The Chase Sapphire Reserve® Card is one of the most popular premium credit cards on the market. While the card has a $795 annual fee, it can be incredibly rewarding, thanks to its generous rewards structure, airport lounge access perks, and credits that can help offset the annual fee. The card also has an excellent welcome offer, so there’s a huge incentive to pick up the card.

This is my in-depth Chase Sapphire Reserve review. Let’s start with a basic summary, and then we’ll get into a lot more detail. If you’re willing to put in the effort, this card can absolutely be worth it in the long run, especially if you value airport lounge access.

Link: Learn more about the Chase Sapphire Reserve® Card

Before I get into my Chase Sapphire Reserve review, here’s a brief summary of the key details of the card:

Below are what I consider to be the pros and cons of the Chase Sapphire Reserve .

To start, let’s take a look at the Chase Sapphire Reserve welcome bonus and the annual fee. These are the two factors that prospective cardmembers often consider first. After all, we want big rewards up front, though a high fee can be a deterrent to applying for a card.

Fortunately this card has a big welcome bonus, and while the annual fee is steep, make sure you consider all the card perks before drawing too many conclusions based on it.

The Chase Sapphire Reserve is offering a welcome bonus of 100,000 Ultimate Rewards points after spending $6,000 within the first three months. Personally, I value Ultimate Rewards points at 1.7 cents each, so to me, the points are worth $1,700.