Visa sapphire reserve

Visa Checkout, an easier way to pay online

Say hello to an easier way to pay online. Now you can speed through checkout using a single log-in whenever you see the Visa Checkout button. Plus, receive a $15 statement credit by using your Chase Sapphire ® card or Chase Sapphire Preferred ® card with Visa Checkout.

anywhere you see the Visa Checkout button at checkout

with Visa Checkout when you’re ready

with Visa Checkout and pay with your Chase Sapphire or Chase Sapphire Preferred card

by receiving a $15 statement credit within one to two billing cycles when you use Visa Checkout

Sorry, this offer has now expired!

Smartphone. Tablet. Laptop. Or Desktop. Visa Checkout works across all your devices, no matter where you are. So shopping stays convenient, and paying online gets even easier. Use Visa Checkout at the following merchants:

The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).

This offer is valid from September 10, 2015 through September 30, 2015. To qualify for this offer, you must use your Chase Sapphire or Chase Sapphire Preferred Visa credit card with your Visa Checkout account during checkout. Limit (1) $15 statement credit per customer or card account. Allow 1 to 2 billing cycles from Visa Checkout purchase for delivery of the statement credit to the Chase Sapphire account added to the Visa Checkout account; your card account must remain open and not be in default to receive the statement credit. Statement credit cannot be processed if your card number expires or changes while statement credit is pending. Statement credit will appear on your statement as a stand-alone transaction independent of any purchase transaction. Chase or Visa may terminate this offer at any time without notice. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax advisor, as neither Chase, its affiliates, nor their employees provide tax advice.

Visa is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa USA Inc.

Is the ‘Best Travel Rewards Card’ the Best Credit Card for You?

Visa sapphire reserve

After 20 years working in the travel industry, and 15 years writing about it, Tim Winship knows a thing or two about travel. Follow him on Twitter @twinship.

This month saw the launch of what many in the travel blogosphere are calling the best travel-rewards credit card ever: the Sapphire Reserve Visa card from Chase.

The card in brief:

  • Annual fee: $450
  • 100,000-point sign-up bonus, after spending $4,000 in 3 months
  • Earn 3 points per $1 spent on travel and dining, 1 point per $1 for other spend
  • Points transfer 1:1 to 11 airline and hotel loyalty programs
  • Annual $300 credit toward travel spend
  • $100 fee credit toward Global Entry (which includes TSA PreCheck)
  • Priority Pass membership for access to 900 airport lounges
  • Primary rental-car insurance
  • Trip cancellation/delay coverage
  • Reimbursement for lost luggage
  • Free roadside assistance
  • No foreign transaction fees

That $450 annual fee puts the Reserve card at the upper end of pricey rewards cards, alongside the likes of the American Express Platinum card, the Citi Executive AAdvantage WorldElite MasterCard, the Delta Reserve Credit Card, and the United Mileage Plus Club Card. And like those other cards, the new Chase Reserve card makes the case that the value of the associated benefits far exceeds the high annual fee. And certainly it does, in theory.

When redeemed for flights through the Ultimate Rewards portal, the 100,000 bonus points alone are worth $1,500. Add to that the $300 travel credit, the $100 Global Entry credit, and the $399 Priority Pass membership, and the first-year value of just those benefits is well over $2,000.

The insurance adds yet more economic value to the card, and the points’ convertibility into other program currencies gives the card a measure of flexibility that’s hard to beat.

In all, the new Chase Sapphire Reserve card may indeed be the best travel-rewards card now on the market. But it may not be the best rewards card for you.

Much of the excitement generated by the card is due to the hefty sign-up bonus. It’s an attention-getter, to be sure. But it’s a one-time bonus. After that, the card’s value depends on its ongoing features to justify the $450 annual fee. And by design, those features are exclusively travel-related.

Do you travel frequently? If not, the three-points-per-$1 earning rate for travel spend is moot. As is the $300 annual travel credit. And the $100 Global Entry credit. And the $399 Priority Pass membership.

So, is the Chase Sapphire Reserve Visa the best frequent-traveler rewards card? Probably. The best travel-rewards card? Maybe, maybe not. The best rewards card. Probably not. It depends.

Is the Reserve card the best card for you?

After 20 years working in the travel industry, and 15 years writing about it, Tim Winship knows a thing or two about travel. Follow him on Twitter @twinship.

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Chase Sapphire Reserve vs. American Express Platinum

Visa sapphire reserve

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The Chase Sapphire Reserve card and the American Express Platinum card are two of the best travel rewards cards designed for high-income consumers seeking a top-notch sign-up bonus and superior rewards.

Both cards offer excellent benefits for air travelers, including airport lounge access, credits for enrollment in expedited airport security screening programs and annual rebates to offset travel spending.

Both cards also charge a premium annual fee, which, unlike other reward cards, you’ll pay even in the first year.

Table of contents

Deciding which card to choose may depend on your own spending habits and how flexible you need the perks and rewards redemption to be. Here’s a look at some of the key differences between these two premium rewards cards.

Sapphire Reserve vs. AmEx Platinum

American Express Platinum has an annual fee of $550. The Chase Sapphire Reserve’s annual fee is $450.

The AmEx Platinum card offers more generous rewards for hotel and airfare spending than the Sapphire Reserve, but makes it more difficult to actually earn those rewards. The Sapphire Reserve offers better rewards for dining out and is far more flexible both in how you earn and spend your rewards.

AmEx Platinum: Earn five Membership Rewards points for every $1 spent on hotels that are prepaid and booked through American Express Travel. The card also awards five points for every $1 spent on airfare either booked through the site or directly with the airline. Earn one point per $1 spent on everything else.

Chase Sapphire Reserve: Earn three points for every $1 spent on all travel purchases and dining and one point per dollar on all other purchases. With Chase Ultimate Rewards you can book travel, typically at a 1:1 ratio with any of the issuers travel partners. Points are worth 50 percent more when you book travel through the Chase travel portal. So points normally worth $200 are worth $300 in travel when booked through the site.

Both cards offer an annual travel credit, but they differ in the size of the benefit and what you can use it for.

AmEx Platinum: Receive $200 annually in credit for fees incurred on flights booked through American Express Travel or a qualifying airline. This credit is for incidental fees — like checking baggage or in-flight food and beverage and may not be put toward the cost of airfare itself.

Sapphire Reserve: Receive $300 annually in credit that can be used on a wide-range of travel-related expenses, including airfare, hotels, cruises, trains, buses, limousines, tolls, parking fees, bus fares, taxis and campgrounds.

AmEx Platinum: Enroll in the complimentary Hilton Honors program and receive an automatic upgrade to gold status, which comes with its own benefits and rewards like free Wi-Fi, a 5 th night free and bonus Honors points for stays. Upgrade for free to Starwood Preferred Guest gold status program, which comes with its own benefits and rewards like room upgrades, free Wi-Fi and bonus Starpoints for stays.

Sapphire Reserve: At Visa Infinite Luxury hotels, get an extra property specific perk like a $75 food credit or a $100 spa credit.

AmEx Platinum: Get free access to Centurion lounges, as well as entry to International American Express, Priority Pass, Delta Sky Lounge and AirSpace lounges, covering more than 1,000 locations worldwide. A maximum of two guests can join cardholders for free in American Express’ Centurion lounges; additional guests pay $50 per person.

Sapphire Reserve: Get free access for you and an unlimited number of guests in your party to Priority Pass Select lounges at over 1,000 locations worldwide.

The American Express Platinum is a charge card, meaning there’s no interest charges as the balance is due at the end of every billing cycle. Late fees can be up to $38.

The Chase Sapphire Reserve is a credit card, so you can carry a balance, although it isn’t recommended. The APR ranges from 16.49 to 23.49 percent. Late fees can be up to $37.

Chase Sapphire Reserve vs. American Express Platinum: Which is better?

Visa sapphire reserve

Visa sapphire reserve

The Chase Sapphire Reserve  has been out for only two months and has already captivated credit card-obsessives: Among other features, its generous pile of reward points has made the attractively hefty metal card like cat-nip for millennials especially.

Now — with its high, $450 annual fee and approval  requirements  and   limits (you need to be approved for a $10,000 credit line  for one) — the Reserve isn't for everyone. 

But that might be a different story under certain circumstances: if your credit is excellent , you always pay your bill on time, you're a big traveler and you tend to spend a lot on your credit card every month.

If that describes you, you might be considering either the Reserve or its rival top-tier card, American Express Platinum.

To help you decide, Mic  dug into the fine print for the two cards — matching them head-to-head to see how they stack up on fees, perks and ongoing value to the user.

Chase Sapphire Reserve vs. American Express Platinum: Which offers more points?

One reason points-lovers are  drooling with excitement over the Chase Sapphire Reserve is the eye-popping 100,000 bonus points that come when you spend $4,000 in the first three months. That bonus is valued at $1,500 , according to Chase. 

The American Express Platinum has bonus points too: The Platinum card offers 40,000 points  for those who charge $3,000 in the first three months. 

But the Reserve wins this contest easily, as it offers more  bonus points  than the Platinum card.

Both cards offer 1 point for every $1 spent on eligible purchases (goods or services minus returns and other credits, not including service fees, interest charges, balance transfers, cash advances, purchases of travelers checks, or other purchases of cash equivalents) on the card. A new points bonus on the Platinum card adds  5 points for flight purchases — an offer that competes directly with the 3 points  offered by the Sapphire Reserve. 

Then again, the Platinum offers the extra points only on flight purchases , while the Reserve offers the extra points on travel (including airfare, hotels, taxis and trains) and dining (from casual to fine dining).

Chase Sapphire Reserve vs. American Express Platinum: Which has a lower fee?

Both cards have a gobsmacking $450 annual fee, but — arguably — a chunk of this expense is offset by the generous travelers' credits both cards offer. 

The Chase card offers $300 in reimbursements a year on travel purchases, including airfare and hotels, charged to the card. That's more than the AmEx card offers: $200, limited to airline fees. 

Both cards also reimburse you for the application fees for Global Entry ( $100 ) or TSA PreCheck ( $85 ) once every four or five years, and both cards also waive foreign fees .

A key caveat: These cards are built for regular travelers — so if you have a slow travel year with either card, the annual fee will be hard to recoup.

Chase Sapphire Reserve vs. American Express Platinum: Which has a lower APR?

The Chase Sapphire Reserve comes with an annual APR of 16.24% to 23.24% depending on your credit. Balance transfer rates are the same, but the cash advance APR is even higher: 25.24%. 

If there's any chance you won't be paying your card on time, these high APRs should make you run away — other cards offer much lower rates .

The American Express Platinum has no annual interest rate because it is a charge card , not a credit card: Charge cards have no credit limit, and the balance is due at the end of each month. 

But with the Platinum card, like other charge cards, if you do not pay in full each month, you incur a penalty in of  2.99% of your balance , which is a functionally a huge interest rate when annualized — it can end up being like 36% or worse , over a year.

Chase Sapphire Reserve vs. American Express Platinum: Which has better perks?

When it comes to perks, it's a bit of a draw between the AmEx and Chase cards.

On one hand, the AmEx Platinum card offers Hilton HHonors Gold Status, with benefits at Hilton Hotels and bonus point offers. Members can also upgrade to Gold status in the Starwood Preferred Guest program without any stay requirements. 

While traveling, Platinum cardholders get access to more than 900 airport lounges, including the Centurion Lounges in several major airports. Members also earn enrollment in  Priority Pass Select , which confers entry to 950 airport lounges around the world. 

In addition, there are upgrades and benefits for AmEx holders lodging at hotels booked through Platinum Card Travel Service or the American Express  Hotel Collection .

As for the Chase Sapphire Reserve, a huge perk is that points redeemed for travel booked through Chase Ultimate Rewards are worth 50% more than if redeemed for cash. 

When you redeem your Chase Sapphire Reserve Card points for cash, each point is worth  1 cent . If you have 100 points, you'll get $1 in redemption value. But each point you redeem for travel booked through the card is worth 1 1/2 cents. Now your 100 points will get you $1.50 in redemption value. 

For example, 100,000 points are worth $1,500 toward travel, or $1,000 when redeemed for cash. 

While traveling you have access to the more than 900 airport lounges world wide with a Priority Pass Select membership.

Chase Sapphire Reserve vs. American Express Platinum: Which is better overall?

Both cards have a high bar to entry and a steep fee to pay: $450 a year is no joke. But frequent travelers will make their money back and then reap rewards on both cards.

One big question to consider is whether you want a true credit card or prefer a charge card — and the benefits it confers on your credit. Charge cards like the American Express Platinum offer a way to improve your credit score without the potential downside of raising your utilization score . In other words, they are arguably better for improving your credit — as long as you use them responsibly and don't end up triggering that 2.99% penalty.

Stepping back: The American Express Platinum is an elite card with clear and specific rewards — you know what you're going to get. But, relatively speaking, the rewards are limited to particular partners. Plus, there's the pesky problem that AmEx cards are not as widely accepted as Visa or MasterCard. 

So, if you're in it for the rewards, the Chase card is probably the way to go.

The points go further, you get more of them and the perks offered by the Chase Sapphire Reserve are more open-ended and flexible.

October 11, 2016, 12:40 p.m.: This story has been updated.

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Chase Sapphire Reserve Killer? U.S. Bank Altitude Reserve Visa Infinite Credit Card Rumors

Disclaimer: This post was written based on speculation from a blogger with reliable sources. None of these details have been confirmed by U.S. Bank. h/t Travel After Work.

Visa sapphire reserve

U.S. Bank Altitude Reserve Visa Infinite Card

U.S. Bank is planning to roll out a competitor to the Chase Sapphire Reserve, the U.S. Bank Altitude Reserve Visa Infinite Card.

The card is suppose to be announced on May 1, and people are speculating you have to be an existing U.S. Bank customer to be approved for the card.

If you don’t have an existing relationship with U.S. Bank, a good way to mitigate this would be to open a U.S. Bank credit card, checking, or savings account now. Accounts must be open for at least 35 days to qualify.

Like every other premium credit card, the new card will be metal. There are so many metal cards on the market these days like the Amazon Prime card, Chase Sapphire Preferred, and Ritz-Carlton. The material of a card should not be a main point of consideration.

The annual fee is $400, not waived the first year. It’s an interesting number because it sits right below the Chase Sapphire Reserve’s $450 annual fee. Similar to the CSR, each authorized user/additional card will be $75 annually.

Earn 50,000 points after spending $4,5000 on qualifying purchases within the first 3 months. The sign up bonus is worth $750 in travel.

The $4,500 minimum spend requirement sits right below the Reserve’s minimum spend of $5,000 within the first 3 months.

Return on spend: 16.7% ($750 in travel for $4,500 in spend)

A $325 travel credit will be applied each calendar year. The travel credit is expected to be comparable to the CSR’s flexibility in spend.

Again, it seems like U.S. Bank is trying to one-up the CSR by offering $25 more than their $300 travel credit.

Return of spend w/ travel credit: $400 Annual fee + $325 x 2 travel credits + $750 sign up bonus = 22%

Like most premium credit cards, the U.S. Bank Altitude Reserve comes with a $100 credit to apply towards Global Entry or TSA Precheck.

There are no foreign transaction fees, which makes the Altitude a good travel card.

Earn 3x on travel purchases including airfare, hotels, and transportation. Points are worth 1.5 cents per point when you redeem for travel, so you’re getting 4.5% return on spend. This is the same redemption rate as the CSR.

Unlike the CSR, you won’t be able to transfer the points out to partners, meaning you’re capped off at the 1.5 cents per point valuation.

The perk that makes this card a game changer is you get 3x back on mobile wallet purchases. Mobile wallets include Apple Pay, Android Pay, and Samsung Pay. If you redeem these points for travel, you’re effectively getting 4.5% back every time you pay with mobile.

We’re speculating this is the first perk that will be removed first because it sounds too good to be true and tons of people will take advantage of this.

Most people are speculating trip delay insurance will kick in after 6 hours, which is comparable to the CSR. If your trip is delayed, then you get $500 for lodging and dining.

For comparison, most card offer this perk after 12 hours. The only other card with a better trip delay protection is the Citi Prestige at 3 hours.

Unlike the other premium cards, visits to the Priority Pass airport lounges are not unlimited. You only get 4 free visits with one guest, afterwards, it’s not free.

This is one of the only perks that pales in comparison to the CSR.

At a glance, if the rumors are accurate, the U.S. Bank Altitude Reserve card seems worthwhile. It’s interesting how they’re trying to compete with the CSR in most of the categories.

The card is a no brainer, especially for Year 1, assuming you travel and you can hit minimum spend. They’re basically paying you to have the card.

You’re getting 2 travel credits in year 1, 325 + 325 + $750 sign up bonus = $1400 in benefit minus the $400 annual fee, meaning you’re getting $1k in value just by getting the card.

This is before considering the 3x back on mobile payments.

If you want to be one of the first people to get the card, you can apply on May 2 at a local branch or online. They’ll probably run out of metal cards like Amex and Chase, so it’s something to consider.

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