
Explore the unforgettable with 60,000 bonus points
After you spend $4,000 on purchases in the first 3 months from account opening.* Opens offer details modal
This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.
Go even further with Sapphire Reserve
Click benefits for more.
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$1000 in additional partner value opens overlay * Opens offer details modal
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same page link to Access 1,300+ airport
lounges* Opens offer details modal
Get more wherever you go












Turn every moment
into an experience
Same page link returns to footnote reference^ Travel and Purchase Protection: These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. For full coverage details, cardmembers can refer to their Guide to Benefits, provided after account opening, or call the number on the back of their card for assistance.
Same page link returns to footnote reference^^ Specific limitations apply to New York residents: Auto Rental Coverage - inside the United States coverage is secondary to your personal automobile insurance. Lost Luggage Reimbursement - additionally limited to $2,000 per bag and $10,000 for all covered travelers per trip.
Enhanced benefits for the way you shop and travel
Chase Ultimate Rewards
Redeem your points for travel, experiences, gift cards, cash back and more through our premier rewards program.
50% more value
Get 50% more value when you redeem your points for travel through Chase Travel. For example, 60,000 bonus points are worth $900 towards travel.* Opens offer details modal
1:1 point transfer to leading airline and hotel loyalty programs
Travel programs include: Aer Lingus AerClub, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards®, Flying Blue AIRFRANCE KLM, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards®, United MileagePlus, Virgin Atlantic Flying Club, IHG® Rewards Club, Marriott Bonvoy™, and World of Hyatt®.
Turn points into Apple® products* Opens offer details modal
Use your points to pay for all or part of your Apple purchases.
Redeem for gift cards
Choose from a selection of over 150 gift cards from some of your favorite retailers and more.
Pay with points
Use your points to pay for all or part of your eligible purchase at Amazon.com or when you check out with PayPal.* Opens offer details modal
Ultimate Rewards points do not expire
Ultimate Rewards points do not expire as long as the account is open.
Auto Rental Coverage
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad.Same page link to footnote reference^ , Same page link to footnote reference^^
Trip Cancellation and Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.Same page link to footnote reference^
Trip Delay Reimbursement
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.Same page link to footnote reference^
Travel Accident Insurance
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $1,000,000 in accidental death or dismemberment coverage.Same page link to footnote reference^
Travel and Emergency Assistance Services
If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)Same page link to footnote reference^
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.Same page link to footnote reference^ , Same page link to footnote reference^^
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.Same page link to footnote reference^
Emergency Evacuation and Transportation
If you or a covered traveler are injured or become sick during a trip 100 miles or more from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.Same page link to footnote reference^
Roadside Assistance
If you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith or gas. You're covered up to $50 per incident 4 times a year.Same page link to footnote reference^
Emergency Medical and Dental
If you or an immediate family member become sick or injured while you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses, subject to a $50 deductible.Same page link to footnote reference^
Same page link returns to footnote reference^ Travel and Purchase Protection: These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. For full coverage details, cardmembers can refer to their Guide to Benefits, provided after account opening, or call the number on the back of their card for assistance.
Same page link returns to footnote reference^^ Specific limitations apply to New York residents: Auto Rental Coverage - inside the United States coverage is secondary to your personal automobile insurance. Lost Luggage Reimbursement - additionally limited to $2,000 per bag and $10,000 for all covered travelers per trip.
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.Same page link to footnote reference^ , Same page link to footnote reference^^
Return Protection
You can be reimbursed for eligible items that the store won't accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.Same page link to footnote reference^
Chip-Enabled for Enhanced Security
You’ll carry a credit card with an embedded chip that provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.Same page link to footnote reference^
24/7 Fraud Monitoring
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.* Opens offer details modal
Zero Liability Protection
You won’t be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card.* Opens offer details modal
Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.Same page link to footnote reference^
Same page link returns to footnote reference^ Travel and Purchase Protection: These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. For full coverage details, cardmembers can refer to their Guide to Benefits, provided after account opening, or call the number on the back of their card for assistance.
Same page link returns to footnote reference^^ Specific limitations apply to New York residents: Purchase Protection - coverage period is 90 days from the date of purchase.
What are Ultimate Rewards points and how much is each point worth? Is there a limit to the amount of points I can earn?
'Ultimate Rewards points' are rewards you earn for purchases of products and services, minus returns or refunds, made with your Sapphire credit card. You can redeem your points for cash back, gift cards, experiences and more through Chase's Ultimate Rewards portal found on your account dashboard. You can also redeem your points for travel through the Chase Travel portal. There is no limit to the number of points you can earn, and your Ultimate Rewards points won't expire as long as your account remains open.
Will I be approved for a Sapphire card if I already have a Sapphire Preferred or Reserve card?
No. Cardmembers are eligible for only one Chase Sapphire credit card at a time. If you apply for a Sapphire card and you already have a Sapphire Reserve or Preferred card, your credit card application will be declined. Your application will also be declined if you received a welcome bonus for either card in the last 48 months. You will be eligible to change your card after your first 12 months from account opening. If you need a second Sapphire card for a family member, you are welcome to add them as an authorized user to your existing Sapphire account at no additional cost for Sapphire Preferred or a $75 annual fee per authorized user for Sapphire Reserve.†Pricing & terms opens in new window
What is The EditSM?
The EditSM is a network of more than 1,000 of the world's finest hotels, resorts and spas. When you book through the program and use your Chase Card to purchase your stay, you enjoy complimentary guest privileges including daily breakfast for two, a room upgrade (when available at select properties), early check-in and late check-out (when available at select properties) and a special amenity unique to each property worth up to $100 such as lunch or dinner for two, a spa treatment, golf green fee waivers, welcome gift, or airport transfers.
What privileges do authorized users get when they are added to my card?
Authorized users share the same level of purchase protections and travel protections that you have for purchases made with their Sapphire card. The rewards points earned from their purchases will add towards your rewards points total. Only the primary account holder can redeem Ultimate Rewards points earned across both cards. Lastly, each authorized user on Sapphire Reserve can have access to their own Priority Pass card.
How are the Sapphire Lounge by The Club locations different from a standard Priority Pass™ Lounge?
Priority Pass™ is a network of independent lounge providers with over 1,300 lounges worldwide, while Sapphire Lounge by The Club is Sapphire’s proprietary lounge network specially designed for Sapphire Reserve cardmembers. Sapphire Lounges offer complimentary locally inspired menus including made-to-order options, a curated selection of beverages, and more all in an atmosphere to remember. Each lounge features thoughtfully crafted spaces and amenities designed to reflect the character and energy of its host city. Learn more about Sapphire Lounge by The Club at chase.com/sapphireairportlounge Opens in new window. You must enroll in your complimentary Priority Pass membership through your Sapphire Reserve card and show a valid boarding pass within three hours of your flight to gain access to Sapphire Lounge by The Club locations.

Explore the unforgettable with 60,000 bonus points
After you spend $4,000 on purchases in the first 3 months from account opening.* Opens offer details modal
This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.