Chase

Chase Sapphire Reserve®

Best for Premium flexible rewards

Welcome bonus

60,000 points

after $4,000 spend within 3 months

Annual fee: $550
Spend required: $4,000
Credit score needed: Excellent (740+)

Why this card

Chase Sapphire Reserve carries the highest annual fee of the Sapphire family but pairs its welcome bonus with an annual travel credit, lounge access and elevated redemption value through Chase Travel. Best once you have already used a starter card bonus.

Perks

$300 travel credit
Priority Pass lounges
Global Entry/TSA PreCheck credit

Everyday earn rates

3x on travel and dining, 1x elsewhere