The Chase Sapphire Reserve's $550 annual fee only pays for itself if you spend at least $4,250 per year on travel purchases. It's a no-brainer for frequent travelers with excellent credit scores who can take advantage of its premium perks and benefits. The trade-off is the card's high APR, which could quickly outweigh any savings.
What you actually earn
Who this card is for
Business travelers or luxury tourists with excellent credit scores (700+), spending at least $4,250 per year on airfare, hotels, and dining expenses.
The compliance footnote
The Sapphire Reserve carries a $550 annual fee with an APR range of 22.49–29.49% Variable. Foreign-transaction fee is none. The current signup offer is 60,000 points after $4,000 in 3 months. These terms are accurate as of 2026-05-06 and may change at the issuer's discretion. The Apply link goes directly to the issuer; picksbycard is independent and does not earn a commission on card approvals.