Chase Sapphire Reserve
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DETAIL

This is one of the best credit cards to turn your travel into a real pleasure.

More details of this card:

Annual Percentage Rate (APR) for purchases: between 16.24% and 23.24%. This rate will vary with the market based on the prime rate.

APR for balance transfers: between 16.24% and 23.24% then vary with the market based on the prime rate.

APR for Cash Advances: 25.24%.

Overdraft Advance APR: 25.24%.

Minimum interest charge: $ 0.

Penalty rate: 29.24%

rates:

Annual fee: $ 450; each additional card: $ 75 per year.

Cash advance: $ 10 or 5% of the amount of each cash advance, whichever is greater.

Balance Transfer: $ 5 or 5% of the amount of each transfer, whichever is greater.

Foreign Transaction: 0%

PROS
  • 100,000 bonus points after spending $ 4,000 in purchases within the first 3 months of account opening. That represents $ 1500 on airfare, hotels, car rentals and cruises when redeeming through Chase Ultimate Rewards.
  • Each year, you automatically receive $ 300 for reimbursement of your travel purchases such as airline tickets and hotels charged to your card.
  • Earn 3 points for your trips and dinners at restaurants, airfare and hotels.
  • 1 point for each dollar spent on all other purchases.
  • Earn points with no limits and no expiration date.
  • Get 50% more value to redeem your points for travel through Chase Ultimate Rewards.
  • Your transactions abroad have no additional cost.
CONS
  • Late payments: up to $ 15 if the balance is less than $ 100; up to $ 27 if the balance is going from $ 100 to $ 250; and up to $ 37 if the balance is $ 250 or more.
  • returned payments: $ 37.
  • high annual fee.
BONUS

You will receive a credit of up to $ 100 every 4 years as reimbursement of the application fee charged to your card.