The Chase Sapphire Reserve is an all-inclusive credit card that offers cardholders a wide range of rewards and benefits. It comes with a generous signup bonus, no foreign transaction fees, and up to 3x points on travel and dining purchases. This makes it an ideal choice for frequent travelers looking to maximize their spending power.

When deciding if the Chase Sapphire Reserve is right for you, there are some key pros and cons to consider.


– Generous welcome offer – Earn 60K bonus points after you spend $4,000 in the first three months from account opening.

– Earn 3X Points on Travel & Dining Purchases – Cardholders can earn triple the points when they make purchases in the travel and dining categories.

– No Foreign Transaction Fees – With this credit card, there are no foreign transaction fees when traveling abroad.

– Provide Airport Lounge Access – Enjoy complimentary access to The Centurion Lounges, Priority Pass Select lounges, and other select airport lounges around the world with your Chase Sapphire Reserve.


– Annual Fee – This card does come with a $550 annual fee which is high compared to similar credit cards like the American Express Gold Card which has a lower annual fee of $250.

– Limited Rewards Categories – The Chase Sapphire Reserve only provides rewards for travel and dining purchases so if you don’t spend heavily in those two categories, you won’t be able to maximize your rewards.


The Chase Sapphire Reserve is a great card for those who want to maximize their travel and dining spending. You can earn 3x points on these types of purchases and enjoy complimentary airport lounge access. However, it does come with a hefty annual fee of $450 which might be too much if you don’t spend heavily in the two main reward categories. Ultimately, it depends on how you plan on using your credit card that will determine whether or not this is the right choice for you.


In conclusion, the Chase Sapphire Reserve is a popular choice among frequent travelers thanks to its generous welcome bonus and variety of benefits. While there are some notable pros like no foreign transaction fees and triple points earned on travel and dining purchases, there are also cons like the high annual fee that need to be considered. Ultimately, it comes down to how you plan on using your credit card in order for you to decide whether or not this is the right choice for you.