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Chase Sapphire Reserve

Chase · Personal card · Checked against Chase's terms Oct 26, 2026

The Chase Sapphire Reserve earns 4x Chase Ultimate Rewards on flights and hotels; 3x Chase Ultimate Rewards at restaurants; and 1x Chase Ultimate Rewards on everything else. $795 a year. earnrate counts Chase Ultimate Rewards at 1¢ each; transferring to airlines or hotels can be worth up to about 2.05¢.

Add it to your wallet

Where it's the best card

Peloton (10%) · Chase Travel (8%) · Marriott (4%) · Hilton (4%) · Bellagio (4%) · hotels (4%)

Where it's in the top 3

Delta Air Lines (4%) · Alaska Airlines (4%) · Air Canada (4%) · Hawaiian Airlines (4%) · flights (4%) · American Airlines (4%) · Southwest Airlines (4%) · IHG Hotels & Resorts (4%)

Earning rates

  1. 10
    Peloton 10x Chase Ultimate Rewards
    Peloton equipment and accessory purchases over $150 bought directly from Peloton, on up to $5,000 in total purchases over the whole offer. Not memberships, apparel or gift cards.
    • U.S. purchases only
    • Apr 1, 2025 to Dec 31, 2027

    “earn 10x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/2027” creditcards.chase.com

  2. 8
    Chase Travel 8x Chase Ultimate Rewards
    Includes The Edit. Bookings through FROSCH, Valerie Wilson Travel or Frosch International Travel don't earn 8x; Reserve Travel Designers bookings earn 8x only if booked through Chase Travel.

    “You'll earn 8 points for each $1 spent on purchases made using your card through Chase Travel” creditcards.chase.com

  3. 5
    Lyft 5x Chase Ultimate Rewards
    Limited-time offer on Lyft products bought in the Lyft app (rides, bikes and scooters, memberships). Not gift cards or car rentals.
    • Through Sep 30, 2027

    “earn 5x total points on Lyft rides through 9/30/2027” creditcards.chase.com

  4. 4
    Flights and hotels 4x Chase Ultimate Rewards
    Booked directly with the airline or hotel, including charter and private flights. Not travel agencies, discount travel sites or packages; vacation rentals (Airbnb, Vrbo, Vacasa) don't count as hotels.

    “4 points ("4X points") on flights and hotels booked direct” creditcards.chase.com

  5. 3
    Restaurants 3x Chase Ultimate Rewards
    Worldwide. Includes takeout and eligible delivery services.

    “3 points ("3X points") on dining at restaurants purchases” creditcards.chase.com

  6. 1
    Everything else 1x Chase Ultimate Rewards

    “You'll earn 1 point for each $1 spent on all other purchases” creditcards.chase.com

Public welcome offer

100,000 Chase Ultimate Rewards after $6,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Chase: "This credit card is unavailable to you if you currently have this card open. The new cardmember bonus may not be available to you if you previously held this card or received a new cardmember bonus for this card." Chase may also weigh how many cards you've opened and closed.

Sources

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Chase's terms before you apply.