Chase Sapphire Reserve Card Review With Pro And Cons – 21 Points

1. Chase sapphire reserve card offers large sign up bonus, $300 annual credit (for travel purchase),triple points on travel and dining and other perks. It is worth the $450 annual fee.

Pros



Cons



Big bonus

$450 annual fee

High reward rate

No intro apr

No foreign transaction fee

Above average apr

Offers bonus points for travel and dining purchases

Need excellent credit

50 % bonus points when points redeemed for travel through Chase Ultimate Rewards

 

High value benefits

 

Cool Metal card

 

You can combine points from no-annual-fee Chase cards to earn more rewards.

 

2. Reward Rate:

3:1 travel and restaurants (excluding purchases covered by $300 travel credit)
1:1 general purchases

3. Sign up bonus:

50,000 points (worth $750 towards travel) bonus after spending $4,000 in the first three months

4. Annual Fee:

$450

5. Regular Apr:

19.24% – 26.24% Variable APR

6. Intro Apr:

N/A

7. Foreign transaction fees:

None

8. Annual Bonus:

$300 annual travel credit
Complimentary Priority Pass Select membership
$100 Global Entry/TSA Precheck credit every 4 years

9. Credit Needed:

720 – 850 excellent

10. Reward Redemption:

No blackout dates
No expiration dates
No point limits
1:1 transfer partners
You will get 50 % bonus rewards on travel when redeem through chase website.
You can redeem points for gift card, cash back and travel.
Combine points from no-annual-fee Chase cards

11. Chase Sapphire Reserve Card Is Great For:

Frequent travelers who can use lounge access and $300 travel credit
People who want big sign up bonus.
Big Spenders

12. This card is not for:

Infrequent traveler
Minimal spenders
People who want elite status at hotels.
People who carry balance.

13. Customer Experience:

Online Chat Available:
No
Google Play Store Ranking:
4.6/5
Apple App store Ranking:
4.8/5
24/7 customer service?:
Yes

14. Other Benefits:

Trip cancellation and interruption insurance
Lost luggage insurance
Purchase protection
Return protection
Extended warranty

15. Get Chase Sapphire Reserve Card:

If you are a frequent traveller.
If you want big sign up bonus.
If you are the ultimate rewards card holder and looking to pair card to maximise rewards.
If you looking for lounge access.

16. Cash Advance APR:

27.24%

17. Balance Transfers Fee:

5% Min $5

18. Cash Advances Fee:

5% Min $10

19. Late Payment Fee:

Up to $39

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