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JP Morgan Chase

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800.935.9935

Breaking Points

October 19, 2022
JP Morgan Chase
Sapphire Reserve Sign Up Limited Time Offer

Now with the Chase Sapphire Reserve card, earn 80,000 Bonus points after spending $4000 in 3 months. Annual fee is $550 with a $300 annual travel credit. This offer is ending soon, so if you haven't tipped the 5/24 rule you may want to consider this one.

October 19, 2022
Chase Sapphire Reserve
New Sign Up Offer on Sapphire Reserve Card

For a limited time get 80,000 bonus points after spending $4000 in 3 months. There is a $550 annual fee that's not waived but can be offset by the $300 annual travel credit every anniversary that comes with this Chase Sapphire Reserve Card.

July 21, 2022
Chase Sapphire Reserve
Chase Reserve has a New Offer

Chase Sapphire Reserve card is offering 60,000 Ultimate Rewards after spending $4000 in 3 months. This card comes with a $300 annual travel credit to offset the $550 annual fee.

July 29, 2021
Delta SkyMiles
Mini Points - August 2021

- Delta Airlines is extending Medallion status & other benefits into 2023.

- Ultimate Rewards welcomes Aeroplan as their newest transfer partner with a 1:1 transfer.

- Hyatt adds more than 30 new smaller luxury hotels throughout the world for you to use your points on.

- Chase Sapphire Preferred Cards are getting a face-lift with new improved benefits & earning rates.

Bonus Points Minimum Spend Point Value Annual Value Annual Fee 1st Year Value
60,000 $4,000 1.8 ¢ $171 $250 $1048
Best Value Differentiating Perks Rules
Travel of all kinds 3X points on travel & dining, 150% point redemption on Chase portal, complimentary priority pass membership 1/48 Sapphire , 5/24 , Chase 2/30 , Chase 4/6
Most Recent Special Offer: 80,000 Bonus Points for $4,000 spend ended Nov 2022
Card Type: Personal

Spend Categories

Airfare + »

5X points
8.8¢ Per Dollar Spent

All Other + »

1X points
1.8¢ Per Dollar Spent

Hotels + »

10X points
17.6¢ Per Dollar Spent

Parking + »

3X points
5.3¢ Per Dollar Spent

Restaurants + »

3X points
5.3¢ Per Dollar Spent

Travel + »

10X points
17.6¢ Per Dollar Spent

Card Benefits

Travel Credits »
Get up to $300 in statement credits annually as reimbursement for travel purchases (airline tickets, hotels, car rentals, etc.) charged to your card.
Lounge Access »
Get unlimited access to Priority Pass lounges for primary and authorized card user. You can bring 2 guests per visit.
TSA Pre Check »
Get up to $100 statement credit for Global Entry, or an $85 fee credit for TSA PreCheck.
Car Rental Insurance »
Using this card gives you primary coverage, providing reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.
Travel Insurance »
Travel accident insurance up to $1 million; lost luggage insurance up to $3,000 per person; trip cancellation insurance up to $10,000 per person; baggage delay insurance up to $100 per day for 5 days; trip delay reimbursement up to $500 per ticket.
No Foreign Transaction Fees »
With 3x on Restaurants and Travel.
Concierge »
Visa Infinite Concierge Service: call 1-888-853-4458 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific requests.
Roadside Assistance »
Free roadside assistance through Cross Country Motor Club at 1-866-860-7978. Up to $50 maximum for each service event, up to 4 events each year, separated by at least 7 days.
Hotel Perks »
Chase Luxury resort collection: Includes room upgrades, complimentary daily breakfast for two, early check-in, late checkout, and other amenities at more than 900 luxury hotels and resorts worldwide.
Purchase Protection »
Your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Extended Warranty »
This card extends the manufacturer's warranty by 1 additional year on warranties of 3 years or less.

Point Transfer Options

Transfer To Spouse/Partner Yes

Transfer To Friends No

Travel Partner Transfers

Chase Ultimate Rewards Outside Point System

Transfers Out To
Point Transfer Options
Air Canada Aeroplan

1:1 88% value retained

Point Transfer Options
British Airway Executive Avios

1:1 75% value retained

Point Transfer Options
Cash in Cents

1:1 63% value retained

Point Transfer Options
Flying Blue and Air France

1:1 75% value retained

Point Transfer Options
IHG Rewards

1:1 38% value retained

Point Transfer Options
jetBlue trueBlue

1:1 75% value retained

Point Transfer Options
Marriott Bonvoy

1:1 44% value retained

Point Transfer Options
Singapore KrisFlyer

1:1 81% value retained

Point Transfer Options
Southwest Rapid Rewards

1:1 88% value retained

Point Transfer Options
United MileagePlus

1:1 94% value retained

Point Transfer Options
Virgin Atlantic Flying Club

1:1 94% value retained

Point Transfer Options
World of Hyatt

1:1 100% value retained

Why You Might Want This Card

Best Overall Personal Card You Should Get

The Chase Sapphire Reserve is, arguably, the best travel card you'll find. The benefits include (but are certainly not limited to): 1:1 point transfer to some of the most popular airlines and hotels; access to 1,000+ airport lounges worldwide; access to luxury hotel and resort collections; primary car rental insurance; travel insurance -- and so much more. Want more points? Get 3x points on all travel and dining purchases. When it's time to book your trip, go through the Chase Travel Portal to redeem your points for 50% more. You can even transfer your Chase Reward points from some other Chase cards and still get the 50% point bonus. This means every point you earn from Chase Freedom or Ink cards are also worth 50% more.

This card falls under the 5/24 Chase rule, so if you're maxed out with the number of credit cards, wait before applying. Also, you'll need excellent credit to get this card. But don't worry, you can talk with the reconsideration line if you have any issues. Don't let the $550 annual fee scare you -- since you'll get an annual travel credit for $300 every year. This perk lowers the actual cost of annual fee to $250. And, using the other perks of this card, such as the $100 credit toward Global Entry, lowers even the cost of its annual fee.

Check out our Chase Ultimate Rewards page for more details on how to best use Chase Points.


Bottom Line

If you don't already have the Chase Sapphire card, it's probably in the top 2-3 of your personal rankings. If you have a spouse or partner helping you, one of you should get the Sapphire Reserve while the other gets the Sapphire Preferred. But if you can only pick one of the Sapphire cards, which should you choose? Many sites rank the Sapphire Preferred above the Reserve. We disagree. And we believe the reason those sites try to steer you away from the Reserve card is simple: they get paid on the Preferred card referrals and not the Reserve card referrals. Here is an article that breaks down which is best for you and why >

Application Rules

You cannot receive a Sapphire card sign-up bonus if you've already received a bonus from either version within previous 48 months

Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months

You'll be declined if you apply for a third Chase card of any kind within 30 days

Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months

Breaking Points

October 19, 2022
JP Morgan Chase
Sapphire Reserve Sign Up Limited Time Offer

Now with the Chase Sapphire Reserve card, earn 80,000 Bonus points after spending $4000 in 3 months. Annual fee is $550 with a $300 annual travel credit. This offer is ending soon, so if you haven't tipped the 5/24 rule you may want to consider this one.

October 19, 2022
Chase Sapphire Reserve
New Sign Up Offer on Sapphire Reserve Card

For a limited time get 80,000 bonus points after spending $4000 in 3 months. There is a $550 annual fee that's not waived but can be offset by the $300 annual travel credit every anniversary that comes with this Chase Sapphire Reserve Card.

July 21, 2022
Chase Sapphire Reserve
Chase Reserve has a New Offer

Chase Sapphire Reserve card is offering 60,000 Ultimate Rewards after spending $4000 in 3 months. This card comes with a $300 annual travel credit to offset the $550 annual fee.

July 29, 2021
Delta SkyMiles
Mini Points - August 2021

- Delta Airlines is extending Medallion status & other benefits into 2023.

- Ultimate Rewards welcomes Aeroplan as their newest transfer partner with a 1:1 transfer.

- Hyatt adds more than 30 new smaller luxury hotels throughout the world for you to use your points on.

- Chase Sapphire Preferred Cards are getting a face-lift with new improved benefits & earning rates.

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