Chase Sapphire Reserve® (CSR) Review (2019.6 Update: 50k Offer)

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Chase Sapphire Reserve® (CSR) Review

Application Link


  1. 50k offer: earn 50,000 Ultimate Rewards (UR) points after spending $4000 in the first 3 months! The previous best offer was 100k when this product was released, but we are unlikely to see that again.
  2. We estimate that Ultimate Rewards (UR) points are worth about 1.6 cents/point, see below for a brief introduction. So the 50k sign-up bonus could be worth about $800!
  3. If you have this card, you can transfer your UR points to partner airlines miles and hotel points. You can also use your UR points at a fixed rate 1.5 cents/point on the Chase UR travel portal. This makes UR points worth at least 1.5 cents/point!
  4. Each year (account anniversary year), automatically receive up to $300 in statement credits as reimbursement for travel purchases such as airfare and hotels charged to your card.
  5. Earn 3x UR points on travel (after using full travel credit) and dining. Earn 1x UR point per dollar spent on all other purchases. Chase is known to be quite flexible with their definition of travel and includes merchants such as Uber and some public transportation.
  6. Complimentary Priority Pass Select (PPS) card for the primary cardholder and authorized users. You can bring up to 2 guests for free.
  7. Up to $100 credit for Global Entry or TSA Pre application fee.
  8. Visa Infinite benefits, including: Visa Infinite Hotel Collection, Visa Infinite Hotel Privileges, Visa Infinite Car Rental Privileges. But note that the $100 air discount benefit is NOT included.
  9. Primary car rental insurance.
  10. No foreign transaction fee.
  11. Refer a friend. You can earn 10,000 bonus UR points for every approved account you refer, up to a maximum of 5 approved referrals (50,000 UR points) per calendar year.


  1. Annual fee $450, NOT waived first year. $75 annual fee for each authorized user. Note that the annual fee does not count towards the minimum spending requirement (and this is true for all credit cards)!
  2. The lowest credit limit is $10k, so it requires good income and credit history.

Introduction to UR Points

Recommended Application Time

  1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
  2. The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. Note that what this 48-month clock starts from when you last got the sign-up bonus, not the time you open the account or close the account.
  3. Don’t apply for more than 2 Chase credit cards within 30 days, it’s highly likely that you will get rejected.
  4. We recommend that you apply for this card after you have had other Chase credit cards for at least 3 months, or after you have had a credit history for more than a year.


This is a new Chase premium credit card. The $300 travel credit is easy to get so this makes its annual fee effectively only $150. Also don’t forget the value of a PPS card! Compared to the Chase Sapphire Preferred (CSP), it earns 3x on travel & dining instead of 2x, it earns UR points faster. It can also redeem UR at a better value through the travel portal (1.5 cpp vs 1.25 cpp). If you spend a lot on dining and travel, this card is better than the CSP. In conclusion, it is a card worth keeping! The biggest problem is the 5/24 rule. If you are able to get this card, it is strongly recommended!

Related Credit Cards

Recommended Downgrade Options

  • Chase Freedom. Even if you already have a Freedom, you are still able to downgrade your CSP to have a second Freedom.
  • Chase Freedom Unlimited (CFU).
  • Chase Sapphire. If you are not able to downgrade your card to the above good cards, you can downgrade it to this card and try to product change in the future.

After Applying

  • Call 800-436-7927 to check Chase application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
  • Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call it if you didn’t get approve immediately. Your personal information will be acquired and they will then review it. You seldom answer questions, instead, just enjoy the music and then you get approved or rejected, or further information is needed to be hand in to the branch or faxed.

Historical Offers Chart

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