Quick Stats
Annual Fee
$795
Signup Bonus
125,000 pts
Spend Requirement
$6,000 in 3mo
Foreign Transaction Fee
None
Credit Score
good
Currency
UR
Earning Rates
Worth 1¢ per point when booking through Chase's travel portal
Transfer Partners
Chase Ultimate Rewards
Airlines
United MileagePlus
1:1
instant
Southwest Rapid Rewards
1:1
instant
British Airways Avios
1:1
instant
Air Canada Aeroplan
1:1
instant
Singapore KrisFlyer
1:1
12-24 hours
Emirates Skywards
1:1
instant
Air France/KLM Flying Blue
1:1
instant
Iberia Avios
1:1
instant
Virgin Atlantic Flying Club
1:1
instant
JetBlue TrueBlue
1:1
instant
Hotels
World of Hyatt
1:1
instant
IHG One Rewards
1:1
instant
Marriott Bonvoy
1:1
1-2 days
Perks & Benefits
travel
Priority Pass Lounge Access
Unlimited access to 1,500+ airport lounges worldwide for you and 2 guests.
Global Entry / TSA PreCheck / NEXUS Credit
Up to $120 statement credit for Global Entry ($120), TSA PreCheck ($85), or NEXUS application fee.
Chase Travel 8x Boost
Earn 8x total points on flights, hotels, and car rentals booked through Chase Travel portal.
insurance
Trip Delay Insurance
Up to $500 per ticket for reasonable expenses when your trip is delayed 6+ hours. Covers meals, lodging, and toiletries.
Trip Cancellation/Interruption Insurance
Up to $10,000 per person and $20,000 per trip for prepaid, non-refundable travel expenses.
Primary Rental Car Insurance
Primary auto rental collision damage waiver. Decline the rental company's CDW and save $15-30/day.
financial
Points Boost (2cpp Redemptions)
Redeem points at 2 cents per point on select flights and hotels through Chase Travel.
dining
Complimentary DashPass
Free DashPass membership ($9.99/mo value) with unlimited $0 delivery fees on eligible orders.
status
IHG One Rewards Platinum Elite Status
Complimentary IHG Platinum Elite: 60% bonus points, room upgrades, welcome amenity, late checkout.
Statement Credits
Travel Credit
Any travel purchase
Automatically applied to travel purchases.
$300
annual
Lyft Credit
Lyft
Monthly cap of $10/mo. Use it or lose it each month.
$10
monthly
StubHub Credit
StubHub
Applied automatically to StubHub purchases.
$300
annual
Peloton Credit
Peloton
Covers Peloton membership. Annual credit. Through 12/31/2027.
$120
annual
The Edit Hotel Credit
The Edit by Chase Travel
Must book through The Edit collection on Chase Travel.
$500
annual
Chase Travel Hotels Credit
Chase Travel Hotels
Select Chase Travel hotel bookings. Through 12/31/2026.
$250
annual
Sapphire Reserve Tables Dining Credit
Sapphire Reserve Exclusive Tables via OpenTable
$150 per half-year. Must book through Sapphire Reserve Exclusive Tables.
$150
semi annual
DoorDash Credits
DoorDash
$25/mo in DoorDash credits, separate from DashPass membership.
$25
monthly
The Verdict
The premium travel card that actually pays for itself — if you use the credits.
The CSR is the best premium travel card for people who actually travel. The $795 fee sounds intimidating, but between $3,000+ in credits (travel, dining, hotels, DoorDash, entertainment), lounge access, and Points Boost redemptions, most frequent travelers come out well ahead. The 4x on direct flights and hotels is best-in-class for a Visa. Pair it with a Freedom Unlimited for everyday spending and you have a top-tier setup. If you travel fewer than 5 times a year, the Sapphire Preferred is the smarter pick.
Pros
- 8x via Chase Travel, 4x direct flights & hotels, and Points Boost at 2cpp make this the strongest travel earning card
- Over $3,000 in annual credits (travel, dining, hotels, DoorDash, StubHub, entertainment) can dwarf the fee
- Priority Pass lounge access for you and 2 guests eliminates airport food spending
- $300 travel credit applies automatically with zero effort
- Primary rental car insurance saves $15-30/day on every rental
- Transfer partners (Hyatt, United, Southwest) unlock outsized redemption value
Cons
- $795 annual fee is steep — you need to actively use credits to come out ahead
- Earning rates outside travel and dining are a flat 1x, which is mediocre for everyday spending
- Many credits are niche (StubHub, Peloton) or have expiration dates — value is only real if you'd spend there anyway
- Chase One Sapphire rule means you can't hold this and the Sapphire Preferred simultaneously
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