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Primarily designed for travelers, the Chase Sapphire Reserve® includes a copious amount of benefits: travel insurance, statement credits toward travel and generous earning rates toward flights, hotels, rental cars and more. But of all the benefits, the airport lounge access stands out as particularly valuable. For frequent travelers, this one can pay off in spades.
The complimentary snacks and drinks not only save you money but can also be a huge time-saver. The Wi-Fi doesn’t come with time limits or commercials, and bathrooms rarely have waits. And, even at their most crowded, lounges tend to be quieter and offer more comfortable seating than the terminal itself. When they’re not crowded, some can feel downright indulgent.
Once you’ve gotten used to airport lounge access, it’s hard to go back. Thankfully, with the Sapphire Reserve, you can enjoy unlimited lounge access at partnering clubs, lounges and other airport facilities—all at no additional cost outside the card’s $550 annual fee.
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Chase Sapphire Reserve®
On Chase Bank USA, NA's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 10x Reward Rate
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel throughRead More
Welcome Bonus
60,000 bonus points
Annual Fee
$550
Regular APR
22.49%-29.49% Variable
Credit Score
Excellent(750 - 850)
Editorial Review
This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel through Chase Travel℠ nets you a 50% bonus.
Pros & Cons
- $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase Travel℠
- Points transfer to valuable airline and hotel partners
- High annual fee
- Additional fee for each authorized user
- Excellent credit recommended
Card Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
- $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Does the Chase Sapphire Reserve Offer Lounge Access?
Yes, the Chase Sapphire Reserve® offers airport lounge access to all cardholders via a Priority Pass Select membership. You’ll need to activate your Priority Pass membership before using it, which is an easy, one-time requirement.
With your Priority Pass membership, you’ll have unlimited access to Priority Pass lounges and can bring up to two guests traveling with you. Authorized users will also have Priority Pass lounge access, even if they’re not traveling with the primary cardholder.
Although several credit cards include lounge access, the Sapphire Reserve has one of the most inclusive memberships, thanks to its extension of entry to guests and authorized users.
Priority Pass
Priority Pass is the most common airport lounge membership offered by credit cards, and a Priority Pass Select membership is one of the Sapphire Reserve’s most valuable benefits. Purchased separately, a Priority Pass membership with unlimited visits costs $469 per year and doesn’t include any guest visits, making the Select membership included on the Sapphire Reserve a better option.
Priority Pass Lounge Locations
The Priority Pass network has over 1,500 locations worldwide, covering most major airports. You can search for specific locations at prioritypass.com or use the Priority Pass app to find out which lounges participate. You can also research hours, amenities and specific gate locations.
Most Priority Pass locations are traditional airport lounges, which typically include comfortable seating areas, complimentary Wi-Fi and select food and beverages. Some locations may also have showers, printers and other benefits that make life easier while you’re traveling. In some cases, you may also have complimentary access to airport spa services or sleep pods via Priority Pass.
Chase Sapphire Lounge by The Club
Like other card issuers, such as American Express and Capital One, Chase has its own lounge network. Known as Chase Sapphire Lounge by The Club, the network currently has four open locations and four more slated to open soon.
Current Locations
- Boston (BOS)
- New York (JFK and LGA)
- Hong Kong (HKG)
Upcoming Locations
- Los Angeles (LAX)
- Las Vegas (LAS)
- Philadelphia (PHL)
- Phoenix (PHX)
- San Diego (SAN)
The lounges are co-branded with The Club (which has several Priority Pass locations already) and operated by Airport Dimensions. Unlimited access to these lounges is exclusively available to Chase Sapphire Reserve cardholders and authorized users.
Can I Access Chase Lounges Without a Chase card?
Yes, you can access Chase Sapphire Lounges without a Chase card. Those who hold separate Priority Pass memberships receive one complimentary visit to a Sapphire Lounge by The Club per calendar year (except for the Hong Kong location, which offers unlimited access to those with a Priority Pass membership).
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How To Use Chase Sapphire Reserve Lounge Access
After you’ve activated your Priority Pass membership, you should receive a physical card in the mail. Upon arrival at participating airport lounges, you’ll need to present this membership card or an eligible payment card. You may also need to show a same-day boarding pass.
Most locations will also accept your digital membership card in lieu of the physical card. To use a digital card, you must download the Priority Pass app and link it to your membership account. Then, the lounge can register your visit using the QR code in your app instead of swiping a physical card. Not all locations are set up for this yet, so inquire in advance—especially at airport salons where you’re otherwise billed at the end of service.
Be aware that most lounges will require a signature upon entry, but there is no charge for the Chase Sapphire Reserve® card member and up to two guests per visit. Additional guest access may be purchased for $27 per person.
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Bottom Line
Airport lounges offer a respite for travelers before or between flights, and with the Chase Sapphire Reserve®, airport lounge access is free and easy. Its Priority Pass membership already covers hundreds of airports worldwide, and the introduction of new locations of Chase Sapphire Lounges will bring even more options to cardholders.
