Snapshot
Chase Sapphire Reserve® | Centurion Card from American Express | |
|---|---|---|
| Issuer | Chase | American Express |
| Network | Visa (Visa Infinite) | American Express |
| Card Material | Metal | Plastic |
| Annual Fee | $795.00 Effective: $495.00 • $300 Annual Travel Credit | $5000.00 Effective: $1000.00 • $3000 Equinox Destination Access • $1000 Saks Fifth Avenue Credit |
| Base Rate | 1.00% | 1.00% |
| Travel Rewards | 3.00x | 0.00x |
| Authorized User Fee | $75.00 | $0.00 |
| Foreign Transaction Fee | None | None |
| Credit Reporting | Ex, Eq, Tu | None |
| Product Lifecycle | Available (9y ago) | Active |
| Minimum Credit Line | $10000 | N/A |
Welcome Offer
| Bonus | 150,000 Chase Points | N/A |
| Spend Requirement | $6,000 | N/A |
| Timeline | 90 days | N/A |
| Efficiency Score | 25.00 pts/$1 | 0.00 pts/$1 |
| Cash Back Value | $1,500 | — |
| Portal Travel Value | $2,250 | — |
| Transfer Estimated Value | $3,000 | — |
Rewards Breakdown
| Base Rate | 1.00% | 1.00% |
| Chase Travel Flights | 5.0x | — |
| Chase Travel Hotels & Car Rentals | 10.0x | — |
| Dining | 3.0x | — |
| Lyft | 5.0x | — |
| Purchases over $5k | — | 1.5x |
| Travel | 3.0x | — |
| Anniversary Bonus | None | None |
| Portal Boost | 1.5x | 1x |
Benefits & Partners
| Transfer Partners | 14 Partners | None |
| Annual Credits | $300 Annual Travel Credit | $3000 Equinox Destination Access $1000 Saks Fifth Avenue Credit |
| Partnership Benefits | 3 Programs | None |
| Lyft | 5.0x Chase Points | — |
| DashPass Perk | Complimentary Membership ($9.99/mo) | — |
| Priority Pass Select Perk | Unlimited lounge visits for cardholder + 2 guests | — |
Transfer Partners
| Aer Lingus AerClub | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| Air Canada Aeroplan | 1.5¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| British Airways Executive Club | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| Emirates Skywards | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| Air France-KLM Flying Blue | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| World of Hyatt | 2.3¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| Iberia Plus | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| IHG One Rewards | 0.6¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| JetBlue TrueBlue | 1.3¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| Marriott Bonvoy | 0.8¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| Singapore Airlines KrisFlyer | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| Southwest Rapid Rewards | 1.4¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| United MileagePlus | 1.3¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
| Virgin Atlantic Flying Club | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) | — |
Pricing Details
| Purchase APR | 19.49% - 27.99% | 19.49% - 28.49% |
| Cash Advance Fee | 5% | None |
| Balance Transfer Fee | 5% | None |
| Late Payment Fee | Up to $40 | Up to $Unverified |
| Minimum Interest Charge | $0.00 | None |
| Grace Period | 21 days | N/A |
| Penalty APR | 29.99% | None |
Insurance & Protections
| Auto Rental Coverage | Primary ($75,000) | None |
| Trip Cancellation | Up to $20,000 | None |
| Trip Delay | Up to $500 | None |
| Purchase Protection | Up to $500 / Item | None |
| Extended Warranty | +1 Year | None |
| Return Protection | None | None |
| Cell Phone Protection | None | None |
| TSA PreCheck | Included | None |
Usability & Experience
| Digital Wallets | apple-pay, google-pay, samsung-pay | None |
| Customer Service | 24/7 Direct Specialist | Unverified |
| Instant Use | Available | Unverified |
Strategy & Eligibility
| Min. Credit Score | 720+ | 660+ |
| Recommended Range | Excellent | Good / Excellent |
| Chase 5/24 Rule | Strict (Chase) | No |
| Lifetime Restriction | None | None |
| Active Family Restriction | Yes (Sapphire Family (One Sapphire card at a time)) | No |
| Closure Grace Period | 2 weeks | None |
Real-World Value Gap
[!NOTE] AxeTip Realism Index: We’ve adjusted portal redemption values for cards with travel portal multipliers to reflect real-world market pricing (e.g., markups found in the Chase Travel portal).