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Chase Sapphire Reserve: 100,000 points after $6,000 in 3 months ($795 fee)

What the bonus is worth: Chase says $2,000 of value for select flights and hotels through Chase Travel, plus the card's $300 travel credit.

$195 per authorized user.

Our take

The 100k bonus is huge, but the $795 fee is real money and the credits are in halves (January–June, July–December), so do the math on your own travel first. If you'd use the $300 travel credit, at least one hotel credit half and the lounges, it's a clear win in year one. Everyone else: take the Preferred above and upgrade later.

Who it's for

Frequent flyers who book direct, use lounges and will actually spend the hotel and dining credits. If you fly twice a year, get the Preferred.

Rates & fees at a glance

Welcome bonus	100,000 points
Spend requirement	$6,000 in the first 3 months
Annual fee	$795 ($195 per authorized user)
APR	19.74%–28.24% variable APR on purchases
Earns	Ultimate Rewards points
Network	Visa
Checked	Oct 8, 2026 on Chase's site

How to stack it

• Time the application with a big planned expense (insurance, tuition, a trip) so the spend requirement is money you'd spend anyway.
• Shop through a cashback portal and the card's own offers (Chase Offers, Amex Offers, Capital One Offers) while meeting the spend — the bonus stacks on top of normal earning.
• Set a calendar reminder for the end of the spend window and another before the first annual fee posts.

Verified: Chase's Sapphire Reserve page, Oct 8, 2026: “Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.” $795 annual fee; $195 for each authorized user. Source: creditcards.chase.com. Offers change; the issuer's page is final.

Advertiser & referral disclosure: StackTheDeal may receive a referral bonus or commission when you apply for a card or open an account through links on this page. That never changes which offers we post or what we say about them. Offer terms are as shown on the issuer's own page on the date checked; the issuer's page is final, and offers can change or end without notice. We are not a bank or lender and do not make credit decisions. How we make money.

Common questions

Is the $795 annual fee really worth it?

Only if you'll use the credits: $300 travel, $500 at Chase's The Edit hotels, $300 dining, plus lounge access and other perks. If you travel a few times a year and book through Chase, the credits outrun the fee; if not, the Preferred is the better pick.

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Do the credits post right away?

The travel credit applies automatically to travel purchases each cardmember year. Some credits are split into halves per calendar year, so read the current schedule on Chase's page before you plan around them.

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Does 5/24 apply?

Yes. Chase applies 5/24 to the Reserve like the rest of its cards.

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How long after the spend do the 100,000 points show up?

Typically 6 to 8 weeks after you reach $6,000 in purchases within 3 months.

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Can I hold both the Reserve and the Preferred?

No. Chase allows one Sapphire card per person. You'd need to downgrade the one you have first, and you still wouldn't get a second bonus inside 48 months.

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Is the bonus taxable?

No. Credit card points earned by spending aren't taxed as income; the IRS treats them as a rebate on purchases.

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Questions about this offer?

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