Jpmorgan Chase Bank, National AssociationNationwide

Sapphire Reserve

$795/yr

Purchase APR: 19.49%–27.99% APR
Foreign transaction fee: None
Intro APR: —
Targeted credit: Excellent (720+)

Issuer page ↗

Rewards rates

🧳8x Other travel(Chase Ultimate Rewards)8x points on all purchases through Chase Travel incl. The Edit
🏨4x Hotels(Chase Ultimate Rewards)4x points on hotels booked direct
✈️4x Flights(Chase Ultimate Rewards)4x points on flights booked direct
🍽️3x Dining & restaurants(Chase Ultimate Rewards)3x points on dining worldwide
💳1x All purchases(Chase Ultimate Rewards)1x points on all other purchases

Welcome offer

75,000 points
after $5,000 spend in the first 90 days · 75,000 bonus points after $5,000 spend in first 3 months

Statement credits

🏨$500 / yearUp to $250 per prepaid Edit hotel booking (2-night min), max $500 per calendar year in statement credits.
🧳$300 / yearUp to $300 per account anniversary year in statement credits for travel category purchases.
📺$288 / yearComplimentary Apple TV and Apple Music subscriptions valued at $288 annually, through 6/22/2027.
🏨$250 / yearUp to $250 in 2026 for prepaid Chase Travel bookings at IHG, Montage, Pendry, Omni, Virgin, Minor & Pan Pacific hotels.
🍽️$150 / monthUp to $150 statement credits Jan-Jun and $150 Jul-Dec (max $300/yr) at OpenTable Sapphire Exclusive Tables restaurants.
🎟️$150 / monthUp to $150 statement credits Jan-Jun and $150 Jul-Dec (max $300/yr) for StubHub and viagogo purchases through 12/31/27.
🍽️$120 / yearComplimentary DashPass membership worth $120 for 12 months when activated by 12/31/2027.

APR & fees: CFPB Terms of Credit Card Plans survey (as of 2025-12-31). Rewards: issuer public pages (collected 2026-08-31) — every figure above appears verbatim in the source; terms shown may lag issuer changes.

Informational comparison only — not financial advice and not an offer of credit. We don't check your credit or guarantee approval. Confirm current terms with the issuer at www.chase.com.