Douglas Olsen
The Chase Sapphire Reserve card is a premium travel credit card that offers a host of benefits to its cardholders. From exclusive airport lounge access to travel and dining credits, the card promises to elevate your travel experience. With no foreign transaction fees, it's a card that can be used anywhere in the world. However, to get approved for the card, you'll need to meet certain requirements, including being at least 18 years old, having an excellent credit score of 750 or above, and earning enough income to afford the monthly bill payments. So, if you're an international student who meets these criteria and loves to travel, the Chase Sapphire Reserve card could be a great option for you.
| Characteristics | Values |
|---|---|
| Credit score required | 750 or better |
| Annual fee | $795 |
| Minimum age | 18 years |
| Annual dining credit | $300 |
| Annual travel credit | $300 |
| Priority Pass Select membership | Access to 1,300+ airport lounges |
| TSA PreCheck, Global Entry or NEXUS credit | Up to $120 |
| Annual credit for stays with The Edit | $500 |
| Annual credit for StubHub purchases | $300 |
| Credit for Apple TV+ and Apple Music subscriptions | $250 |
| Credit for Peloton membership | $120 |
| Credit for DoorDash DashPass membership | $120 |
| Credit for The Shops at Chase | $250 |
| Southwest Airlines Credit through Chase Travel | $500 |
| IHG One Rewards Diamond Elite Status | --- |
| IHG One Rewards Platinum Elite Status | --- |
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What You'll Learn
Chase Sapphire Reserve benefits
The Chase Sapphire Reserve card is a premium travel card with multiple luxury perks for frequent travellers. It offers a $300 annual travel credit, which is very flexible and automatically applies to the first $300 spent on travel with the card. It also provides access to over 1,300 airport lounges worldwide with a complimentary Priority Pass Select membership, plus every Chase Sapphire Lounge by The Club with two guests. The card offers a reimbursement of up to $120 for the application fee for TSA PreCheck, Global Entry or NEXUS once every four years.
Sapphire Reserve cardholders get exclusive access to a dedicated customer service team available seven days a week. Cardholders can spend anywhere in the world with no foreign transaction fees on one of the most widely accepted global networks. As long as there is availability, they can book flights or hotels through Chase Travel. They can also transfer their points to leading airline and hotel loyalty programs at a 1:1 value. That means 1,000 Chase Ultimate Rewards points are equal to 1,000 partner miles/points.
The card also comes with enhanced account and purchase protection. This includes sophisticated fraud monitoring, reimbursement for eligible items that the store won't accept within 90 days of purchase, and an extended warranty on eligible purchases. Cardholders can also decline the rental company's collision insurance and charge the entire rental cost to their card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the US and abroad. If a trip is cancelled or cut short by sickness, severe weather or other covered situations, cardholders can be reimbursed up to $10,000 per covered traveller and $20,000 per trip for their prepaid, non-refundable travel expenses.
The Chase Sapphire Reserve card also offers complimentary subscriptions to Apple TV+ and Apple Music through June 22, 2027, a value of $250 annually. Cardholders can also get up to $250 in statement credits from January through June and again from July through December for a maximum of $500 annually for prepaid bookings made with The Edit.
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Eligibility requirements
To be eligible for the Chase Sapphire Reserve credit card, you must meet the following requirements:
- Be at least 18 years old.
- Have a U.S. mailing address and an SSN or ITIN.
- Have an excellent credit score of 750 or above.
- Have sufficient income to afford monthly bill payments and cover credit card costs.
- Have no existing debts that would impede your ability to make timely payments.
It is important to note that meeting these minimum requirements does not guarantee approval for the Chase Sapphire Reserve credit card. Chase will consider your overall financial profile and may take up to 30 days to make a decision.
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Annual fees
The Chase Sapphire Reserve card is subject to a $795 annual fee. To be approved for the card, you must be 18 or over, have a US mailing address and SSN or ITIN, have an excellent credit score of 750 or above, and have sufficient income to cover credit card payments and other monthly bills.
The annual fee is offset by a range of benefits and credits, including:
- Up to $300 in annual travel credits
- Up to $250 in annual statement credits for purchases through The Shops at Chase
- Up to $300 in annual statement credits for StubHub and viagogo purchases
- Up to $250 in annual statement credits for Apple TV+ and Apple Music subscriptions
- Up to $120 in annual credits for Peloton membership
- Up to $120 every four years for TSA PreCheck, Global Entry or NEXUS reimbursement
- Up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables
The card also offers a $500 bonus after you spend $5,000 on purchases in the first three months from account opening.
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Rewards and bonuses
The Chase Sapphire Reserve card offers a wide range of rewards and bonuses. Here is a detailed overview:
Bonus Points and Credits
When you open your account, you can earn bonus points and credits. For example, you can earn 100,000 bonus points and a $500 Chase Travel credit after spending a certain amount within the first few months of opening your account. The Chase Sapphire Reserve card also offers the opportunity to earn bonus points on various purchases, such as 5x points on travel bookings through Chase Travel, 3x points on dining, and 1x points on all other purchases.
Travel Benefits
The card offers a range of travel benefits, including a $300 annual travel credit, which can be used for reimbursement for travel purchases charged to your card each account anniversary year. Additionally, cardholders can access over 1,300 airport lounges worldwide with a complimentary Priority Pass membership and exclusive access to Chase's Sapphire Lounges in select airports. The card also provides a reimbursement of up to $120 for TSA PreCheck, Global Entry, or NEXUS application fees once every four years.
Purchase Protection and Fraud Monitoring
The Chase Sapphire Reserve card provides enhanced account and purchase protection. It offers fraud monitoring, where the company will monitor for fraud 24/7 and notify you of any unusual purchases. The card also extends the manufacturer's warranty by an additional year on eligible warranties of three years or less, covering eligible new purchases for 120 days from the date of purchase.
Dining Credits and Perks
Cardholders can enjoy dining perks such as the "Sapphire Reserve Exclusive Tables" program, which offers access to reservations at popular restaurants. Additionally, the card provides up to $300 in annual dining credits in the form of two $150 credits for restaurants that are part of the Sapphire Reserve Exclusive Tables program.
Entertainment and Shopping Benefits
The Chase Sapphire Reserve card provides access to exclusive events and special perks in travel, dining, music, film, entertainment, and the arts. Cardholders can also enjoy shopping benefits, including a premium curated shopping experience with exclusive deals for Chase cardmembers.
Hotel Benefits
The card offers complimentary IHG One Rewards Platinum Elite Status until December 31, 2027, providing premium hotel benefits and comfort. Additionally, cardholders can build and book custom itineraries with a Reserve Travel Designer, unlocking hidden gems and new experiences around the world.
To maximize these rewards and bonuses, it's important to meet the minimum requirements for the Chase Sapphire Reserve card, including being at least 18 years old, having an excellent credit score of 750 or higher, and earning sufficient income to afford monthly bill payments.
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International student-specific criteria
International students applying for the Chase Sapphire Reserve card should be aware of the following criteria:
Firstly, applicants must be over the age of 18. This is a standard requirement for most credit cards, and you will need to provide proof of your date of birth during the application process.
Secondly, and most importantly, your credit score will be a significant factor in determining your eligibility for the Chase Sapphire Reserve card. The card is designed for individuals with excellent credit scores of 750 or higher. A good credit score indicates that you have a history of responsible borrowing and repayment, and it increases your chances of being approved for the card. You can check your credit score for free on WalletHub or use the online prequalification tool on Chase's website to gauge your approval odds.
Additionally, as an international student, you may need to provide a U.S. mailing address and a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). These requirements are standard for credit card applications in the United States.
Lastly, your annual income and existing debts will also influence your approval odds. Chase will evaluate your financial situation to determine if you have sufficient income to afford the monthly bill payments associated with the Chase Sapphire Reserve card. This evaluation includes considering your existing debts and ensuring that your income is enough to cover both your debts and the new credit card payments.
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Frequently asked questions
The Chase Sapphire Reserve card offers premium benefits such as travel credits, bonus points, lounge access, TSA PreCheck, Global Entry, and NEXUS reimbursement. Cardholders also get exclusive access to special events and perks at major events across travel, dining, music, film, entertainment, and arts.
To qualify for the Chase Sapphire Reserve card, you must be at least 18 years old, have a U.S. mailing address, an SSN or ITIN, an excellent credit score of 750 or above, and sufficient income to afford monthly bill payments.
To apply for the Chase Sapphire Reserve card as an international student, you need to meet the eligibility criteria mentioned above. Additionally, ensure that you have the necessary documentation, such as proof of identity, proof of address, and proof of income or funding. You can check your approval odds by using the online prequalification tool on Chase's website.
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