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Chase Sapphire Reserve Credit Score

The Chase Sapphire Reserve card

Chase Sapphire Reserve®

  • Rewards

    Earn 5X total points on flights and 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. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

  • Welcome bonus

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®

  • Annual fee

  • Intro APR

  • Regular APR

  • Balance transfer fee

  • Foreign transaction fee

  • Credit needed


  • $300 annual travel credit for travel purchases
  • Global Entry or TSA PreCheck application fee credit up to $100 every four years
  • Priority Pass™ Select lounge access at 1,000+ VIP lounges in over 500 cities worldwide
  • Points are worth 50% more when redeemed for travel via Chase Ultimate Rewards®
  • Special benefits at The Luxury Hotel & Resort Collection
  • Complimentary year of Lyft Pink membership


  • High annual fee, but it can be offset by taking advantage of all the card’s perks
  • No introductory APR
  • Estimated rewards earned after 1 year: $1,469
  • Estimated rewards earned after 5 years: $3,346

Rewards totals incorporate the points earned from the welcome bonus

The Chase Sapphire Reserve® has a $550 annual fee, but its benefits can make it worth the price. Every year cardholders receive up to $300 in statement credits for travel purchases, and that’s in addition to these ongoing perks:

  • Priority Pass membership (access to 1,400+ airport lounges)
  • Up to $100 in application fee credits every four years for Global Entry, TSA PreCheck or NEXUS
  • Free year of DoorDash DashPass worth $120 (when you activate by Dec. 31, 2024)
  • Two free years of Lyft Pink All Access worth $199 a year (when you activate by Dec. 31, 2024)
  • $5 in monthly DoorDash credit through Dec. 31, 2024
  • Free year of Instacart+ worth $99 when you activate by July 31, 2024
  • Up to $15 Instacart statement credits a month through July 2024

Cardholders can also take advantage of many useful travel and purchase coverages. You’ll get trip delay insurance, rental car coverage, purchase protection, extended warranty protection and more.

The Sapphire Reserve also earns Chase Ultimate Rewards® points, which are exceptionally versatile and valuable travel rewards. You can redeem Chase points for cash back, gift cards, travel and transfer them to all 14 of Chase’s partner travel programs.

Credit score needed for the Chase Sapphire Reserve card

While there isn’t an officially published minimum credit score requirement, to qualify for Chase Sapphire Reserve®, you’ll typically need a top-notch credit score. To give yourself the best chance of being approved, aim for a FICO Score of 740 or higher.

But remember, Chase considers much more than your credit score when reviewing your application, including how many credit cards you have opened with other banks recently. You may be denied a Chase credit card if you’ve opened five or more credit cards in the past 24 months. This is known as the Chase 5/24 rule.

There are also added limitations based on if you have, or have had, any version of the Sapphire card (including the Chase Sapphire Preferred® Card). You aren’t eligible for a Sapphire Reserve card if you either:

  • Currently have any version of the Sapphire card
  • Received a welcome bonus from any version of the Sapphire credit card in the last 48 months

The 48-month waiting period applies to when you last earned a bonus, not when you were last approved for a Sapphire card. You typically have up to three months to earn a bonus, so you may need to wait up to 51 months from your last Sapphire card approval date.

Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™.

How to improve your credit score

Experian Boost™

On Experian’s secure site

  • Cost

  • Average credit score increase

    13 points, though results vary

  • Credit report affected

  • Credit scoring model used

Results will vary. See website for details.


What should I do if I’m rejected for the Chase Sapphire Reserve card?

If you’re rejected for the Chase Sapphire Reserve, you’ll receive a letter explaining why. At this point, you can work on addressing the issues that led to the denial or you could call the Chase reconsideration line to further explain your situation or provide additional information in hopes of being approved.

Is the Sapphire Reserve better than the Sapphire Preferred?

The Sapphire Reserve has a better suite of benefits than the Sapphire Preferred, but it also has a higher annual fee. If you’re looking for a luxury card, the Sapphire Reserve is a good fit, but the Sapphire Preferred is a better entry-level or mid-tier card.

What salary do you need to qualify for a Chase Sapphire Reserve card?

Chase doesn’t publish official income requirements for the Sapphire Reserve card. That said, having a higher income may improve your approval odds and will factor into your credit limit.

Bottom line

To have the best chances of getting approved for the Chase Sapphire Reserve®, we recommend having a strong credit score (740+). However, even with an excellent credit score, you’ll need to meet other requirements to qualify such as falling under Chase’s 5/24 limit.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card story is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit cards. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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*Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

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