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Chase Sapphire Reserve®
Unlock over $5,000 in first-year value with the ultimate flexible travel and lifestyle card.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- Welcome Bonus: 125,000 Points (Spend $6k in 3 months) - Value $2,500+
- Over $1,500 in annual lifestyle credits (DoorDash, Lyft, Peloton, Apple)
- Best-in-class Travel Protection (Primary Rental, Trip Cancellation/Delay)
- Most Flexible $300 Travel Credit in the market
- Access to Sapphire Lounges and 1,300+ lounges worldwide
The Bad
- High Annual Fee ($795) + $195 per additional Authorized User
- Credits split semi-annually or monthly (requiring tracking)
- Strict approval rules (5/24 rule)
- The Edit credit requires prepaid booking (2-night min)
Lounge Access
4 lounge networks included
Guest Policy
2 guests per visit (Priority Pass & Sapphire Lounge)
Purchase APR
19.49% - 27.99% Variable
Credit Score
Excellent (740+)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real $795 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- $400/yr
- Annual fee
- $795/yr
- Net for your usage
- -$395
At $50 per visit, you cover the fee at about 16 visits per year. This card opens 345 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
125,000 Bonus Points
Offer Terms & Eligibility:
Spend $6,000 in first 3 months. Verify eligibility if previous cardholder.Lounge Networks
4 IncludedAdditional Travel Perks
Lounges Chase Sapphire Reserve® Opens
345 lounges tracked across 172 airports, derived from this card's network coverage.
Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
Priority Pass Select and Chase Sapphire Lounge lounges are available at hundreds of airports worldwide