Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +5% on rotating categories up to $1,500/quarter when activated
• +3% on dining and drugstores with no annual cap
• +5X on Chase Travel portal purchases
• +$0 annual fee with Mastercard World Elite benefits
• +Transfer points 1:1 to travel partners with Sapphire card

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

Cons

• −Must activate quarterly categories or miss 5% bonus
• −$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
• −3% foreign transaction fee
• −Points worth only 1 cent without Sapphire card pairing
• −Welcome bonus lower than Sapphire cards

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +5% on rotating categories up to $1,500/quarter when activated
• +3% on dining and drugstores with no annual cap
• +5X on Chase Travel portal purchases
• +$0 annual fee with Mastercard World Elite benefits
• +Transfer points 1:1 to travel partners with Sapphire card

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

Cons

• −Must activate quarterly categories or miss 5% bonus
• −$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
• −3% foreign transaction fee
• −Points worth only 1 cent without Sapphire card pairing
• −Welcome bonus lower than Sapphire cards

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +5% on rotating categories up to $1,500/quarter when activated
• +3% on dining and drugstores with no annual cap
• +5X on Chase Travel portal purchases
• +$0 annual fee with Mastercard World Elite benefits
• +Transfer points 1:1 to travel partners with Sapphire card

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

Cons

• −Must activate quarterly categories or miss 5% bonus
• −$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
• −3% foreign transaction fee
• −Points worth only 1 cent without Sapphire card pairing
• −Welcome bonus lower than Sapphire cards

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer