2,750, and a 150,000-point bonus is worth $3,300.

Should I switch from Sapphire Reserve to Amex Platinum? ›

Winner: Amex Platinum is the clear winner when it comes to perks and benefits, which include its $1,400-plus in annual statement credits, expanded airport lounge access, travel protections, and elite status with Marriott and Hilton.

What is a good average age of credit accounts? ›

The more years you can put between you and your first (successful) credit card application, the more your score will benefit. As you add new credit, however, your average will drop. While there is no golden number to aim for, getting your average age of credit to between six and 10 years is probably a good goal.

Does canceling a credit card hurt your credit? ›

A credit card can be canceled without harming your credit score⁠. To avoid damage to your credit score, paying down credit card balances first (not just the one you're canceling) is key. Closing a charge card won't affect your credit history (history is a factor in your overall credit score).

What is considered high credit card debt? ›

If your total balance is more than 30% of the total credit limit, you may be in too much debt. Some experts consider it best to keep credit utilization between 1% and 10%, while anything between 11% and 30% is typically considered good.

What airlines does Chase Sapphire Reserve work with? ›

Here are the Chase Sapphire Reserve airline partners:

Emirates Skywards. Flying Blue AIR FRANCE/KLM. Iberia Plus. JetBlue TrueBlue.

Is TSA PreCheck free with Chase Sapphire? ›

You can get Global Entry for free by using the Chase Sapphire Reserve card's application fee reimbursement, which covers up to $100 every 4 years. You can also use this credit for TSA PreCheck or NEXUS.

Do you get priority boarding with Chase Sapphire Reserve? ›

Yes, since launch, Chase Sapphire Reserve® has offered its cardholders complimentary Priority Pass Select membership, which provides access to more than 1,300 airport lounges and restaurants worldwide. You and up to two guests are able to access any of the lounges in the Priority Pass network.

How much do you need to spend to make the Chase Sapphire Reserve card worth it? ›

For the Chase Sapphire Reserve card to be worth it, we'll need to accumulate at least 12,500 Chase Ultimate Rewards points, which are worth $250 by our valuations. That means in a given year, you'll need to spend $4,167 on 3x categories like travel (excluding the $300 travel credit) and dining for it to make sense.

Is there anything better than Chase Sapphire Reserve? ›

The Platinum Card® from American Express is a good alternative for those who don't mind a high-annual-fee card that's packed with premium benefits. However, the Capital One Venture X Rewards Credit Card offers overall the best value as an alternative to the Chase Sapphire Reserve®.

Is Chase Sapphire Preferred worth it 2022? ›

Is the Chase Sapphire Preferred worth it? If you're a traveler who spends a decent amount on hotels, airfare, and dining out each year, the Chase Sapphire Preferred Card is well worth the annual fee. It provides substantial rewards and useful travel benefits that will enhance your experience.

How do I avoid the Chase Sapphire annual fee? ›

The only surefire way to get the Chase Sapphire Preferred $95 annual fee waived is if you're an active servicemember and you check that box on the application. As long as Chase can confirm your active duty status, they won't charge you any fees.

Who is the Chase Sapphire Reserve best for? ›

The Chase Sapphire Reserve is a complete no-brainer credit card for those who love travel rewards — especially for more frequent travelers. This is especially true with the current sign-up bonus: 80,000 points after you spend $4,000 on purchases in the first three months from account opening.

What is the minimum income for Chase Sapphire Preferred? ›

Due to this, Chase is not likely to extend that amount of credit to an applicant with relatively low income. We recommend that your annual income be at least $30,000 or higher before applying for the Chase Sapphire Preferred card.

Is Chase Freedom or sapphire better? ›

Although both cards offer excellent earning potential, the Chase Sapphire Preferred card has an edge over the Freedom Unlimited card thanks to its generous welcome bonus and the opportunity to receive better value for your points at redemption time. The card also offers better travel insurance benefits.

Is the sapphire reserve a metal card? ›

Terms apply. The Chase Sapphire Preferred Card and the Chase Sapphire Reserve® are both made out of metal. In fact, when the Reserve made its debut in 2016, it was so popular that the card issuer temporarily ran out of metal to make more.

Which is the most prestigious Amex? ›

1. American Express Centurion Card
  • The American Express Centurion Card is the most exclusive credit card in the world and is commonly known as the “Amex Black Card.” ...
  • The Centurion card is so exclusive that American Express won't release the card's full details or say how one can become a cardholder.

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