Travel rewards card
Many customers get strong value from the travel credit, lounges, insurance, points boost and transfer partners, often more than the annual fee.
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 44 reviews mentioning helpful support Show all
Reddit · r/ChaseSapphire · May 13, 2026
PositiveSummary of a Reddit post
They filed a trip-delay claim after a weather cancellation and Chase reimbursed the hotel, meals and rides within about a week, reinforcing the card value for a frequent traveler.
Reddit · r/ChaseSapphire · Oct 25, 2025
MixedSummary of a Reddit comment
Transferred Freedom points to the Sapphire Reserve and they showed at the lower rate; customer service said they qualified for 1.5x and opened a ticket.
Reddit · r/ChaseSapphire · Mar 25, 2026
PositiveSummary of a Reddit comment
Got reimbursed under the trip delay coverage after a two-night weather delay.
Reddit · r/ChaseSapphire · Jan 23, 2026
PositiveSummary of a Reddit comment
Got a $400 retention offer after calling back to reach a second rep.
Reddit · r/ChaseSapphire · Dec 21, 2025
PositiveSummary of a Reddit comment
Chase offered to keep their old Sapphire Reserve fee for another year when they called to downgrade.
Reddit · r/ChaseSapphire · Dec 21, 2025
PositiveSummary of a Reddit comment
Called a week before renewal and received a $400 retention offer on their Sapphire Reserve.
Reddit · r/ChaseSapphire · Dec 11, 2025
PositiveSummary of a Reddit comment
A helpful agent got their dining credit issued as a one-time exception.
Reddit · r/ChaseSapphire · Nov 27, 2025
PositiveSummary of a Reddit comment
Chase came through on several chargebacks, so they feel more protected than with a debit card.
Reddit · r/ChaseSapphire · Nov 13, 2025
PositiveSummary of a Reddit comment
Chase Travel got a hotel to cancel a same-day booking after a flight delay.
Reddit · r/ChaseSapphire · Jun 9, 2025
MixedSummary of a Reddit comment
Got a retention credit on the Sapphire Reserve two years ago, but no offer the following year.
Reddit · r/ChaseSapphire · Jan 18, 2025
PositiveSummary of a Reddit comment
When a flight was delayed 36 hours, a Chase agent got the hotel to cancel their non-refundable booking without penalty.
Reddit · r/ChaseSapphire · Dec 25, 2024
PositiveSummary of a Reddit comment
Chase refunded their annual fees under the military benefit, and they get the benefits on all three of their cards.
Reddit · r/personalfinance · Oct 25, 2026
PositiveSummary of a Reddit comment
A rental-car mirror damage claim was refunded without issue.
Reddit · r/CreditCards · Apr 30, 2026
PositiveSummary of a Reddit comment
Called days after approval and Chase added a note so they would get the higher Sapphire Reserve bonus.
Reddit · r/ChaseSapphire · Apr 19, 2026
PositiveSummary of a Reddit comment
Product change to the Preferred was seamless with a partial fee refund.
Reddit · r/ChaseSapphire · Mar 3, 2026
PositiveSummary of a Reddit comment
Chase reimbursed medicine bought during a delay in under 24 hours, even without a receipt.
Reddit · r/ChaseSapphire · Dec 21, 2025
PositiveSummary of a Reddit comment
Received a $400 retention offer on their Sapphire Reserve after explaining their unhappiness with the changes.
Reddit · r/ChaseSapphire · Dec 21, 2025
MixedSummary of a Reddit comment
A holder since 2017 who was offered only a $100 retention credit, and took it.
Reddit · r/ChaseSapphire · Nov 3, 2025
MixedSummary of a Reddit comment
A Chase rep had to push their stuck travel insurance claim through.
Reddit · r/ChaseSapphire · Oct 5, 2025
PositiveSummary of a Reddit comment
A rental car claim was easy, fast and covered as primary.
Reddit · r/ChaseSapphire · Oct 2, 2025
PositiveSummary of a Reddit comment
Chase told them exactly what was needed and the delay claim was approved within days.
Reddit · r/ChaseSapphire · Sep 8, 2026
PositiveSummary of a Reddit comment
Chase immediately credited a disputed hotel damage charge after one quick call.
Reddit · r/ChaseSapphire · Jul 2, 2026
PositiveSummary of a Reddit comment
Loves the card; dining, StubHub, Priority Pass and Global Entry used, and the concierge reversed odd charges.
Reddit · r/ChaseSapphire · Mar 3, 2026
PositiveSummary of a Reddit comment
Downgrading the Reserve after the fee posted got a full refund within one business day.
Reddit · r/ChaseSapphire · Dec 22, 2025
PositiveSummary of a Reddit comment
Received a $200 Sapphire Reserve retention offer.
Reddit · r/ChaseSapphire · Dec 21, 2025
PositiveSummary of a Reddit post
Called Chase after the higher fee posted and was immediately offered a $400 retention credit with no spend requirement.
Reddit · r/ChaseSapphire · Nov 22, 2025
PositiveSummary of a Reddit comment
Chase gave a statement credit when they asked for a retention offer.
Reddit · r/ChaseSapphire · Oct 2, 2025
PositiveSummary of a Reddit comment
Trip insurance reimbursed a whole cruise after a death in the family.
Reddit · r/ChaseSapphire · Aug 14, 2025
PositiveSummary of a Reddit comment
Chase handled a Hawaii rental-car accident flawlessly.
Reddit · r/ChaseSapphire · Jul 18, 2025
PositiveSummary of a Reddit comment
Called to cancel the Sapphire Reserve and was offered a retention credit to stay another year.
Reddit · r/ChaseSapphire · Mar 19, 2025
PositiveSummary of a Reddit comment
When WOW Air collapsed, a Sapphire Reserve rep refunded their rebooked flights almost immediately.
Reddit · r/ChaseSapphire · Jan 20, 2025
PositiveSummary of a Reddit comment
Chase Sapphire support on Twitter resolved a booking issue for them.
Reddit · r/ChaseSapphire · Jan 11, 2025
PositiveSummary of a Reddit comment
Called Chase and received a statement credit to keep the Sapphire Reserve.
Reddit · r/ChaseSapphire · Jul 26, 2024
PositiveSummary of a Reddit comment
Keeping the Sapphire Reserve for its protections and benefits that are free after credits.
Reddit · r/ChaseSapphire · Jul 23, 2024
PositiveSummary of a Reddit comment
Called about the lost restaurant benefit and Chase gave them a retention credit.
Reddit · r/personalfinance · Jul 26, 2022
PositiveSummary of a Reddit comment
Successfully charged back an unsafe VRBO rental on their Sapphire Reserve.
Reddit · r/churning · Aug 8, 2017
PositiveSummary of a Reddit comment
Found the Chase portal easy and support helpful in booking a hotel with partial points, and kept the Sapphire Reserve over the Amex Platinum.
Reddit · r/ChaseSapphire · Aug 19, 2024
MixedSummary of a Reddit comment
Was waitlisted at a lounge once, but after calling Chase a supervisor got them in within five minutes.
Reddit · r/churning · Jul 15, 2018
PositiveSummary of a Reddit comment
Finds Sapphire Reserve customer service quick and helpful, with a person answering right away.
Reddit · r/churning · Feb 14, 2017
PositiveSummary of a Reddit comment
Filed an online claim for a damaged phone through their Sapphire Reserve's protection and got reimbursed without talking to anyone.
Reddit · r/ChaseSapphire · May 23, 2024
PositiveSummary of a Reddit comment
Chase honored a higher sign-up bonus on request via secure message.
Reddit · r/personalfinance · Jul 27, 2022
PositiveSummary of a Reddit comment
Chase covered lost-bag costs, rental car damage and a cancelled tour without hassle.
Reddit · r/personalfinance · Jul 27, 2022
PositiveSummary of a Reddit comment
Their experience with Sapphire Reserve support has been much better.
Reddit · r/churning · Jan 9, 2017
PositiveSummary of a Reddit comment
After fraudulent charges appeared on their Sapphire Reserve, Chase refunded the money as soon as they flagged it.
Many customers get strong value from the travel credit, lounges, insurance, points boost and transfer partners, often more than the annual fee. The most common complaints are credits that are hard to use (DoorDash, The Edit, StubHub), poor support when portal bookings go wrong, crowded lounges, and a higher fee after the refresh.
Of the 1,319 reviews with a clear verdict, 53% are positive, 12% mixed and 34% negative. The praise mentioned most is great rewards. The most common complaint is hard to redeem.
The praise reviewers mention most: great rewards (253 reviews), great travel perks (210 reviews) and easy to use (34 reviews). For example: Frequent work traveler uses the credits on things bought anyway and redeems points for family holiday flights.
The complaints reviewers mention most: hard to redeem (149 reviews), poor support (114 reviews) and rate dropped (33 reviews). For example: In Europe, spent hours looking for reasonable Edit stays and gave up; calls the card a massive disappointment.
It's how well reviewed Chase Sapphire Reserve is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Travel rewards card. Type: Premium travel rewards credit card. Fees: $795 annual fee. Rates & rewards: 8x points on Chase Travel, 4x on flights and hotels booked direct, 3x on dining.
1,319 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.