Learn How to Apply for a Chase Sapphire Reserve Card

What do You Need to Know Before Applying for the Chase Sapphire Reserve Card?

The Chase Sapphire Reserve is a credit card that offers a bonus for new members of 60,000 points and different levels of cashback!

Chase is focused precisely on benefits for travelers, and you receive 5 times the total points on flights and 10 times the points on hotels and rentals purchased through Chase Travel, right after spending the annual $300 on travel.

Additionally, you receive 3 times points on dining, delivery services, and even 10 times points on purchases with Chase Dining, plus 50% when redeeming travel through Chase.

The introductory bonus grants 60,000 points after spending $4,000 on purchases in the first 3 months from account opening, which is equivalent to about $900 to spend on travel through Chase Travel.

In terms of costs, there is an annual membership fee of $500 and $75 for each authorized user. There are no foreign transaction fees.

Travel benefits include complimentary access to over 1,300 airport VIP lounges with up to two guests, as well as a $100 statement credit every four years as a sort of reimbursement.

To make travel even more comfortable, the card features trip cancellation or interruption insurance of up to $10,000 per person and trip delay reimbursement above 6 hours, up to $500 per ticket.

There are other insurances such as travel accident insurance, a collision damage waiver for car rentals, travel and emergency assistance services.

Who can Apply?

Applying for this credit card requires meeting specific eligibility criteria. Initially, applicants must meet certain legal requirements, including being of legal age and residing in the United States.

This entails being at least 18 years old (or 19 to 21 in certain states) and possessing a valid Social Security number. For non-US citizens, presenting a passport with a work visa is necessary.

Two key factors are essential for the card: credit history and income. Applicants must have an outstanding credit score and demonstrate significant verifiable income, given the premium nature of this card.

Meeting these qualifying criteria ensures that applicants not only fulfill legal and residency prerequisites but also showcase ample financial stability, as evidenced by a strong credit history.

How do I Apply for the Chase Sapphire Reserve Card?

The process of applying for the Chase credit card can be conveniently done online through the official website, which provides a thorough application form.

It’s noteworthy that this card is available to both current Chase Bank customers and individuals who are not yet affiliated with the bank.

Existing account holders benefit from a streamlined application process with a shorter form, while newcomers to Chase are required to fill out the complete form.

This includes providing personal details such as full name, date of birth, complete address, and Social Security number.

Additionally, applicants are asked to provide further banking and financial information, including employment status, total annual income, and an overview of their spending habits.

Alongside the online form, Chase Bank offers various customer support channels to assist applicants throughout the process.

In cases of application rejection, customers are advised to review all relevant factors, particularly their credit history, before considering reapplication.

More Details

Firstly, you don’t need to wait for the physical card to arrive at home, as you can start using the digital version directly through your device’s wallets.

The 1:1 point transfer system allows you to transfer Chase points to other loyalty programs.

It’s worth noting that Ultimate Rewards points do not expire, and you can redeem them at any time as long as the account is open.

Additionally, you have other benefits such as purchase protection of up to $50,000 per year, return protection for eligible items, and 24/7 fraud monitoring, along with zero liability protection for unauthorized purchases.

Want to learn another option?

The Chase Freedom Unlimited is a card with lower costs yet still offering an efficient cashback of 1.5% on all eligible purchases.

The conditions are quite similar but may differ in terms of income, and you can see how to apply.

Written by

Gabriel Gonçalves