Chase Sapphire Reserve Review (2019)

Filed Under: Chase, Credit Card Reviews
In the interest of full disclosure, OMAAT earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out my advertiser policy for further details about our partners, and thanks for your support!

I don’t think there’s a single card that has changed the premium credit card landscape like the Chase Sapphire Reserve® Card did back when it was introduced in the summer of 2016.

For a long time $450+ annual fee cards were thought of as being only for the wealthy, while Chase created a product that truly had mass appeal, by offering a lot of value to members. This card is so generous that Chase has indicated they’re not sure they’ll ever make money on it.

Three years in, how is the Sapphire Reserve holding up?

Chase Sapphire Reserve Basics

The Chase Sapphire Reserve is a card that has it all — a great sign-up bonus, excellent perks, a rewarding points structure, and much more.

This card was built on the fundamentals of the Chase Sapphire Preferred® Card (review), so is the (significantly) higher annual fee of the Sapphire Reserve warranted?

50K Welcome Bonus ($750 Worth Of Travel)

The Sapphire Reserve has a welcome bonus of 50,000 Ultimate Rewards points after spending $4,000 within three months.

At an absolute minimum, if you have the Sapphire Reserve then Ultimate Rewards points can be redeemed for 1.5 cents each towards a travel purchase, meaning that 50,000 Ultimate Rewards points will get you $750 worth of travel.

As I’ll explain below, there are ways to get way more value out of the points than that.


Redeem your Ultimate Rewards points for a flight in Delta business class

Card Bonus Eligibility

If you’re applying for this card, you can only be approved if you don’t currently have any Sapphire card, and haven’t received a new cardmember bonus on a Sapphire card in the past 48 months (this includes the Sapphire Preferred).

Chase’s 5/24 Rule

Chase has something that’s known as the 5/24 rule. This means that if you’ve opened five or more new card accounts in the past 24 months you typically won’t be approved for this card. So if you do apply for this card, make sure you’re under that limit.

See this post to learn how to check your 5/24 status.

Product Changing

Chase will often let you product change from one card to another (either personal-to-personal or business-to-business), assuming you’ve had it for at least 12 months. So for example, one strategy could be to apply for the Sapphire Preferred, use it for 12 months, and then later you can upgrade to the Sapphire Reserve, if you’d like.

You’ll have to call Chase to find out the options available on your account.

Chase is pretty good about letting you product change between cards

$450 Annual Fee

The Sapphire Reserve has a $450 annual fee. Among the super-premium credit cards out there, this is one of the lower annual fees. As I’ll explain below, in reality, this card shouldn’t be costing anyone even nearly that much every year, though.

$75 Authorized User Fee

You can add authorized users to the Sapphire Reserve, and there’s a $75 fee per person. This can be well worth it, because not only do they get your increased points earning rates, but they also get a Priority Pass membership, Visa Infinite benefits, and more.

Earning Chase Sapphire Reserve Points

The Chase Sapphire Reserve offers bonus points in two categories that some people may find useful. When picking a credit card, I always recommend getting one that has bonus categories that match up with your spending profile.

Some cards offer bonus points on travel, dining, gas stations, supermarkets, etc., so pick the one that works best for you.

3x Points On Travel & Dining

The Sapphire Reserve offers 3x points on dining and travel purchases globally. Meanwhile, the card offers 1x points on all other purchases.

I value Ultimate Rewards points at ~1.7 cents each, so to me, that’s the equivalent of a 5.1% return on those purchases, which is pretty incredible.

What Counts As Dining & Travel?

Chase’s dining category includes the following:

merchants whose primary business is sit-down or eat-in dining, including fast food restaurants as well as fine dining establishments.

Chase’s travel category includes the following:

airlines, airports, car rental agencies (including truck, trailer, and RV), cruise ships, hotels and motels, timeshares, local and commuter transportation (including trains, buses, taxis/limos, ferries, bridges, tolls and parking), travel agencies

Earn 3x points on dining and travel globally

No Foreign Transaction Fees

The Sapphire Reserve has no foreign transaction fees, so this is an excellent card to use for purchases globally, since you can earn valuable rewards while not being stuck with those fees, which are sometimes 3%.

Best of all, I find that a large percentage of my purchases abroad are in the travel and dining categories, so I can avoid foreign transaction fees while earning 3x points.


You can earn bonus points even on train tickets with the Sapphire Reserve

Redeeming Chase Sapphire Reserve Points

The Chase Sapphire Reserve earns Ultimate Rewards Points, which I find to be one of the most valuable flexible points currencies. Not only that, but having the Sapphire Reserve means that you can redeem your points for more than you could if you had other cards.

As I’ll explain below, there are a couple of ways that you can most efficiently redeem your Ultimate Rewards points.

Redeem Points For 1.5 Cents Each Towards Travel

Ultimate Rewards points can be redeemed towards the cost of travel purchases through the Chase Travel Portal. This means you can redeem points for all kinds of travel purchases, ranging from flights to hotels to car rentals.

The value you get per point varies based on which card you have:

  • If you have the Sapphire Reserve, then all your Ultimate Rewards points can be redeemed for 1.5 cents each
  • Compare this to having the Sapphire Preferred or Ink Preferred, where points can “only” be redeemed for 1.25 cents each

In other words, you could use your Ultimate Rewards points to book a $750 flight for 50,000 points. This allows you to redeem with no blackout dates, and avoid the complexity of frequent flyer programs.

Furthermore, when you redeem your points towards flights through the portal you can even accrue points for those flights.

Transfer Points To Airline & Hotel Partners

My favorite way to redeem Ultimate Rewards points is to transfer them to one of the airline or hotel partners. Points transfer at a 1:1 ratio, and this is a great option if you want to book aspirational travel, like staying at a five star hotel or redeeming for first or business class travel.

Here are the Ultimate Rewards transfer partners:

AirlinesHotels
Aer Lingus Aer ClubIHG Rewards Club
Air France/KLM Flying BlueMarriott Bonvoy
British Airways Executive ClubWorld Of Hyatt
Emirates Skywards
Iberia Plus
JetBlue TrueBlue
Singapore KrisFlyer
Southwest Airlines Rapid Rewards
United MileagePlus
Virgin Atlantic Flying Club

How Should You Redeem Ultimate Rewards Points?

Being able to redeem points for 1.5 cents each towards a travel purchase is a great rate, especially when you consider that you won’t be dealing with any capacity controls or blackout dates.

While other transferable points currencies let you redeem points for 1-1.25 cents each, 1.5 cents is in a different league.

However, my favorite use of Ultimate Rewards points is still transferring them to partner airlines and hotels. My personal favorites are Air France-KLM Flying Blue, British Airways Executive Club, Singapore KrisFlyer, and World of Hyatt.

Why? Because if you’re redeeming for aspirational travel, this is a way to get a lot more value. For example, the Park Hyatt Maldives often costs $1,000+ per night. Meanwhile, if you transfer points to World of Hyatt, you can book it for just 30,000 points per night.


Redeem your Ultimate Rewards points for a stay at the Park Hyatt Maldives

The same is true for flights. International first-class tickets can cost $20,000+. Meanwhile, you could transfer 120,000 points to Virgin Atlantic Flying Club for a roundtrip first-class ticket in ANA first class from the US to Japan.


Redeem your Ultimate Rewards points for travel in ANA first class

You can find more about all the ways to redeem Ultimate Rewards points and why I value them so highly in my Ultimate Guide to Ultimate Rewards.

Chase Sapphire Reserve Benefits

What really sets the Chase Sapphire Reserve apart is the incredible benefits that it offers. These benefits help offset the fee, and for many will more than justify the annual fee, not even taking into account the sign-up bonus, 3x points on spending, and more.

$300 Annual Travel Credit

The Sapphire Reserve offers an incredible $300 annual travel credit. While quite a few credit cards offer credits, there are typically lots of strings attached. That’s not the case with the Sapphire Reserve.

There’s no registration required, and any purchases that are coded as travel will be reimbursed automatically. This could include flights, Uber rides, taxis, train tickets, hotels, and more.

You don’t have to use the entire credit in one transaction, but rather can use it across as many transactions as are needed.

Account Anniversary Year Definition

The $300 annual travel credit doesn’t reset with the calendar year, but rather resets each account anniversary year. For these purposes, the “annual” credit means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year.

How To Track Your $300 Credit

When you log into the Ultimate Rewards website on the right side you should see a tracker that shows your progress towards spending the $300 credit. It will also indicate when you’re eligible for your next credit.

Is This Really A $150 Annual Fee Card?

While the Sapphire Reserve has a $450 annual fee, in reality, this card shouldn’t be costing anyone more than $150 per year, by the time you factor in the $300 annual travel credit. Anyone who gets this card should spend at least $300 per year on travel. If you don’t, this probably isn’t the card for you, given that it offers travel rewards.

That’s what has made this card so accessible for many — while you’re paying $450 upfront, in reality, the card should only cost you $150 per year.

Priority Pass Membership

The Sapphire Reserve comes with a Priority Pass membership, which gets you access to the world’s largest collection of independent lounges. Best of all, this membership allows you to take guests with you at no additional cost.

Priority Pass has 1,200+ airport lounges around the world, so access to these lounges will prove useful to just about any traveler.


SkyTeam Lounge Dubai, which is a Priority Pass lounge

Priority Pass has even added some non-traditional locations to their network, like restaurants, where you can have a meal and Priority Pass picks up the tab.

If you add authorized users to your Sapphire Reserve, they’ll also get a Priority Pass membership, so that could be worth it for the $75 additional user fee alone.

Global Entry or TSA Pre-Check Credit

The Sapphire Reserve offers a Global Entry or TSA Pre-Check credit once every four years. Just charge the $85-100 membership fee to your card, and it will automatically be reimbursed. It doesn’t matter who the fee is being paid for, as long as you charge it to your eligible card.

Why You Should Register For Global Entry Over TSA Pre-Check

If you are going to take advantage of this perk, I’d highly recommend registering for Global Entry over TSA Pre-Check. For those of you not familiar, TSA Pre-Check gets you expedited US security screening, while Global Entry gets you expedited US immigration clearance.

So why should you register for Global Entry and not Pre-Check? Because Global Entry also comes with TSA Pre-Check, while the inverse isn’t true (signing up for TSA Pre-Check doesn’t get you Global Entry).

I registered for Global Entry for the first time in mid-2011, and wrote about my experience at the time. Global Entry is valid for five years, and I renewed my membership in 2016.

TSA PreCheckTSA Pre-Check can be a huge time saver

The Luxury Hotel & Resort Collection

The Luxury Hotel & Resort Collection gives cardmembers additional benefits at 1,000+ luxury hotels around the world. When booking through the program at an eligible rate you receive breakfast for two, complimentary wifi, a room upgrade if available, early check-in and late check-out if available, and a special property amenity.

Receive extra benefits at the Park Hyatt Saigon

20% Discount On Silvercar Rentals

Silvercar is my favorite car rental company, and you can save on rentals with them for having the Sapphire Reserve. You get 20% off rentals just by using promotion code VISAINF20.


Save 20% on Silvercar rentals with the Sapphire Reserve

Primary Car Rental Coverage

The Sapphire Reserve offers primary collision damage waiver coverage against damage up to the cost of most rental car vehicles provided you decline the CDW coverage offered by the rental agency. This includes economy through luxury class vehicles, vans that carry fewer than seven passengers, and SUVs. You’ll want to check your cardmember agreement for full details.

Travel & Purchase Coverage

The Sapphire Reserve is a Visa Infinite Card, so comes with all kinds of great travel and purchase protection.

What’s especially awesome is that you earn triple points for travel with the card, so you can put your travel purchases on this card, and then automatically be covered with the benefits.

Note that award tickets qualify for this benefit as well, assuming you put the taxes on the Reserve Card.

Here are the basic details of the coverage, though you’ll want to consult the cardmember agreement for all the details:

Sapphire Reserve Visa Infinite BenefitsDetails
Baggage Delay Benefit• You can be reimbursed up to $500 when some or all of the cost of a common carrier ticket is charged to your card (therefore award tickets should be eligible if the taxes are charged to the card)

• You can be reimbursed a maximum of $100 per day for emergency purchases of essential items at a destination other than your current residence
Lost Luggage Reimbursement• Receive reimbursement for lost or damaged checked or carry-on bags and personal property

• Maximum reimbursement is $3,000

• You must report the loss or damage to the Common Carrier immediately as soon as you exit the Carrier. You will need to provide proof that you submitted a report to the Common Carrier, so be sure to keep a copy of the report for your records.
Trip Cancellation/Interruption Insurance• Receive the non-refundable amount of the passenger fare or $10,000 (whichever is less) in the event of a trip cancellation or interruption

• The cancellation or interruption must be caused by death, accidental injury, disease, or physical illness of the passenger or immediate family member

• This also covers you if your airline goes out of business or tickets are otherwise cancelled by the carrier
Trip Delay Reimbursement• Receive up to $500 if your trip is delayed for more than 6 hours or requires an overnight stay

• The trip has to be delayed by an equipment failure, inclement weather, labor strikes, or hijacking
Purchase Protection• Receive up to $10,000 for personal property that has been stolen, damaged, or lost within 120 days
Return Protection• Receive up to $500 per item ($1,000 per year) if you are dissatisfied with a purchase and the retailer won’t return the item within 90 days

• There are lots of exclusions, including items purchased overseas, and all items have to be returned to Chase as part of the process
Warranty Manager Service• Extends the free repair period under the original manufacturers repair warranty up to one additional year on eligible warranties of three (3) years or less, up to a maximum of ten thousand ($10,000.00) dollars per claim, and a fifty thousand ($50,000.00) dollars maximum per Account.

• Motorized vehicles (boats, cars, aircraft, etc.) aren’t included

Shop Through Chase

Having the Sapphire Reserve gives you access to Shop Through Chase, which is the card’s online shopping portal and can really accelerate the points you earn. By “clicking-through” the portal you can earn extra points per dollar with purchases at dozens of online retailers.

I earn several thousand extra points each year on purchases I would have made anyway just by clicking through the Shop Through Chase portal first.

Great 24/7 Customer Service

While I try to do as much as possible online, I find that in situations where I have to call Chase, the customer service is excellent. They don’t have some of the annoying phone prompts that other issues have, and I’m almost always connected to an agent right away.

Metal Card

I’m not sure this is necessarily a selling point anymore nowadays, but the Sapphire Reserve was one of the first “major” metal cards. Nowadays that’s not exactly unusual anymore.

Is The Sapphire Reserve Worth It?

The Sapphire Reserve has become an extremely popular card, and in many ways it sells itself. If you travel with any frequency and spend a fair amount on dining and travel, then I think yes, the Sapphire Reserve is absolutely worth it.

However, I also wanted to talk about some other considerations — how does this compare to the Sapphire Preferred and Amex Platinum, what’s the best credit card complement, and more.

Why You Should Get The Freedom Unlimited As Well

If you have the Sapphire Reserve then you should definitely get the no annual fee Chase Freedom Unlimited® (review) as well. Why? Because the Freedom Unlimited offers points that can be pooled with the Sapphire Reserve, and it offers 1.5x points on all purchases.No

So the best strategy is to have both cards and put your dining and travel spending on the Sapphire Reserve (where you earn 3x points), and all your other spending on the Freedom Unlimited (which offers 1.5x points, rather than 1x points).

To me, that’s the single best credit card duo out there. Even if you just redeem points for 1.5 cents each towards a travel purchase, that means you’re earning a 4.5% return on dining and travel, and a 2.25% return on everyday spending.

The Sapphire Reserve & Freedom Unlimited are an unbeatable combo

Showdown: Sapphire Preferred Vs. Sapphire Reserve

The Sapphire Reserve is the evolution of the Sapphire Preferred, so which of the two cards is better? Here’s a comparison of a few factors:

  • Sign-up bonus: Sapphire Preferred offers up to 60K points, Sapphire Reserve offers up to 50K points
  • Annual fee: Sapphire Preferred has a $95 annual fee, Sapphire Reserve has a $450 annual fee
  • Points earning: Sapphire Preferred offers 2x points on dining and travel, Sapphire Reserve offers 3x points on dining and travel
  • Other perks: The cards have some overlap in terms of benefits, though the Sapphire Reserve has the edge of offering a $300 annual travel credit, a Priority Pass membership, a TSA Pre-Check or Global Entry fee credit every four years, the ability to redeem points for 1.5 cents each, and Visa Infinite perks

So if you spend a good amount on dining and travel and value lounge access, then I think the Sapphire Reserve is worth it. If you don’t, the Sapphire Preferred should do the trick.

Both the Sapphire Preferred & Sapphire Reserve are awesome

How Does The Amex Platinum Compare?

Probably the most direct competitor to the Sapphire Reserve is The Platinum Card® from American Express (review), which has a $550 annual fee (Rates & Fees).

The Amex Platinum is a card I have as well, and I value it. But I also don’t think it’s as well rounded. The card is better for lounge access — it offers Amex Centurion Lounge access, Delta SkyClub access, a Priority Pass membership (with more restrictions). It also offers a $200 annual airline fee credit, $200 annual Uber credit, and $100 annual Saks credit, though all those credits come with quite a few restrictions.

Personally, I think the Sapphire Reserve is more well rounded, and if you’re just going to get one of those two cards, that’s the one I’d choose. However, I also think both cards could be worth having.

The Amex Platinum offers Centurion Lounge access

Chase Sapphire Reserve Summary

The Sapphire Reserve has revolutionized the premium credit card market over the past three years, and has caused other card issuers to up their game as well.

To sum it up, if you want to earn travel rewards and spend a decent amount on dining and travel, the Sapphire Reserve is a no brainer. In reality, the card should cost you $150 per year ($450 annual fee minus a $300 travel credit), and for that you’re earning 3x points on dining and travel, a Priority Pass membership, car rental, travel, and purchase protection, and more.

If you really want to maximize your strategy, pick up the no annual fee Freedom Unlimited as well, so you can earn 1.5x points on your everyday spending.

Lastly, you can also start off with the Sapphire Preferred for the bigger bonus and lower annual fee, and then after a year you should be able to upgrade to the Sapphire Reserve.

If you want to learn more about the Chase Sapphire Reserve Card or apply, follow this link.

Apply Now

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: The Platinum Card® from American Express (Rates & Fees).

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.
Comments
  1. You compare it to the AMEX Platinum but what about a comparison to the AMEX Gold since they have similar earnings ratios on travel but AMEX Gold offers a higher return on dining. I’m using the Gold which I got recently more and more and using the CSR less.

  2. I’ve had this card for a few years and can attest to the benefits. At the same time, I’ll add that filing any sort of travel insurance claim is an exercise in misery. I had a qualified medical issue and it took me over 8 months, over 30 interactions with their call center, as well as 26 ‘attachments’ to the claim file to get it resolved. (For a European itinerary with 3 nonrefundable tickets on Norwegian, Easyjet, and United). If you research Chase Reserve travel insurance on the web, there are lots of other stories with folks with similar difficulty. So, decent value card, but if you need the insurance, you might want to think about buying a separate policy. You can’t count on this benefit.

  3. Lucky great post and on point. I got this card when it first became available and have not looked back, in fact it’s my daily spend card. I am not overly happy with the rewards booking through Expedia instead I chose to transfer points to AF using the points for non flagged properties internationally as you know there are some charming European hotels non flagged. As you pointed out which I agree this is really a $150.00 card. While I still have my Amex PLT it continues to have diminishing value, however as it is also my corporate card upon the completing next year of selling out I will more than likely can it which is sad as I have had it for over 20 years.

    Travel safe

  4. @ Raksiam — Other way around. It was initially based on the calendar year, but is now based on the cardmember year. With the calendar year system, many people got two credits before paying their second annual fee.

  5. @ freqflyer — Ugh, I’m sorry to hear that. I’ve had good experience with the delay and baggage protection, but it seems like the medical coverage may be more complicated. Then again, the Amex Platinum doesn’t offer this kind of coverage, and the Citi Prestige is eliminating it, so this is just about the only lucrative card that offers it at this point.

  6. @ Christian — In terms of points earning the Amex Gold can be great, though the reason I compare it to the Amex Plat is because it’s a card that also has a lot of benefits. I do think the Amex Gold is great for maximizing spending on dining, and it can be a valuable card in conjunction with the Amex EveryDay Preferred and/or Blue Business Plus.

    Personally I don’t have it because I choose to earn 5x points on dining with the Citi Prestige rather than 4x points on dining with the Amex Gold.

  7. @lucky Thanks for the sentiment. My experience wasn’t a medical claim, but Travel Cancellation protection on the basis of a last-minute medical issue (sinus infection). Chase makes you jump through a ridiculous number of hoops for payout, when you’d expect it to be more straightforward. Over the 8 months of back and forth, I was given contradicting information, asked to provide documentation for which Chase could not provide a template or language (i.e. we need a letter from the airline explicitly indicating that no refunds were issued against the ticket and no refunds will be issued in future), and multiple correspondence delays. Again, if you read other posts about Chase Reserve insurance on the internet, it is likely that Chase’s insurance provider makes the claims process more difficult to mitigate payout. Really not what one would expect from a premium card, which was part of my disappointment. My advice to the folks here is that there are multiple stories out there about Chase insurance being a problem / obfuscating payment….i.e. you can’t count on it….so to me, this benefit is more than worthless.

  8. The other benefit that I didn’t realize till I signed up is global medical coverage for travel (assuming the travel is booked on the card, even if just taxes and fees when booking points)… which given many health plans don’t come with global coverage is a great benefit when buying similar multi-trip or annual coverage is at least a few hundred $. It doesn’t cover everything, but does cover the key things you need / would want to have coverage for on global travel.

  9. @freqflyer
    Interestingly, I actually had a very positive experience in claiming travel insurance with Chase. I booked a 4 day hiking trip in Wakayama Japan for over $1,000 in October 2017 but typhoon Lan hit. I was already in Osaka but I cancelled the hiking trip and filed a claim with Chase. I captured flight cancellation notices that day and news clips, and received total refund (I think in a month or so) with very little follow up.

  10. On the subject of car rental CDW/LDW insurance: even though I carry the CSR for travel & Amex Gold for dining/supermarket charges, I still also carry a (no fee) Amex Blue Sky which I have enrolled (no cost) with Amex Premium Rental Protection. PRP costs me nothing unless I rent a car with the Blue Sky card in which case I see a $18.95 charge per rental (*not* per *day*) post to the card two days after the rental posts. Even though the CSR card has “free” Primary CDW/LDW coverage, I’ve seen occasional complaints including the one above about weaselling during the claims process. So, I pay $18.95/rental to Amex to avoid the headaches. I’ve actually used it once without issues. Note also, since PRP is a service you explicitly pay for, it is less likely to evaporate without notice than a “free” credit card benefit.

  11. I’m a little disappointed that you only compared it to AMEX Platinum and not to the Citi Prestige, as well. IME, Prestige’s travel reimbursement (like Sapphire Reserve) is very easy to use; Prestige offers the 4th night free benefit (even though cut to the bone, it’s still a decent perk that just netted me $250); and Prestige offers some of the same benefits as highlighted here (no foreign transaction fees, 5X on dining and air travel, Global Entry credit, Priority Pass that is not restricted ion restaurant credits, etc.)

    To be clear, I am NOT saying Prestige is better than Sapphire Reserve or AMEX Platinum (especially with recent cuts to perks) – I just think it belongs in the discusson.

  12. OK, the Reserve is GOOD, not great, because the BENEFITS, such as Travel Rental Car insurance, hidden in the fine print, is NOT good for more than a limited time and there are people, such as myself, that actually travel for more than 3 months at a time. Second, I made an EXTENDED warranty claim and the CARD BENEFIT SERVICES people are truly maddening! Third, BE VERY careful to read your statements because Chase will NOT award Triple Points on BUSINESSES THAT OWN TRAVEL COMPANIES (such as RV PARKS). I NEVER have gotten triple points on a specific Travel company and Chase Card Services tells me that it is JUST TOO BAD, even though I can SHOW them Transaction Copies that have TRAVEL LOCATION NAME that is clearly according to guidelines and yet the COMPANY that owns the Travel Business is a HOLDING company with “real estate” in its name. I am talking 9000 points lost so far. So, BE VERY diligent. I have continuously been in contact with Chase Management, but the EMAIL services department is simply atrociously NON-CARING, and incompetent. This is likely not unusual, but it does not mean that we are wrong to challenge Chase. I forgot to mention that so far, Chase UR Points are useless for travel AT EXPEDIA, because Expedia’s Website malfunctions; Chase acknowledged this – – but have yet to get it FIXED. Overall, a B-.

  13. I’ve had the Sapphire Reserve card for many years but since switching it’s portal to Expedia, it’s lost a lot value. I use to be able to find flights on my own and have them book it. Now, I see good flights but they don’t show up on Ultimate Rewards portal and they won’t book my choice.

    I’m growing fonder of some of the airline branded credit cards that allow a free checked bag, and able to select a seat when booking. I also wish I could transfer Chase points to Delta and American.

    That was an excellent article. Thanks

  14. @DJ, the problem is not Chase, but the merchant. I booked a vacation from Road Scholar and did not get triple points because RS codes the transactions as “education.” Oh, please! Cost me a lot more than 9000 points.

  15. Amex Platinum – flights and benefits
    Amex Gold – dining and supermarkets
    Chase Sapphire Reserve – Travel
    Branded airline and hotel cards – whichever ones you prefer

    All of these cards are worth having

  16. Lucky, thanks for this comprehensive benefit guide for the CSR card. I don’t have it yet but am considering. I heard a friend who just got it recently that there is a dedicated site through this card for purchasing airline tickets, and that the prices are lower than other airline website. Is this true? How does it work? Can you provide some details? If this is true, this is a very valuable benefit. Also, this friend said, when you purchase ticket through this card’s website, you don’t get penalty for cancellation. I saw from your article that there are some restrictions on cancellation. Could you please help elaborate on these two points? Thanks!

  17. “So if you spend a good amount on dining and travel and value lounge access, then I think the Sapphire Reserve is worth it. If you don’t, the Sapphire Reserve should do the trick.”

    The second time you meant to say preferred, right? :).

    Seriously though very good points, thinking I might change Amex Everyday Preffered -> Freedom Unlimited

  18. I”ve had both cards and just dropped my AMEX Plat card…there was nearly zero value in putting any spend on it.

  19. I’ve been using this particular Credit Card now for a couple of years and have found it to be very useful.
    I travel pretty much all year round so having this credit card make life so much easier.
    Particularly having no international transaction fees is great, it saves me from having to get money from the currency exchange each time I am overseas.
    Also having access to some of the airport lounges is a great bonus, it’s nice to be able to relax a little and get food and drinks before I fly.

Leave a Reply

Your email address will not be published. Required fields are marked *