Priority Pass Select (1,300+ lounges) plus access to Chase Sapphire Lounges
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Chase Sapphire Reserve
This only makes sense if you'll burn through the annual travel credit and use Priority Pass lounges; otherwise the $550 fee (as of 2026) makes the Preferred the smarter pick. Subtract the ~$300 travel credit and the real cost is closer to $250, which a frequent flyer recovers fast through 1.5 cents-per-point redemptions in Chase's portal. Don't carry it for the status alone, and check chase.com for the current credit structure since Chase has reshuffled it before.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓$300 travel credit posted each year
- ✓Get into Priority Pass and Sapphire Lounges
- ✓Reimbursement for Global Entry or TSA PreCheck
- ✓Points worth 50% more booked through Chase Travel
👍 Pros
- + Lets you into airport lounges
- + The yearly travel credit takes a big bite out of the fee
- + Top-tier travel insurance included
👎 Cons
- – Steep annual fee
- – Only pays off if you travel often
Can you get it?
- ▸An excellent credit score
- ▸Counts against the Chase 5/24 rule
- ▸Typically expects a higher income
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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