Chase Sapphire Reserve Card

Advertiser Disclosure

Coronavirus / COVID-19 Additional Benefits

This card is offering 5x points per dollar spend on grocery spend until June 30, 2020 up to a maximum of $1500 a month.   This excludes shopping at Costco or other big box retailers.

Welcome Offer

Receive 50,000 Chase Ultimate Rewards points after spending $4,000 within three months.  $550 annual fee.   The card includes Priority Pass membership, a $300 travel statement credit that renews on each card membership anniversary date, certain Lyft benefits, and a $60 Grubhub credit annually (through 2021).

Point Accrual


Earn 3x at restaurants and on travel.  Use in conjunction with the Chase Freedom to earn 5x at quarterly rotating categories, including gas, groceries, restaurants, Costco and Amazon, up to a $1,500 quarterly limit.  Also use in conjunction with the Chase Ink Cash card to earn 5x at office supply stores and on telecommunications spend up to a $25,000 annual limit (detailed here).  

Why BestCashCow Likes

Those seeking flexibility in the way they can redeem travel rewards points.

Calculating Your Value

Your Annual Points

With our default spend profile, this card can produce 37,800 points annually.

We value these points as high as 2.05 cents per point.

So, you can receive up to $774.90 in value per year.

Calculate New Values

Enter Your Estimated Annual Spend in Each Category to See How this Card Can Maximize Your Reward Earnings

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Most Valuable Redemptions

The complete list of Chase transfer partners is here.    Some of the more attractive transfer opportunities are:
  • Hyatt - 12,000 points gets a night at the Hyatt Regency Greenville, SC.
  • British Airways - 15,000 points gets a round trip ticket between Chicago and the East Coast (on AA)
  • United - 140,000 points gets a RT business class ticket from JFK to Narita
  • Singapore - 60,000 points gets a RT business class ticket from the mainland US to Hawaii (on United)

Customer Reviews for Chase Sapphire Reserve Card

Rated 4.50 stars out of 5 - based on 6 reviews

Have you found a great redemption from your use of this card that you would like to tell others about. Please share your experience below.


  • September 29, 2020 |

    Yada, yada, yada with Chase and CSR already. The card was the must-have card for millennials when it launched 4 years ago, but now the sign-up bonus is lower, the card's annual fee is higher and the benefits don't stack up the Amex Platinum. Plus, Platinum really seems to be going out of their way to add new incentives during the Trumpvirus, including all sorts of incentives to renew. I haven't seen any of that coming from Chase.

  • September 23, 2020 |

    The transfer partners and the earnings rate make this the best card out there. You can do your research on this site and a bunch of meaningless blogs where children write about their anecdotal travel experiences to game Google or you can just be done and move along. The $300 travel credit makes this worthwhile, but if you cannot get comfortable with a $550 card, then go for Sapphire Preferred.

  • July 03, 2020 |

    I take all of these points and transfer them to Hyatt. With the virus and everything, I don't see them ever going anywhere else for some time, especially since I anticipate traveling within driving distance until 2022. The main difference is that this card gives primary rental car coverage; the Hyatt card gives a free night. Otherwise, it is a bit of a wash, especially since I always get back $300 in travel credits that offset the annual fee. Both great cards.


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