What is the best credit card now
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If you’re looking for a top‑tier credit card right now, the Chase Sapphire Reserve is highlighted in the provided sources as a leading option.
Why Chase Sapphire Reserve Stands Out
- The card provides a record‑breaking 150,000‑point initial bonus after spending $6,000 in the first three months.
- It carries a $795 annual fee but includes a $300 annual travel credit that can be applied to a wide range of expenses such as airfare, hotels, rental cars, rideshares, and cruises.
- Cardholders receive a $300 dining credit split into two $150 statement credits each six months for eligible restaurants in the Sapphire Reserve Exclusive Tables program.
- Additional monthly credits include a DoorDash DashPass, $5 restaurant credit, $10 non‑restaurant credit, $10 Lyft credit, $10 Peloton credit, and complimentary Apple TV+ and Apple Music subscriptions.
- The card offers extensive travel protections, including primary rental‑car collision coverage, purchase protection, extended warranty, lost‑luggage assistance, and trip‑delay and cancellation coverage.
- Earn rates are strong: 8× points on purchases through Chase Travel, 5× on Lyft (through 9/30/27), 4× on flights and hotels booked directly, 3× on dining, and 1× on all other purchases.
- Points can be transferred to a broad set of airline and hotel partners across Star Alliance, oneworld, SkyTeam, and non‑alliance programs, as well as used for travel bookings through Chase’s portal.
- Cardholders receive a Priority Pass Select membership granting access to over 1,300 airport lounges worldwide, plus Chase’s own Sapphire lounges in major U.S. airports.
- Spending $75,000 in a calendar year unlocks additional elite status benefits such as Southwest Rapid Rewards A‑List, IHG Rewards Diamond, World of Hyatt Explorer, a $500 Southwest travel credit, and a $250 Shops at Chase credit.
