Earn 20K Amex Points With Pay Over Time
5X
total points on flights when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually.
10X
10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually.
3X
on other travel and dining
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Why We Like It

The Chase Sapphire Reserve® is the premium version of the Chase Sapphire Preferred Card®. It comes with a steeper annual fee at $500 but it also offers a ton of perks.

As it earns Ultimate Rewards points, you can transfer to a bunch of partners including United MileagePlus and World of Hyatt. You can also redeem your points via the Chase travel portal at 1.5 cents per point - great if you find a business class fare deal!

To be eligible for the sign-up bonus, you can’t have received the bonus for the Sapphire Reserve or Sapphire Preferred in the last 48 months. Plus, you can’t currently have either card.

The Chase 5/24 rule also applies. If you’ve opened 5+ cards from any bank that show on your personal credit report, you won’t be eligible to open the card.
BONUS CATEGORIES
  • 5X total points on flights when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually.
  • 10X 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually.
  • 3X on other travel and dining
  • 1X on all other purchases
$300 Travel Credit
Each cardmember year, the first $300 you spend on travel will be reimbursed.
Priority Pass Select Membership
You’ll have access to 1,300+ airport lounges as well as a dining credit at Priority Pass restaurants.
Trip Delay Protection
If your flight is canceled or delayed 6+ hours, you can be reimbursed for up to $500 in reasonable expenses.
Global Entry or PreCheck Credit
Every 4 years, you can pay for your Global Entry, TSA Precheck, or NEXUS application fee and be reimbursed.
No Foreign Transaction Fees
You won’t be charged to use your card abroad.
Primary Rental Car Coverage
Pay with your card and get primary collision damage waiver coverage in most countries.

Related Cards

Chase Sapphire Preferred® Card
A go-to for beginners. It's an easy way to earn more points with bonus categories on travel, dining and more. Plus, you can transfer points to airline and hotel partners.
Capital One Venture X®
One of my favorite cards on the market right now. I regularly use it to earn 2x on spend that otherwise would earn 1x. Throw in lounge access and up to 3 free authorized users (who also get lounge access), and you have something special.
The Platinum Card® from American Express
A great card for lounge access, statement credits, and premium cabin flight discounts. The best offer is currently via personal referral. Click "Learn More" below to apply via referral.

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