Chase Sapphire Reserve
Issued by Chase (JPMorgan Chase & Co.) · Visa network · Unsecured consumer card
At a glance
The Chase Sapphire Reserve is a premium travel consumer credit card issued by Chase on the Visa network. Its current annual fee is $795 ($195 per authorized user) — raised from $550 in June 2025, with a $0 (no foreign transaction fees) foreign-transaction fee. It is accepting new applications. Terms were last independently verified on 2026-07-17.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
Page displays the formula: Prime (6.75%) + 12.74%–21.24%, capped at 29.99%.
Chase — official card page (renders the Prime + margin formula)verified 2026-07-17
Chase — official card pageverified 2026-07-17
Fees
Chase — official card pageverified 2026-07-17
Chase — official card pageverified 2026-07-17
Rewards
Chase — official card pageverified 2026-07-17
Chase — official card pageverified 2026-07-17
Chase — official card pageverified 2026-07-17
Benefits and protections
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $19.78 | $237.4 |
| $3,000 | $59.35 | $712.2 |
| $5,000 | $98.92 | $1,187 |
Paying only the minimum on $3,000
1200 months
About $62,720.2 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$171.42 total cost
$150 upfront fee, plus post-intro interest at 23.74%.
This card’s $795 annual fee needs at least $795 of yearly value (credits + rewards you’d actually use) to break even.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
3.83.8 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Credits & benefits value | 30% | 4/5 |
| Premium protections & access | 25% | 4.5/5 |
| Rewards value | 20% | 4/5 |
| High fee break-even realism | 20% | 2.5/5 |
| Terms transparency | 5% | 4/5 |
Methodology 2026.07 · full methodology · Credit Defense Hub earns no commission or affiliate revenue from card issuers; editorial scores are independent of any advertising relationship.
A premium travel card whose annual fee jumped to $795 in 2025 — the break-even math got materially harder. The $300 travel credit and hotel credits help, but only travelers who genuinely use the credits and premium protections come out ahead. Run the annual-fee break-even calculator with only the credits you would actually use.
Advantages
- Strong earn on travel and dining
- $300 travel credit is automatic and easy to use
- Premium travel protections
Watch for
- $795 annual fee (up from $550) is hard to offset
- Several current credits are time-limited promos
- Overkill for occasional travelers
Best for: Frequent travelers who will genuinely use the credits, protections, and premium earn rates.
Credit Defense Hub Editorial Team · reviewed 2026-07-17 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Chase Sapphire Reserve?
- It is issued by Chase (legally, JPMorgan Chase Bank, N.A.) on the Visa network.
- What does the Chase Sapphire Reserve cost?
- The annual fee is $795 ($195 per authorized user) — raised from $550 in June 2025, and the foreign-transaction fee is $0 (no foreign transaction fees). Verified 2026-07-17. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Chase Sapphire Reserve accepting new applications?
- Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
- Does the Chase Sapphire Reserve help build credit?
- Like most major cards, on-time payments and low utilization generally help build history over time; check the issuer’s reporting practices.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-07-17; confirm with the issuer before applying.
What consumers report
No verified consumer reviews yet
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If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page →
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.