Start Here Cards Banking Blog About

Start My Bonus Plan

Get weekly bank payout plays

Bonus offers, APY opportunities, and fee traps to avoid.

The Stack

The rewards site that tells you exactly what to do next.

© 2026 The Stack. All rights reserved.

About Banking Privacy Terms Affiliate Disclosure Contact

Cards/Chase Sapphire Reserve

Chase

Chase Sapphire Reserve

Chase Sapphire Reserve by Chase

Best for general spending

Annual Fee

$795

Credit Profile

Excellent credit

Reward Style

Cash back

Foreign Spend

No foreign transaction fee

Quick Verdict

A premium travel card designed for frequent travelers who can maximize lounge access, credits, and transfer partner value.

Estimated First-Year Net Value

$-795

Estimate = welcome offer + listed perks value - annual fee. Actual results vary.

•Excellent credit or better

•You can offset the $795 annual fee with real usage

•You want a solid all-around card

Check Current Offer

Compare against another card Back to card directory

First-Year Value Snapshot

Welcome Offer Est.

No current offer listed

Perks Value Est.

Not enough data

Annual Fee

$795

What We Like / Watch Outs

Pros

+Premium travel protections and benefits
+No foreign transaction fees
+Strong points ecosystem via Chase Ultimate Rewards

Cons

-High annual fee compared with mid-tier cards

Rates & Terms

Credit needed: Excellent credit
Intro APR: No intro APR listed
Regular APR: Varies by issuer terms

Chase Sapphire Reserve | The Stack

Foreign transaction fee

None

Network

visa

Rates and offers can change. Confirm final terms on the issuer site before applying.

Is It a Fit?

Good fit if:

•Excellent credit or better
•You can offset the $795 annual fee with real usage
•You want a solid all-around card

Think twice if:

•You avoid paying annual fees
•You prefer travel transfer partner redemptions
•You are still building or repairing credit

Next Step

Compare this card against alternatives before deciding.

Compare Cards Find Better-Fit Cards