My 2024 Chase Sapphire Reserve Review: Best Credit Card Travel Insurance

<!DOCTYPE html> <html lang="en-US"> <head> <title>My 2024 Chase Sapphire Reserve Review: Best Credit Card Travel Insurance</title> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1" > <meta name="title" content="Why I recommend the Chase Sapphire Reserve to anyone who values adventure and luxury travel as much as I do" > <meta name="datePublished" content="2024-10-15T21:59:08Z" > <meta name="dateModified" content="2024-10-25T19:01:07Z" > <meta name="news_keywords" content="Personal Finance, Credit Cards" > <meta name="description" content="The Chase Sapphire Reserve offers an easy-to-use $300 travel credit each year, and comes with one of the best travel insurance policies I've ever had." > <meta property="author" content="Katherine Fan, Angela Fung" > <meta property="article:publisher" content="businessinsider" > <meta name="tbi-vertical" content="Personal Finance" > <meta property="og:title" content="Why I recommend the Chase Sapphire Reserve to anyone who values adventure and luxury travel as much as I do" > <meta property="og:description" content="The Chase Sapphire Reserve offers an easy-to-use $300 travel credit each year, and comes with one of the best travel insurance policies I've ever had." > <meta property="og:type" content="article" > <meta property="og:url" content="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" > <meta property="og:image" content="https://i.insider.com/670ee34da70318649282a65c?width=1200&format=jpeg"> <meta property="og:image:type" content="image/jpeg" /> <meta property="og:image:width" content="1200" /> <meta property="og:image:height" content="600" /> <meta name="twitter:card" content="summary_large_image" > <meta name="twitter:site" content="@BI_Strategy" > <meta name="should-hide-ads" value="true"> <meta name="robots" content="max-image-preview:large"/> <meta property="og:site_name" content="Business Insider" > <meta property="fb:pages" content="20446254070" > <meta name="apple-itunes-app" content="app-id=554260576" > <meta name="linkedin:owner" content="mid:1d5f7b" > <link rel="canonical" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" > <meta name="ii-ab-test:ctc" value="c" > <meta name="user-status" value="anonymous" > <meta name="viking-id" value="66a0056dc79d31931d82a64d" > <meta name="env" value="prod" > <meta name="am-api-token" content="XXS5UMXakHMr"> <meta name="am-tags:pfi-vertical" content="Credit Cards"> <meta property="mrf:sections" content="Personal Finance"> <meta property="mrf:tags" content="sub-section:Credit Cards;" > <meta property="mrf:tags" content="Page Type:story"> <link class="favicon-asset" rel="icon" sizes="192x192" href="/public/assets/BI/US/favicons/apple-touch-icon-192x192.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="180x180" href="/public/assets/BI/US/favicons/apple-touch-icon-180x180.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="152x152" href="/public/assets/BI/US/favicons/apple-touch-icon-152x152.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="144x144" href="/public/assets/BI/US/favicons/apple-touch-icon-144x144.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="120x120" href="/public/assets/BI/US/favicons/apple-touch-icon-120x120.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="114x114" href="/public/assets/BI/US/favicons/apple-touch-icon-114x114.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="76x76" href="/public/assets/BI/US/favicons/apple-touch-icon-76x76.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="72x72" href="/public/assets/BI/US/favicons/apple-touch-icon-72x72.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" href="/public/assets/BI/US/favicons/apple-touch-icon.png?v=2023-11"> <link class="favicon-asset" rel="icon" type="image/png" sizes="32x32" href="/public/assets/BI/US/favicons/favicon-32x32.png?v=2023-11" > <link class="favicon-asset" rel="icon" type="image/png" sizes="16x16" href="/public/assets/BI/US/favicons/favicon-16x16.png?v=2023-11" > <link class="favicon-asset" rel="manifest" href="/public/assets/BI/US/favicons/site.webmanifest?v=2023-11" > <link class="favicon-asset" rel="mask-icon" href="/public/assets/BI/US/favicons/safari-pinned-tab.svg?v=2023=11" color="#fff" > <link class="favicon-asset" rel="shortcut icon" href="/public/assets/BI/US/favicons/favicon.ico?v=2023-11" > <link class="favicon-asset" rel="shortcut icon" type="image/svg+xml" href="/public/assets/BI/US/favicons/favicon.svg?v=2023-11" > <meta class="favicon-asset" name="msapplication-config" content="/public/assets/BI/US/favicons/browserconfig.xml?v=2023-11" > <meta name="theme-color" content="#fff" > <meta name="apple-mobile-web-app-title" content="Business Insider" > <link rel="preload" as="image" fetchpriority="high" href="https://i.insider.com/670ee34da70318649282a65c?width=700" imagesrcset="https://i.insider.com/670ee34da70318649282a65c?width=400&format=jpeg&auto=webp 400w, https://i.insider.com/670ee34da70318649282a65c?width=500&format=jpeg&auto=webp 500w, https://i.insider.com/670ee34da70318649282a65c?width=700&format=jpeg&auto=webp 700w, https://i.insider.com/670ee34da70318649282a65c?width=1000&format=jpeg&auto=webp 1000w, https://i.insider.com/670ee34da70318649282a65c?width=1300&format=jpeg&auto=webp 1300w, https://i.insider.com/670ee34da70318649282a65c?width=2000&format=jpeg&auto=webp 2000w" imagesizes="(min-width: 1280px) 900px"> <script type="text/javascript" id="fenrir-client-data"> window.Fenrir = {"config":{"ads":{"providerName":"dfp","sticky_active_header_height":47,"abTest":{"lazyLoad":155,"adxABTest":1,"changeCorrelator":false},"continentCode":"AS","config":{"scrollVelocity":true,"refreshAdsTimeout":30,"refreshAdsDisplayTimer":false},"data":{"networkid":4442842,"verity":{"taxonomy":[],"taxonomyBreakdown":[],"taxonomyIds":[],"keywords":[],"events":[],"threats":[],"sentiment":[]}},"services":{"amazonTam":{"enabled":true,"pubID":3201,"adServer":"googletag"},"rubiconPrebid":{"enabled":true,"scriptUrl":"https://ads.rubiconproject.com/prebid/10306.js","gdprScriptUrl":"https://ads.rubiconproject.com/prebid/10306_gdpr.js"},"indexExchange":{"enabled":false},"permutive":{"enabled":true,"projectId":"3aba5292-ba75-422b-8715-bd21146f7836","publicKey":"6f1150a7-e587-49c6-b439-a4b7ee68a5a7","version":1},"doubleverify":{"enabled":true}},"meta":{"primaryVertical":"yourmoney","categories":"credit-cards,credit-card-review,chase-sapphire-reserve,chase-pay-yourself-back,pfi-short-code,pfi-product-card,credit-card-lto,pfi,faq-page,pfi-tpg,pfi-tpg-social,crystal-cox,toc-jump-to,pfi-featured-products,pfi-amex-insurance,pfi-reviews,pfi-click-table,pfi-capital-one,personal-finance-insider,pfi-reviews-report","secondaryVerticals":"pfi-credit-cards","author":"katherine-fan,angela-fung","pageType":"post","adunit":{"site":"businessinsider","variation":"pfi-post","vertical":"banking-pfi","regionCounter":{"desktop":{},"mobile":{}},"rawVertical":false}}},"authEnv":"production","fenrirEnv":"production","fenrirWebpackPort":3001,"version":"main-241122.1577","authentication":{"url":"https://account.businessinsider.com","redirectAuth":{"url":"https://auth.businessinsider.com/authorize?response_type=code&client_id=__AUTH-CLIENT-ID__&redirect_uri=__REDIRECT-URI__&state=__UNIQUE-ID__&connection=__CONNECTION-NAME__&scope=openid%20offline_access","key":"1kovu25q4Q11Fx1x1mIKn0AGFas5VS2a"},"clientId":"faf5a910-46c1-47fd-a19a-32071a41547b","recaptcha":{"siteKey":"6Lc34KYZAAAAALr41Qa1RN3K06SrpQTbrN2_WTdh","siteKeyInvisible":"6LeGf2QhAAAAABuMypNcSm7aU69j1kGyUPzEF2L0"}},"newsletterSignUp":"https://account.businessinsider.com/newsletter","newsletterEnv":"production","consentManagement":{},"stripe":{"subscriptionResources":{"renewal-off-annual":{"plansToSubscribeTo":{"usd":{"annual":"f69f772f-a2c8-4768-ad1d-f69784590386"}}},"cancellation-annual-upgrade":{"usd":{"planId":"fb7506b9-570f-4b03-ab0b-c0baac1e46b0","currencySymbol":"$","renewalPrice":"149","offerPrice":"49","monthlyPrice":"25.95","interval":"yearly"},"cad":{"planId":"c12e3e69-0e64-4a8b-81c4-056c9f92dfa4","currencySymbol":"C$","renewalPrice":"199","offerPrice":"59","monthlyPrice":"14.95","interval":"yearly"},"gbp":{"planId":"810be99a-d57c-4c03-b0b6-ea4b9b5e5f00","currencySymbol":"£","renewalPrice":"119","offerPrice":"39","monthlyPrice":"10","interval":"yearly"}},"annual-early-renewal":{"usd":{"planId":"f88bd81d-f8f2-4972-b3de-c37dbcdb3051","currencySymbol":"$","renewalPrice":"149","offerPrice":"69"},"cad":{"planId":"89f953cf-ebf2-4353-8f74-6c15d4ecf3c9","currencySymbol":"C$","renewalPrice":"99","offerPrice":"69"},"gbp":{"planId":"3120f175-7e06-4ada-b844-5bb26f7c5f53","currencySymbol":"£","renewalPrice":"79","offerPrice":"55"}},"annual-switch":{"usd":{"planId":"92ef4403-b84d-421f-abca-a8ec85b9c71d","currencySymbol":"$","renewalPrice":"149","offerPrice":"39","interval":"yearly"},"cad":{"planId":"7c0d5e2d-901a-4e42-9194-4219a9686028","currencySymbol":"C$","renewalPrice":"179","offerPrice":"49","interval":"yearly"},"gbp":{"planId":"af40180b-4803-4b6b-adab-96b88876e54b","currencySymbol":"£","renewalPrice":"105","offerPrice":"29","interval":"yearly"}},"annual-switch-limited-offer":{"usd":{"planId":"e370ef9e-d604-4f2a-a6f0-42589158b973","currencySymbol":"$","renewalPrice":"149","offerPrice":"29","interval":"yearly"}},"preCancellationOffer":{"usd":{"planId":"fb7506b9-570f-4b03-ab0b-c0baac1e46b0","currencySymbol":"$","renewalPrice":"149","offerPrice":"49","monthlyPrice":"25.95","interval":"yearly"},"cad":{"planId":"c12e3e69-0e64-4a8b-81c4-056c9f92dfa4","currencySymbol":"C$","renewalPrice":"199","offerPrice":"59","monthlyPrice":"14.95","interval":"yearly"},"gbp":{"planId":"810be99a-d57c-4c03-b0b6-ea4b9b5e5f00","currencySymbol":"£","renewalPrice":"119","offerPrice":"39","monthlyPrice":"10","interval":"yearly"}},"plansNotToShowRetentionOffer":[]}},"sigyn":"https://membership-api.businessinsider.com","idun":"https://membership-api.businessinsider.com","skadi":"https://membership-api.businessinsider.com","forsetiUrl":"https://my.businessinsider.com","basicAuth":{"domain":"https://membership-api.businessinsider.com","apiKey":"OGU5ZWUyZWUtNjM2ZS00OTdiLWI0OTUtYTliOGIzMjQ1ODA2"},"tracking":{"providerName":["ga","t","comscore"],"base_url":"//www.businessinsider.com","postTrackingObject":{"pageType":"post","postID":"66a0056dc79d31931d82a64d","postURI":"personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review","publisher":"","editor":"Sarah Silbert","vertical":"yourmoney","verticals":["yourmoney","pfi-credit-cards"],"author":"Katherine Fan|Angela Fung","category":"Credit Cards|Credit card review|Chase Sapphire Reserve|Chase Pay Yourself Back|PFI Short Code|PFI Product Card|Credit card LTO|pfi|FAQ Page|PFI TPG|PFI TPG social|Crystal Cox|TOC-jump-to|PFI Featured Products|PFI Amex Insurance|PFI Reviews|PFI Click Table|PFI Capital One|Personal Finance Insider|PFI Reviews Report","dateModified":"2024-10-25","datePublished":"2024-10-15","numSlides":0,"wordCount":3277,"abTest":"|ctc:c|","splitTest":null,"secondaryVerticals":"pfi-credit-cards","theme":"default"},"data":{"gtm":{"id":"GTM-MP6F46L","env_string":""},"domains":["businessinsider.com","insider.com"],"t":{"pixel":"https://i.businessinsider.com/t.gif"}}},"logging":true,"abTests":[{"name":"ctc","value":"c"}],"splitTests":[],"featureFlags":{"shouldConsentDialogAutoClose":false,"disablePrebidRubicon":false,"disableAllAbTests":false,"activityLogging":false,"logs":false,"forceSpeedcurveSample":false,"forceDataDogRumSample":false,"disableDataDogRumSample":false,"forceDataDogLogs":false,"disableDataDogLogs":false,"unified":false,"trending":false,"developerBar":false,"changeCorrelator":false,"adFree":false,"renderTicker":false,"appSoftLaunch":false,"ignoreRedirect":false,"lcpPerformanceShowcase":false,"ampMarquee":false,"removeTickerHubNav":false,"storyVersioningApi":false,"testLatestSharedComponents":false,"myInsiderCorporate":false,"utmContentMarketing":false,"ampAdConsent":false,"ampAdConsentPurposes":false,"webVitals":false,"isPersonalizedOffer":false,"hideOpm":false,"useMockDadRecs":false,"metaPixel":false,"buildAudioTranscript":false,"videoShowsPreview":false,"disableAutoplay":false,"useAISearch":true,"useMockVerticals":false},"sticky":{"siteSkinEnabled":false,"stickyActiveHeaderHeaderHeight":71,"subnavStickyAdBuffer":250},"dataLayer":{"pageType":"post","postID":"66a0056dc79d31931d82a64d","postURI":"personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review","publisher":"","editor":"Sarah Silbert","vertical":"yourmoney","author":"Katherine Fan|Angela Fung","category":"Credit Cards|Credit card review|Chase Sapphire Reserve|Chase Pay Yourself Back|PFI Short Code|PFI Product Card|Credit card LTO|pfi|FAQ Page|PFI TPG|PFI TPG social|Crystal Cox|TOC-jump-to|PFI Featured Products|PFI Amex Insurance|PFI Reviews|PFI Click Table|PFI Capital One|Personal Finance Insider|PFI Reviews Report","dateModified":"2024-10-25","datePublished":"2024-10-15","wordCount":3277,"abTest":"|ctc:c|","secondaryVerticals":"pfi-credit-cards","theme":"default"},"shouldDeferScripts":true,"shouldManageConsent":false,"delayThirdPartyScripts":false,"facets":{"url":"https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review","path":"/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review","site":"bi","type":"story","vertical":"yourmoney","categories":["credit-cards","credit-card-review","chase-sapphire-reserve","chase-pay-yourself-back","pfi-short-code","pfi-product-card","credit-card-lto","pfi","faq-page","pfi-tpg","pfi-tpg-social","crystal-cox","toc-jump-to","pfi-featured-products","pfi-amex-insurance","pfi-reviews","pfi-click-table","pfi-capital-one","personal-finance-insider","pfi-reviews-report"],"components":["financial-product-card","inline-tooltip","collapsable-faq","post-author"],"embeds":[],"shortcodes":["table-of-contents-sticky",null,"commerce-link","credit-card","table-of-contents"]},"isEmbed":false,"embedConfig":{},"proxyUrl":"https://www.businessinsider.com/","datadogProxyUrl":"https://www.businessinsider.com//ajax/dd","capiVer":1,"subscribeEnabled":true,"name":"Business Insider","domain":"businessinsider","twitter":"businessinsider","x":"businessinsider","linkedIn":"businessinsider","youtube":"@BusinessInsider","instagram":"businessinsider","resourceName":"bi","identifier":"bi","targetingName":"business-insider","adUnitSite":"businessinsider","assetsPath":"BI","s3Directory":"us","searchIdentifier":"businessinsider.com","color":"#fff","gaId":"UA-2241657-6","ampGtmId":"GTM-MVJQ7ZG","ampGaId":"UA-2241657-6","fbContentId":"20446254070","appleItunesAppId":"554260576","description":"Business Insider tells the global tech, finance, stock market, media, economy, lifestyle, real estate, AI and innovative stories you want to know.","verticalLabelMapping":{"bi intelligence":"Business Insider Intelligence","bi news":"News","tech insider":"Tech","wuhan coronavirus":"coronavirus","beauty (reviews)":"Beauty","deals (reviews)":"Deals","tickets (reviews)":"Tickets","education (reviews)":"Education","tech (reviews)":"Tech","fitness (reviews)":"Fitness","gifts (reviews)":"Gifts","health (reviews)":"Health","home (reviews)":"Home","kitchen (reviews)":"Kitchen","outdoors (reviews)":"Outdoors","parenting (reviews)":"Parenting","pets (reviews)":"Pets","streaming (reviews)":"Streaming","style (reviews)":"Style","travel (reviews)":"Travel","learning (reviews)":"Learning","hobbies & crafts (reviews)":"Hobbies & Crafts","diet & nutrition (reference)":"Diet & Nutrition","investing (reference)":"Investing","economics & markets (reference)":"Economics & Markets","investment assets (reference)":"Investment Assets","investment accounts (reference)":"Investment Accounts","investing strategies (reference)":"Investing Strategies","professionals & advisors (reference)":"Professionals & Advisors","laptops & tablets (reference)":"Laptops & Tablets","gadgets (reference)":"Gadgets","gaming (reference)":"Gaming","smart home (reference)":"Smart Home","smartphones (reference)":"Smartphones","software & apps (reference)":"Software & Apps","streaming (reference)":"Streaming"},"partials":{"footer-brand-logos":"footer-brand-logos"},"rubicon":{"siteId":"240980","mobileStickyLower":"1188648-320x50","mobileInPost":"1684838-300x250"},"dynamicEnabled":true,"socialLinks":{"facebook":"https://www.facebook.com/businessinsider","x":"https://x.com/businessinsider","instagram":"https://www.instagram.com/businessinsider/","youTube":"https://www.youtube.com/user/businessinsider","linkedIn":"https://www.linkedin.com/company/businessinsider/"},"masthead":{"searchLink":"https://www.businessinsider.com/s","subscribeButtonLink":"https://www.businessinsider.com/subscription"},"crossDomainAuth":{"mi":"https://markets.businessinsider.com"},"subdomain":"www","bylineNoShows":["insider","business insider","business insider uk"],"components":{"ai-search":{},"back-to-home":{"display":{"postPage":true,"showPage":true},"content":{"default":{"link":"/","text":"Home"},"video":{"link":"https://www.businessinsider.com/video"}}},"live-updates":"","my-insider":"","share":{"byline":{"shareOptions":["facebook","email","x","linkedin","copylink","impact"]}},"subscription-corporate/seats-card":{"api":{"domain":"https://membership-api.businessinsider.com","apiKey":"OGU5ZWUyZWUtNjM2ZS00OTdiLWI0OTUtYTliOGIzMjQ1ODA2"},"plan":"3fe932aa-1d63-45d6-9e84-8ba2f1aaea21"},"vendor-taboola":{"taboolaLoader":"//cdn.taboola.com/libtrc/businessinsider/loader.js","postBottom":{"desktop":{"id":"taboola-below-main-column","mode":"thumbs-1r","placement":"below-main-column","targetType":"mix","onlyOn":"desktop"},"mobile":{"id":"taboola-below-article","mode":"thumbs-2r-mobile","placement":"Below Article Thumbnails Mobile","targetType":"mix","onlyOn":"mobile"}},"referenceLibraryPostBottom":{"desktop":{"id":"taboola-below-article-thumbnails---reference-page","mode":"thumbs-1r","placement":"Below Article Thumbnails - Reference Page","targetType":"mix","onlyOn":"desktop"},"mobile":{"id":"taboola-below-article-thumbnails---reference-page---mobile","mode":"thumbs-2r-mobile","placement":"Below Article Thumbnails - Reference Page - Mobile","targetType":"mix","onlyOn":"mobile"}},"migratedPostBottom":{"desktop":{"id":"taboola-below-article-thumbnails---insider","mode":"thumbs-feed-01-new","placement":"Below Article Thumbnails - Insider","targetType":"mix","onlyOn":"desktop"},"mobile":{"id":"taboola-below-article-thumbnails-mobile---insider","mode":"thumbs-feed-01-new","placement":"Below Article Thumbnails Mobile - Insider","targetType":"mix","onlyOn":"mobile"}}}},"componentsToLoad":{},"adsTxtDir":"/us/ads.txt","appAdsTxtDir":"/us/app-ads.txt","shareButtons":{"topBarShareButtons":["x","linkedin","facebook","email","copylink"],"videoShareButtons":{"dropdownButtons":["x","linkedin","copylink"],"buttons":["facebook","email"]},"slideShareButtons":{"dropdownButtons":["x","linkedin","facebook","email","copylink"]}},"rubiconAmp":{"amp":{"business":{"siteId":"240980","stickyLower":"1188648-320x50","inPost":"1684838-300x250"},"life":{"siteId":"332812","stickyLower":"1745222-320x50","inPost":"1745220-300x250"},"news":{"siteId":"332810","stickyLower":"1745218-320x50","inPost":"1745216-300x250"},"default":{"siteId":"240982","stickyLower":"1188650-320x50","inPost":"1684840-300x250"}}},"zendesk":{"chatKey":"76a7a72c-2c9b-455e-b822-8cb01a97e60d"},"trackingAnalyticName":"Live Election Feed","notificationBanner":{"type":"","data":{"copyTitle":"","copy":"","cta":""},"defaultState":"active","maxViews":false,"defaultClass":"d-md-none active","disallowInApp":true,"gaEvent":"","gaEventCategory":""},"topNotice":{"targetBrowsers":["MSIE","Trident"],"targetCategories":["pfi-tpg"],"data":{"copy":"Hmm...It looks like you’re using an outdated or unsupported browser that may not render correctly. For the best experience, we recommend using the latest version of Google Chrome, Safari, Microsoft Edge, or Firefox"}},"bifrost":{"production":"https://bifrost-bfp.pages.dev","development":"https://staging.bifrost-bfp.pages.dev"},"sharedRecaptcha":{"V2SiteKey":"6Lc34KYZAAAAALr41Qa1RN3K06SrpQTbrN2_WTdh","V2SiteKeyInvisible":"6LeGf2QhAAAAABuMypNcSm7aU69j1kGyUPzEF2L0"},"gtmIdGA4":"GTM-MP6F46L","jwPlayer":{"hero":"puACk8ZV","nowWatch":"P0a1LFN5","inPost":"rpoASVKQ","playlist":"Vtl6VSDD","featuredVideo":"JoOudDws"},"recommendationsPlaylist":{"ins":"TXrojpv3","bi":"4yvN3aI1"},"errorSearch":{"action":"/s","name":"q"},"editions":[{"country":"Deutschland & Österreich","url":"https://www.businessinsider.de?IR=C","abbr":"AT"},{"country":"Deutschland","url":"https://businessinsider.de?IR=C","abbr":"DE","footerOnly":true},{"country":"España","url":"https://businessinsider.es","abbr":"ES"},{"country":"India","url":"https://www.businessinsider.in","abbr":"IN"},{"country":"Japan","url":"https://www.businessinsider.jp","abbr":"JP"},{"country":"Netherlands","url":"https://www.businessinsider.nl?IR=C","abbr":"NL"},{"country":"Polska","url":"https://www.businessinsider.com.pl/?IR=C","abbr":"PL"}],"validDomains":["insider.com","businessinsider.com","insider.engineering","forseti.pages.dev","my.businessinsider.com","localhost"],"formSubmit":{"corporateLanding":{"sender":"support@businessinsider.com","receivers":["group-subscriptions@businessinsider.com"],"subject":"Group Subscriptions - Over 60 Seats"}},"doubleVerifyCodes":{"dvClientCode":"23280644","dvSettingsCode":"DV673672"},"appsFlyer":{"oneLink":"https://insider-app.onelink.me/4cpG"},"consentManagementSourcepoint":{"euPrivacyManagerModalId":"1165664","usPrivacyManagerModalId":"1112289"}},"id":"personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review","meta":{"biContextualAnalysis":{"emotionalAnalysis":{"model":"gpt-4-turbo-preview","predictions":{"amusement":{"parsed":0,"raw":"0"},"critical_thinking":{"parsed":0,"raw":"0"},"empathy":{"parsed":0,"raw":"0"},"enjoyment":{"parsed":0.1,"raw":"0.1"},"fear":{"parsed":0,"raw":"0"},"forward_thinking":{"parsed":0,"raw":"0"},"inspiration":{"parsed":0.1,"raw":"0.1"},"love":{"parsed":0,"raw":"0"},"optimism":{"parsed":0,"raw":"0"}},"version":1}},"created":"2024-07-23T19:33:33.016Z","createdBy":"Evelyn He","disableAffiliatizer":false,"disableAutolinker":false,"disableInlineAds":true,"disablePfiShortcodes":false,"disablePopularVideo":true,"disableSidebar":false,"disableSimpleReach":true,"disableTaboola":true,"editor":"Sarah Silbert","hidden":false,"inMigrated":false,"vikingID":"66a0056dc79d31931d82a64d","isMobileAppShell":false,"isSponsored":false,"isBii":false,"isOpinion":false,"isReviews":false,"isHelpfulness":true,"hasReferenceVertical":false,"isReferenceSubVertical":false,"isBreaking":false,"isLive":false,"isExclusive":false,"isPersonalFinance":true,"permutive":{"post":{"page":{"type":"story","article":{"author":"Katherine Fan, Angela Fung","description":"The Chase Sapphire Reserve offers an easy-to-use $300 travel credit each year, and comes with one of the best travel insurance policies I've ever had.","section":"yourmoney","date":"2024-10-15T21:59:08Z","keywords":["credit-cards","credit-card-review","chase-sapphire-reserve","chase-pay-yourself-back","pfi-short-code","pfi-product-card","credit-card-lto","pfi","faq-page","pfi-tpg","pfi-tpg-social","crystal-cox","toc-jump-to","pfi-featured-products","pfi-amex-insurance","pfi-reviews","pfi-click-table","pfi-capital-one","personal-finance-insider","pfi-reviews-report"],"title":"Why I recommend the Chase Sapphire Reserve to anyone who values adventure and luxury travel as much as I do","ca":{"taxonomy":[],"taxonomyBreakdown":[],"taxonomyIds":[],"keywords":[],"events":[],"threats":[],"sentiment":[]}}}}},"pressboard":false,"isEditSeries":false,"isCustomPage":false,"isMarketsInsiderExclusive":false,"isMarketsInsiderSyndicated":false,"disablePrimis":false,"socialReferrer":null,"breadcrumbs":[{"label":"Personal Finance","link":"https://www.businessinsider.com/personal-finance","isPrefix":false,"subClass":""},{"label":"Credit Cards","link":"https://www.businessinsider.com/personal-finance/credit-cards","isPrefix":false,"subClass":""}],"postPromo":{},"newsKeywords":"Personal Finance, Credit Cards","affilimateKeywords":"Credit Cards","filteredReactions":[],"hasAmpPage":false,"isAdsFree":true,"robots":"max-image-preview:large","shouldShowContent":true,"hasProductCard":true,"containsSummaryBullets":false,"faqItems":[{"question":"What credit score do you need to get the Chase Sapphire Reserve®?","answer":"<p class=\"faq-answer\">You'll need a credit score of at least 670 to get the Chase Sapphire Reserve®. Most people who are approved for the Chase Sapphire Reserve® have a credit score in the good to excellent range, meaning a FICO score of at least 670. You need a credit score above 700 to open most travel credit cards. </p>"},{"question":"Is the Chase Sapphire Reserve® card worth it?","answer":"<p class=\"faq-answer\">The Chase Sapphire Reserve® is worth it if you're a frequent traveler who will maximize the card's credits and benefits. A frequent traveler can easily save $1,000 per year with the Chase Sapphire Reserve®. But if you don't think you'll be able to use these benefits, you'll likely do better with the Chase Sapphire Preferred® Card. </p>"},{"question":"Who is the Chase Sapphire Reserve® good for?","answer":"<p class=\"faq-answer\">The Chase Sapphire Reserve® is good for frequent travelers who can make the most of its benefits, especially the annual travel credit and airport lounge access. If you won't book paid travel through Chase and don't travel through airports with Priority Pass lounges, you might want to consider a different, less expensive, travel card.</p>"},{"question":"Is the Chase Sapphire Reserve® hard to get?","answer":"<p class=\"faq-answer\">The Chase Sapphire Reserve® is only hard to get if you meet the following criteria: You have opened five or more cards in the past 24 months from any bank (excluding most small-business credit cards), known as the <a href=\"https://www.businessinsider.com/personal-finance/credit-cards/what-is-chase-524-rule\" rel=\"noopener\" data-analytics-product-module=\"body_link\">Chase 5/24 rule;</a> you currently hold any flavor of Chase Sapphire card; or your credit score is below 670. You won't be eligible for its bonus if you've received a Sapphire bonus within the past 48 months.</p>"},{"question":"How do I add an authorized user to my Chase Sapphire Reserve®?","answer":"<p class=\"faq-answer\">You can add an authorized user to your Chase Sapphire Reserve® through your online account. There's a $75 fee for each authorized user, but they'll get their own Priority Pass Select membership and get access to travel insurance and other benefits when they use their card.</p>"}],"showRecirc":false,"paywall":{"isExempt":true}},"path":"/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review","attributes":{"amazonTrackingID":"bi-auto-71663-20","categories":["Credit Cards","Credit card review","Chase Sapphire Reserve","Chase Pay Yourself Back","PFI Short Code","PFI Product Card","Credit card LTO","pfi","FAQ Page","PFI TPG","PFI TPG social","Crystal Cox","TOC-jump-to","PFI Featured Products","PFI Amex Insurance","PFI Reviews","PFI Click Table","PFI Capital One","Personal Finance Insider","PFI Reviews Report"]},"relationships":{"authors":{"data":[{"type":"author","id":"katherine-fan","attributes":{"company":"","email":"katherinefan@gmail.com","label":"Katherine Fan","title":"Correspondent, Credit Cards"},"relationships":{"image":{"data":{"type":"image","id":"62eaeb8326082a001825aa6c","attributes":{"caption":"","contentType":"image/jpeg","height":6144,"source":"Katherine Fan","width":4096},"links":{"self":"https://i.insider.com/62eaeb8326082a001825aa6c"}}}},"links":{"self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/authors/katherine-fan","site":"https://www.businessinsider.com/author/katherine-fan","twitter":"https://www.instagram.com/katherinefangirling/"}},{"type":"author","id":"angela-fung","attributes":{"company":"Business Insider","email":"afung@businessinsider.com","label":"Angela Fung","title":"Marketing Compliance Manager"},"relationships":{"image":{"data":{"type":"image","id":"662fb906ec0c696569feabc8","attributes":{"caption":"","contentType":"image/jpeg","height":3348,"source":"Maya Baran for Business Insider","width":2293},"links":{"self":"https://i.insider.com/662fb906ec0c696569feabc8"}}}},"links":{"self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/authors/angela-fung","site":"https://www.businessinsider.com/author/angela-fung"}}]},"categories":{"data":[{"type":"category","id":"credit-cards","attributes":{"label":"Credit Cards"},"links":{"site":"https://www.businessinsider.com/category/credit-cards"},"isIndexable":false},{"type":"category","id":"credit-card-review","attributes":{"label":"Credit card review"},"links":{"site":"https://www.businessinsider.com/category/credit-card-review"},"isIndexable":false},{"type":"category","id":"chase-sapphire-reserve","attributes":{"label":"Chase Sapphire Reserve"},"links":{"site":"https://www.businessinsider.com/category/chase-sapphire-reserve"},"isIndexable":false},{"type":"category","id":"chase-pay-yourself-back","attributes":{"label":"Chase Pay Yourself Back"},"links":{"site":"https://www.businessinsider.com/category/chase-pay-yourself-back"},"isIndexable":false},{"type":"category","id":"pfi-short-code","attributes":{"label":"PFI Short Code"},"links":{"site":"https://www.businessinsider.com/category/pfi-short-code"},"isIndexable":false},{"type":"category","id":"pfi-product-card","attributes":{"label":"PFI Product Card"},"links":{"site":"https://www.businessinsider.com/category/pfi-product-card"},"isIndexable":false},{"type":"category","id":"credit-card-lto","attributes":{"label":"Credit card LTO"},"links":{"site":"https://www.businessinsider.com/category/credit-card-lto"},"isIndexable":false},{"type":"category","id":"pfi","attributes":{"label":"pfi"},"links":{"site":"https://www.businessinsider.com/category/pfi"},"isIndexable":false},{"type":"category","id":"faq-page","attributes":{"label":"FAQ Page"},"links":{"site":"https://www.businessinsider.com/category/faq-page"},"isIndexable":false},{"type":"category","id":"pfi-tpg","attributes":{"label":"PFI TPG"},"links":{"site":"https://www.businessinsider.com/category/pfi-tpg"},"isIndexable":false},{"type":"category","id":"pfi-tpg-social","attributes":{"label":"PFI TPG social"},"links":{"site":"https://www.businessinsider.com/category/pfi-tpg-social"},"isIndexable":false},{"type":"category","id":"crystal-cox","attributes":{"label":"Crystal Cox"},"links":{"site":"https://www.businessinsider.com/category/crystal-cox"},"isIndexable":false},{"type":"category","id":"toc-jump-to","attributes":{"label":"TOC-jump-to"},"links":{"site":"https://www.businessinsider.com/category/toc-jump-to"},"isIndexable":false},{"type":"category","id":"pfi-featured-products","attributes":{"label":"PFI Featured Products"},"links":{"site":"https://www.businessinsider.com/category/pfi-featured-products"},"isIndexable":false},{"type":"category","id":"pfi-amex-insurance","attributes":{"label":"PFI Amex Insurance"},"links":{"site":"https://www.businessinsider.com/category/pfi-amex-insurance"},"isIndexable":false},{"type":"category","id":"pfi-reviews","attributes":{"label":"PFI Reviews"},"links":{"site":"https://www.businessinsider.com/category/pfi-reviews"},"isIndexable":false},{"type":"category","id":"pfi-click-table","attributes":{"label":"PFI Click Table"},"links":{"site":"https://www.businessinsider.com/category/pfi-click-table"},"isIndexable":false},{"type":"category","id":"pfi-capital-one","attributes":{"label":"PFI Capital One"},"links":{"site":"https://www.businessinsider.com/category/pfi-capital-one"},"isIndexable":false},{"type":"category","id":"personal-finance-insider","attributes":{"label":"Personal Finance Insider"},"links":{"site":"https://www.businessinsider.com/category/personal-finance-insider"},"isIndexable":false},{"type":"category","id":"pfi-reviews-report","attributes":{"label":"PFI Reviews Report"},"links":{"site":"https://www.businessinsider.com/category/pfi-reviews-report"},"isIndexable":false}]},"verticals":{"data":[{"type":"vertical","id":"yourmoney","attributes":{"created":"2011-09-08T00:00:00Z","label":"Personal Finance","modified":"2024-01-02T18:09:41Z"},"links":{"facebook":{"href":"https://www.facebook.com/businessinsider.yourmoney","meta":{"username":"businessinsider.yourmoney"}},"posts":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/verticals/yourmoney/posts","self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/verticals/yourmoney","site":"https://www.businessinsider.com/yourmoney","twitter":{"href":"https://www.twitter.com/BI_Strategy","meta":{"username":"BI_Strategy"}}}},{"type":"vertical","id":"pfi-credit-cards","attributes":{"created":"2019-10-30T19:34:39Z","label":"Credit Cards","modified":"2023-01-18T15:22:51Z"},"links":{"posts":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/verticals/pfi-credit-cards/posts","self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/verticals/pfi-credit-cards","site":"https://www.businessinsider.com/pfi-credit-cards"}}]},"relatedVideos":{"data":[{"type":"video","id":"bank-collapse-money-safe-silicon-valley-first-republic-interest-rates-2024-5","attributes":{"flags":{"isOriginal":true,"showPreRoll":true,"showRecommendations":true},"title":"Why more US banks could collapse"},"relationships":{"authors":{"data":[{"type":"author","id":"laila-maidan","attributes":{"company":"","email":"lmaidan@businessinsider.com","label":"Laila Maidan","title":"Correspondent, Investing"},"relationships":{"image":{"data":{"type":"image","id":"65ef987d90413ab8e1dba08d","attributes":{"caption":"","contentType":"","height":1000,"source":"","width":1000},"links":{"self":"https://i.insider.com/65ef987d90413ab8e1dba08d"}}}},"links":{"self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/authors/laila-maidan","site":"https://www.businessinsider.com/author/laila-maidan","twitter":{"href":"https://twitter.com/lailamaidan","meta":{"username":"lailamaidan"}}}},{"type":"author","id":"erica-star-domena","attributes":{"company":"","email":"ericadomena@gmail.com","label":"Erica Star Domena","title":"Associate Producer"},"relationships":{"image":{"data":{"type":"image","id":"61df4d53dbf4c6001931c1cf","attributes":{"caption":"","contentType":"","height":1000,"source":"","width":1000},"links":{"self":"https://i.insider.com/61df4d53dbf4c6001931c1cf"}}}},"links":{"self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/authors/erica-star-domena","site":"https://www.businessinsider.com/author/erica-star-domena"}},{"type":"author","id":"sarah-andersen","attributes":{"company":"Insider","email":"sandersen@insider.com","label":"Sarah Andersen","title":"Video Producer"},"relationships":{"image":{"data":{"type":"image"}}},"links":{"self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/authors/sarah-andersen","site":"https://www.businessinsider.com/author/sarah-andersen","twitter":{"href":"https://twitter.com/sssandersen","meta":{"username":"sssandersen"}}}}]},"thumbnail":{"data":{"type":"image","id":"66425eadf27898f532d7257f","attributes":{"caption":"","contentType":"image/jpeg","height":1080,"source":"Getty Images","width":1920},"links":{"self":"https://i.insider.com/66425eadf27898f532d7257f"}}}},"links":{},"meta":{"_id":"6642324fc730989d9c361d04","jwplayer":{"assetID":"z7Yb53ZE"}},"rid":3081572136}]}},"subType":"story","superVertical":"business","type":"post","continentCode":"AS","deviceType":"desktop","isBot":false,"privacyApi":"NONE","env":"production"} || {"config": {}}; window.Fenrir.cmd = window.Fenrir.cmd || []; </script> <script> LUX=function(){var e="undefined"!=typeof LUX&&void 0!==LUX.gaMarks?LUX.gaMarks:[],n="undefined"!=typeof LUX&&void 0!==LUX.gaMeasures?LUX.gaMeasures:[],t="LUX_start",r=window.performance,a="undefined"!=typeof LUX&&LUX.ns?LUX.ns:Date.now?Date.now():+new Date;function u(){if(r){if(r.now)return r.now();if(r.webkitNow)return r.now();if(r.msNow)return r.now();if(r.mozNow)return r.now()}return(Date.now?Date.now():+new Date)-a}function o(n){return function(e,n){for(i=n.length-1;i>=0;i--){var t=n[i];if(e===t.name)return t}return}(n,function(){if(r){if(r.getEntriesByType)return r.getEntriesByType("mark");if(r.webkitGetEntriesByType)return r.webkitGetEntriesByType("mark")}return e}())}return r&&r.timing&&r.timing.navigationStart&&(a=r.timing.navigationStart),{mark:function(n){if(r){if(r.mark)return r.mark(n);if(r.webkitMark)return r.webkitMark(n)}e.push({name:n,entryType:"mark",startTime:u(),duration:0})},measure:function(e,i,a){if(void 0===i&&o(t)&&(i=t),r){if(r.measure)return i?a?r.measure(e,i,a):r.measure(e,i):r.measure(e);if(r.webkitMeasure)return r.webkitMeasure(e,i,a)}var f=0,s=u();if(i){var m=o(i);if(m)f=m.startTime;else{if(!(r&&r.timing&&r.timing[i]))return;f=r.timing[i]-r.timing.navigationStart}}if(a){var w=o(a);if(w)s=w.startTime;else{if(!(r&&r.timing&&r.timing[a]))return;s=r.timing[a]-r.timing.navigationStart}}n.push({name:e,entryType:"measure",startTime:f,duration:s-f})},gaMarks:e,gaMeasures:n}}(),LUX.ns=Date.now?Date.now():+new Date,LUX.ac=[],LUX.cmd=function(e){LUX.ac.push(e)},LUX.init=function(){LUX.cmd(["init"])},LUX.send=function(){LUX.cmd(["send"])},LUX.addData=function(e,n){LUX.cmd(["addData",e,n])}; LUX.label="story"; // PageType: homepage, story, slideshow, video, hubpage, etc. LUX.minMeasureTime = 7000; LUX.maxMeasureTime = 30000;LUX.sendBeaconOnPageHidden = true; // Set this to true when not in auto fire mode LUX.auto = false; // We will manually fire once GDPR scripts have loaded (consent-handler.js) // Custom Dimensions LUX.addData('siteName', 'Business Insider'); LUX.addData('primaryVertical', 'yourmoney'); LUX.addData('secondaryVerticals', 'pfi-credit-cards'); LUX.addData('categories', 'Credit Cards,Credit card review,Chase Sapphire Reserve,Chase Pay Yourself Back,PFI Short Code,PFI Product Card,Credit card LTO,pfi,FAQ Page,PFI TPG,PFI TPG social,Crystal Cox,TOC-jump-to,PFI Featured Products,PFI Amex Insurance,PFI Reviews,PFI Click Table,PFI Capital One,Personal Finance Insider,PFI Reviews Report'); LUX.addData('continentCode', 'AS'); LUX.addData('premium', '[object Object]'); // We can't call LUX.forceSample until the API is on the page window.Fenrir.sampleSpeedcurve = function sampleSpeedcurve() { if (window.LUX?.forceSample && window.Fenrir?.config?.featureFlags?.forceSpeedcurveSample) { window.LUX.forceSample(); } } </script> <script async src="https://cdn.speedcurve.com/js/lux.js?id=38383524" onload="window.Fenrir.sampleSpeedcurve()" ></script> <script> (function(){ var toFirstRequest = 'Inline Scripts Init - Start'; var toAdLibrary = 'Inline Scripts Ad Library Loaded - Start'; function createMark(markName) { var perfMarks = window.performance; var lux = window.LUX; if (perfMarks && perfMarks.clearMarks && perfMarks.mark) { perfMarks.clearMarks(markName); perfMarks.mark(markName); } else if (lux && lux.mark) { lux.mark(markName); } } createMark(toFirstRequest); createMark(toAdLibrary); })() </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22ANALYTICS%22%20async%3D%22%22src%3D%22https%3A%2F%2Fcdn.confiant-integrations.net%2Fcdnm50QDU6s2lq_RrjTCOPkh-uY%2Fgpt_and_prebid%2Fconfig.js%22%3E%3C%2Fscript%3E" });</script>  <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%3E%0A%20%20%20%20!function(e%2Co%2Cn%2Ci)%7Bif(!e)%7Be%3De%7C%7C%7B%7D%2Cwindow.permutive%3De%2Ce.q%3D%5B%5D%3Bvar%20t%3Dfunction()%7Breturn(%5B1e7%5D%2B-1e3%2B-4e3%2B-8e3%2B-1e11).replace(%2F%5B018%5D%2Fg%2Cfunction(e)%7Breturn(e%5E(window.crypto%7C%7Cwindow.msCrypto).getRandomValues(new%20Uint8Array(1))%5B0%5D%2615%3E%3Ee%2F4).toString(16)%7D)%7D%3Be.config%3Di%7C%7C%7B%7D%2Ce.config.apiKey%3Do%2Ce.config.workspaceId%3Dn%2Ce.config.environment%3De.config.environment%7C%7C%22production%22%2C(window.crypto%7C%7Cwindow.msCrypto)%26%26(e.config.viewId%3Dt())%3Bfor(var%20g%3D%5B%22addon%22%2C%22identify%22%2C%22track%22%2C%22trigger%22%2C%22query%22%2C%22segment%22%2C%22segments%22%2C%22ready%22%2C%22on%22%2C%22once%22%2C%22user%22%2C%22consent%22%5D%2Cr%3D0%3Br%3Cg.length%3Br%2B%2B)%7Bvar%20w%3Dg%5Br%5D%3Be%5Bw%5D%3Dfunction(o)%7Breturn%20function()%7Bvar%20n%3DArray.prototype.slice.call(arguments%2C0)%3Be.q.push(%7BfunctionName%3Ao%2Carguments%3An%7D)%7D%7D(w)%7D%7D%7D(window.permutive%2C%226f1150a7-e587-49c6-b439-a4b7ee68a5a7%22%2C%223aba5292-ba75-422b-8715-bd21146f7836%22%2C%7B%22apiHost%22%3A%20%22permutive.businessinsider.com%22%2C%20%22consentRequired%22%3A%20true%7D)%3B%0A%20%20%20%20window.googletag%3Dwindow.googletag%7C%7C%7B%7D%2Cwindow.googletag.cmd%3Dwindow.googletag.cmd%7C%7C%5B%5D%2Cwindow.googletag.cmd.push(function%20permutiveCmd()%7Bif(0%3D%3D%3Dwindow.googletag.pubads().getTargeting(%22permutive%22).length)%7Bvar%20e%3Dwindow.localStorage.getItem(%22_pdfps%22)%3Bwindow.googletag.pubads().setTargeting(%22permutive%22%2Ce%3FJSON.parse(e)%3A%5B%5D)%3Bvar%20o%3Dwindow.localStorage.getItem(%22permutive-id%22)%3Bo%26%26(window.googletag.pubads().setTargeting(%22puid%22%2Co)%2Cwindow.googletag.pubads().setTargeting(%22ptime%22%2CDate.now().toString()))%2Cwindow.permutive.config.viewId%26%26window.googletag.pubads().setTargeting(%22prmtvvid%22%2Cwindow.permutive.config.viewId)%2Cwindow.permutive.config.workspaceId%26%26window.googletag.pubads().setTargeting(%22prmtvwid%22%2Cwindow.permutive.config.workspaceId)%7D%7D)%3B%0A%20%20%20%20%3C!--%20permutive%20script%20for%20post%20page%20--%3E%0A%20%20%20%20window.permutive.stopMapper%20%3D%20true%3B%0A%20%20%20%20window.permutive.addon(%22web%22%2C%20%7B%22page%22%3A%7B%22type%22%3A%22story%22%2C%22article%22%3A%7B%22author%22%3A%22Katherine%20Fan%2C%20Angela%20Fung%22%2C%22description%22%3A%22The%20Chase%20Sapphire%20Reserve%20offers%20an%20easy-to-use%20%24300%20travel%20credit%20each%20year%2C%20and%20comes%20with%20one%20of%20the%20best%20travel%20insurance%20policies%20I've%20ever%20had.%22%2C%22section%22%3A%22yourmoney%22%2C%22date%22%3A%222024-10-15T21%3A59%3A08Z%22%2C%22keywords%22%3A%5B%22credit-cards%22%2C%22credit-card-review%22%2C%22chase-sapphire-reserve%22%2C%22chase-pay-yourself-back%22%2C%22pfi-short-code%22%2C%22pfi-product-card%22%2C%22credit-card-lto%22%2C%22pfi%22%2C%22faq-page%22%2C%22pfi-tpg%22%2C%22pfi-tpg-social%22%2C%22crystal-cox%22%2C%22toc-jump-to%22%2C%22pfi-featured-products%22%2C%22pfi-amex-insurance%22%2C%22pfi-reviews%22%2C%22pfi-click-table%22%2C%22pfi-capital-one%22%2C%22personal-finance-insider%22%2C%22pfi-reviews-report%22%5D%2C%22title%22%3A%22Why%20I%20recommend%20the%20Chase%20Sapphire%20Reserve%20to%20anyone%20who%20values%20adventure%20and%20luxury%20travel%20as%20much%20as%20I%20do%22%2C%22ca%22%3A%7B%22taxonomy%22%3A%5B%5D%2C%22taxonomyBreakdown%22%3A%5B%5D%2C%22taxonomyIds%22%3A%5B%5D%2C%22keywords%22%3A%5B%5D%2C%22events%22%3A%5B%5D%2C%22threats%22%3A%5B%5D%2C%22sentiment%22%3A%5B%5D%7D%7D%7D%7D)%3B%0A%20%20%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22MARKETING%22%20data-request-consent%3D%22permutive%22%20async%20src%3D%22https%3A%2F%2Fbusinessinsider.edge.permutive.app%2F3aba5292-ba75-422b-8715-bd21146f7836-web.js%22%3E%3C%2Fscript%3E" });</script>  <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%3E%0A%20%20(function()%7B%0A%20%20%20%20var%20cookies%20%3D%20document.cookie.split('%3B').reduce(function(acc%2C%20val)%20%7B%0A%20%20%20%20%20%20var%20p%20%3D%20val.trim().split('%3D')%3B%0A%20%20%20%20%20%20acc%5Bp%5B0%5D%5D%20%3D%20p%5B1%5D%3B%0A%20%20%20%20%20%20return%20acc%3B%0A%20%20%20%20%7D%2C%20%7B%7D)%3B%0A%20%20%0A%20%20%20%20var%20identify%20%3D%20%5B%5D%2C%20iId%2C%20aId%3B%0A%20%20%20%20if%20(iId%20%3D%20cookies%5B'insider_uid'%5D)%20identify.push(%7B%22id%22%3A%20iId%2C%20%22tag%22%3A%20%22insider_uid%22%2C%20%22priority%22%3A1%7D)%3B%0A%20%20%20%20if%20(aId%20%3D%20cookies%5B'anonymous_id'%5D)%20identify.push(%7B%22id%22%3A%20aId%2C%20%22tag%22%3A%20%22anonymous_id%22%2C%20%22priority%22%3A2%7D)%3B%0A%20%20%20%20if%20(uId%20%3D%20cookies%5B'universal_id'%5D)%20identify.push(%7B%22id%22%3A%20uId%2C%20%22tag%22%3A%20%22universal_id%22%2C%20%22priority%22%3A2%7D)%3B%0A%20%20%20%20if%20(identify.length)%20window.permutive.identify(identify)%3B%0A%20%20%7D)()%0A%20%20%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20async%20data-consent%3D%22MARKETING%22%20src%3D%22https%3A%2F%2Fpub.doubleverify.com%2Fdvtag%2F23280644%2FDV673672%2Fpub.js%22%3E%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22MARKETING%22%3E%0A%20%20%20%20!function(e%2Ct%2Cc%2Cn%2Co%2Ca%2Cm)%7Be._bmb%7C%7C(o%3De._bmb%3Dfunction()%7Bo.x%3Fo.x.apply(o%2Carguments)%3Ao.q.push(arguments)%7D%2Co.q%3D%5B%5D%2Ca%3Dt.createElement(c)%2Ca.async%3Dtrue%2Ca.src%3D%22https%3A%2F%2Fvi.ml314.com%2Fget%3Feid%3D50096%26tk%3D8PHo1fmxaUWZY0JmljRcRGcCzjCy4DKbPX5sP2fZNL483d%26fp%3D%22%2B(e.localStorage%26%26e.localStorage.getItem(n)%7C%7C%22%22)%2Cm%3Dt.getElementsByTagName(c)%5B0%5D%2Cm.parentNode.insertBefore(a%2Cm))%7D(window%2Cdocument%2C%22script%22%2C%22_ccmaid%22)%3B%0A%20%20%20%20window.googletag%20%3D%20window.googletag%20%7C%7C%20%7Bcmd%3A%20%5B%5D%7D%3B%0A%20%20%20%20googletag.cmd.push(function()%7B%0A%20%20%20%20%20%20_bmb('vi'%2C%20function(data)%7B%0A%20%20%20%20%20%20%20%20if%20(data%20!%3D%20null)%20%7B%0A%20%20%20%20%20%20%20%20%20%20var%20tmpSegment%20%3D%20%5B%0A%20%20%20%20%20%20%20%20%20%20%20%20data.industry_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20data.revenue_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20data.size_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20data.functional_area_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20data.professional_group_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20data.seniority_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20data.decision_maker_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20data.install_data_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20data.topic_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20data.interest_group_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20data.segment%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20data.b2b_interest_cluster_id%0A%20%20%20%20%20%20%20%20%20%20%20%20%5D.filter(Boolean).join('%2C')%3B%0A%20%20%20%20%20%20%20%20%20%20tmpSegment%20!%3D%20''%20%26%26%20googletag.pubads().setTargeting(%22bmb%22%2CtmpSegment.split('%2C'))%3B%0A%20%20%20%20%20%20%20%20%7D%0A%20%20%20%20%20%20%7D)%3B%0A%20%20%20%20%7D)%3B%0A%20%20%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22MARKETING%22%3E%0A%20%20%20%20(function%20(w%2Cd%2Ct)%20%7B%0A%20%20%20%20%20%20_ml%20%3D%20w._ml%20%7C%7C%20%7B%7D%3B%0A%20%20%20%20%20%20_ml.eid%20%3D%20'50096'%3B%0A%20%20%20%20%20%20var%20s%2C%20cd%2C%20tag%3B%20s%20%3D%20d.getElementsByTagName(t)%5B0%5D%3B%20cd%20%3D%20new%20Date()%3B%0A%20%20%20%20%20%20tag%20%3D%20d.createElement(t)%3B%20tag.async%20%3D%201%3B%0A%20%20%20%20%20%20tag.src%20%3D%20'https%3A%2F%2Fml314.com%2Ftag.aspx%3F'%20%2B%20cd.getDate()%20%2B%20cd.getMonth()%3B%0A%20%20%20%20%20%20s.parentNode.insertBefore(tag%2C%20s)%3B%0A%20%20%20%20%7D)(window%2Cdocument%2C'script')%3B%0A%20%20%20%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20id%3D%22assertive-yield-script%22%3E(()%3D%3E%7Bvar%20t%3D%7B47799%3A()%3D%3E%7Bwindow.assertive%3D%7Bdebug%3A!1%2CentityId%3A%22fJmQdGkAoGpJ6mei2%22%2Canalytics%3A%7Bintegrations%3A%7BwebAnalytics%3A!0%7D%2ClogUnfilled%3A!0%2Ccustom%3A%7Blayout%3Anull%2CuserState%3Anull%2Ccustom_1%3Anull%2Ccustom_2%3Anull%2Ccustom_3%3Anull%2Ccustom_4%3Anull%2Ccustom_5%3Anull%2Ccustom_6%3Anull%2Ccustom_7%3Anull%2Ccustom_8%3Anull%2Ccustom_9%3Anull%2Ccustom_10%3Anull%2Ccustom_11%3Anull%2Ccustom_12%3Anull%2Ccustom_13%3Anull%2Ccustom_14%3Anull%2Ccustom_15%3Anull%7D%7D%7D%3Bconst%20t%3Ddocument.createElement(%22script%22)%3Bt.async%3D!0%2Ct.src%3D%22https%3A%2F%2Ffjmqdgkaogpj6mei2.ay.delivery%2Ftest%2Fclient-businessinsider.js%22%2Cdocument.getElementsByTagName(%22head%22)%5B0%5D.appendChild(t)%7D%7D%2Cl%3D%7B%7D%3Bfunction%20u(e)%7Bvar%20n%3Dl%5Be%5D%3Bif(void%200!%3D%3Dn)return%20n.exports%3Bvar%20s%3Dl%5Be%5D%3D%7Bexports%3A%7B%7D%7D%3Breturn%20t%5Be%5D(s%2Cs.exports%2Cu)%2Cs.exports%7Du.m%3Dt%2Cu.c%3Dl%2Cu.o%3D(t%2Cl)%3D%3EObject.prototype.hasOwnProperty.call(t%2Cl)%2C(()%3D%3E%7Bu.S%3D%7B%7D%3Bvar%20t%3D%7B%7D%2Cl%3D%7B%7D%3Bu.I%3D(e%2Cn)%3D%3E%7Bn%7C%7C(n%3D%5B%5D)%3Bvar%20s%3Dl%5Be%5D%3Bif(s%7C%7C(s%3Dl%5Be%5D%3D%7B%7D)%2C!(n.indexOf(s)%3E%3D0))%7Bif(n.push(s)%2Ct%5Be%5D)return%20t%5Be%5D%3Bu.o(u.S%2Ce)%7C%7C(u.S%5Be%5D%3D%7B%7D)%3Bu.S%5Be%5D%3Bvar%20o%3D%5B%5D%3Breturn%20o.length%3Ft%5Be%5D%3DPromise.all(o).then((()%3D%3Et%5Be%5D%3D1))%3At%5Be%5D%3D1%7D%7D%7D)()%3Bu(47799)%7D)()%3B%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20id%3D%22sophi-script%22%3E(()%3D%3E%7Bvar%20e%3D%7B80254%3A()%3D%3E%7Bconst%20e%3Ddocument.querySelector('%5Bdata-component-type%3D%22paywall%22%5D')%2Cn%3D%7Btype%3A%22paywall%22%2Ccontainers%3A%5Be%5D%2CloadMarkup%3A%22paywall%2Ftemplate%22%7D%3Bfunction%20o()%7Breturn%20window.Fenrir.relationships.verticals%3F.data%5B0%5D%3F.id%7C%7C%22no-vertical%22%7Dfunction%20i()%7Breturn%20new%20URL(window.location.href).pathname.slice(1)%7Dwindow.Fenrir.console.log(%7Bnow%3Awindow.Fenrir.getTime()%2Cstep%3A%22sophi%20handlebars%20script%22%7D)%3Bconst%20r%3Ddocument.createElement(%22script%22)%3Br.onload%3Dfunction()%7Bwindow.Fenrir.console.log(%22Sophi%20SDK%20successfully%20loaded%22)%2Cwindow.Fenrir.cmd.push((()%3D%3E%7Bconst%20r%3D%22production%22%3D%3D%3Dwindow.Fenrir%3F.config%3F.fenrirEnv%3F%22www.businessinsider.com%22%3A%22www.sophi.io%22%3Bwindow.sophi.paywall.init(%7Bhostname%3Ar%2CgetSection%3Ao%2CgetContentId%3Ai%7D)%2C%22post%22%3D%3D%3Dwindow.Fenrir.type%26%26e%26%26window.Fenrir.loadComponent(n)%2Cwindow.sophi.paywall.getVisitInformation().then((e%3D%3E%7Bdelete%20e.timeZone%3Bconst%20n%3DObject.assign(%7Bevent%3A%22sophi_visit%22%7D%2Ce)%3Bwindow.dataLayer.push(n)%7D)).catch((()%3D%3E%7Bwindow.Fenrir.console.error(%22Sophi%20SDK%20config%20error%2C%20visit%20information%20not%20available%22)%7D))%7D))%7D%2Cr.onerror%3Dfunction()%7Bvar%20o%2Ci%2Cr%2Ct%2Ca%3Bo%3Dwindow%2Ci%3Ddocument%2Cr%3D%22script%22%2Ct%3D%22https%3A%2F%2Fwww.datadoghq-browser-agent.com%2Fus1%2Fv5%2Fdatadog-logs.js%22%2Co%3Do%5Ba%3D%22DD_LOGS%22%5D%3Do%5Ba%5D%7C%7C%7Bq%3A%5B%5D%2ConReady(e)%7Bo.q.push(e)%7D%7D%2C(a%3Di.createElement(r)).async%3D1%2Ca.src%3Dt%2C%5Bt%5D%3Di.getElementsByTagName(r)%2Ct.parentNode.insertBefore(a%2Ct)%2Cwindow.DD_LOGS.onReady((()%3D%3E%7Bwindow.DD_LOGS.init(%7BapplicationId%3A%224628eb2d-cce0-4291-8177-320688b29bfd%22%2CclientToken%3A%22pub8d2c9eae78a2fc5600c1ee978e7d0172%22%2Cservice%3A%22sophi-sdk%22%2Cenv%3Awindow.Fenrir.env%2CsampleRate%3A100%2CtelemetrySampleRate%3A0%2CsilentMultipleInit%3A!0%2CforwardErrorsToLogs%3A!1%7D)%3Bconst%20e%3D%22Sophi%20SDK%20failed%20to%20load%22%3Bwindow.DD_LOGS.logger.error(e)%2Cwindow.Fenrir.console.error(e)%7D))%2C%22post%22%3D%3D%3Dwindow.Fenrir.type%26%26e%26%26window.Fenrir.cmd.push((()%3D%3E%7Bwindow.Fenrir.loadComponent(n)%7D))%7D%2Cr.async%3D!0%2Cr.src%3D%22https%3A%2F%2Fcdn.sophi.io%2Fsdks%2Fpaywall%2F1%2Fstable%2Fmain.js%22%2Cdocument.getElementsByTagName(%22head%22)%5B0%5D.appendChild(r)%7D%7D%2Cn%3D%7B%7D%3Bfunction%20o(i)%7Bvar%20r%3Dn%5Bi%5D%3Bif(void%200!%3D%3Dr)return%20r.exports%3Bvar%20t%3Dn%5Bi%5D%3D%7Bexports%3A%7B%7D%7D%3Breturn%20e%5Bi%5D(t%2Ct.exports%2Co)%2Ct.exports%7Do.m%3De%2Co.c%3Dn%2Co.o%3D(e%2Cn)%3D%3EObject.prototype.hasOwnProperty.call(e%2Cn)%2C(()%3D%3E%7Bo.S%3D%7B%7D%3Bvar%20e%3D%7B%7D%2Cn%3D%7B%7D%3Bo.I%3D(i%2Cr)%3D%3E%7Br%7C%7C(r%3D%5B%5D)%3Bvar%20t%3Dn%5Bi%5D%3Bif(t%7C%7C(t%3Dn%5Bi%5D%3D%7B%7D)%2C!(r.indexOf(t)%3E%3D0))%7Bif(r.push(t)%2Ce%5Bi%5D)return%20e%5Bi%5D%3Bo.o(o.S%2Ci)%7C%7C(o.S%5Bi%5D%3D%7B%7D)%3Bo.S%5Bi%5D%3Bvar%20a%3D%5B%5D%3Breturn%20a.length%3Fe%5Bi%5D%3DPromise.all(a).then((()%3D%3Ee%5Bi%5D%3D1))%3Ae%5Bi%5D%3D1%7D%7D%7D)()%3Bo(80254)%7D)()%3B%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "first-party", script: "%3Cscript%20id%3D%22b2b-access-script%22%3E(()%3D%3E%7B%22use%20strict%22%3Bvar%20e%3D%7B11518%3A()%3D%3E%7Bconst%20e%3D(()%3D%3E%7Bfunction%20e(e)%7Bconst%20t%3Dnew%20RegExp(%60(%3F%3A%5E%7C%3B)(%3F%3A%5B%20s%5D*)(%3F%3A%24%7Be%7D%3D)(%5B%5E%3B%5D%2B)%60).exec(document.cookie)%3Breturn%20t%26%26t%5B1%5D%3Ft%5B1%5D%3Anull%7Dreturn%7Bget%3Ae%2Cset%3Afunction(e%2Ct%2Cn)%7Blet%20o%3D%22%22%3Bif(n)%7Bconst%20e%3Dnew%20Date%3Be.setTime(e.getTime()%2B60*n*60*24*1e3)%2Co%3D%60%3B%20expires%3D%24%7Be.toUTCString()%7D%60%7Ddocument.cookie%3D%60%24%7Be%7D%3D%24%7Bt%7D%24%7Bo%7D%3B%20path%3D%2F%60%7D%2Cclear%3Afunction(t)%7Bif(e(t))%7Bconst%20e%3Dnew%20Date%3Breturn%20document.cookie%3D%60%24%7Bt%7D%3D0%3Bexpires%3D%24%7Be.toUTCString()%7D%3B%20path%3D%2F%3B%60%2C!0%7Dreturn!1%7D%2CforToday%3Afunction(e%2Ct)%7Bconst%20n%3D%60%3B%20expires%3D%24%7Bnew%20Date((new%20Date).setHours(23%2C59%2C59%2C999)).toUTCString()%7D%60%3Bdocument.cookie%3D%60%24%7Be%7D%3D%24%7Bt%7D%24%7Bn%7D%3B%20path%3D%2F%60%7D%7D%7D)()%2Ct%3D%5B%22bide%22%2C%22binl%22%2C%22adobe%22%5D%3Bfunction%20n()%7Bdocument.querySelector(%22.account-icon-component.account-btn-not-logged-in%22).style.setProperty(%22display%22%2C%22none%22%2C%22important%22)%3Bdocument.querySelector(%22.subscribe-btn%3Anot(.subscribe-btn-logged-in)%22).style.setProperty(%22display%22%2C%22none%22%2C%22important%22)%7D(function()%7Bconst%20n%3Dnew%20URL(window.location.href)%2Co%3Dnew%20URLSearchParams(n.search)%2Cr%3Do.get(%22token%22)%2Ci%3Do.get(%22source%22)%3Br%26%26i%26%26t.includes(i)%26%26(o.delete(%22token%22)%2Co.delete(%22source%22)%2Cwindow.history.replaceState(null%2C%22%22%2C%60%24%7Bn.pathname%7D%3F%24%7Bo.toString()%7D%60)%2Ce.set(%22IR%22%2C%22F%22%2C90)%2Ce.set(%22b2b_as%22%2Ci%2C31)%2Ce.set(%22_pc_bipf%22%2C1%2C31))%7D)()%2Ce.get(%22b2b_as%22)%26%26requestAnimationFrame(n)%7D%7D%2Ct%3D%7B%7D%3Bfunction%20n(o)%7Bvar%20r%3Dt%5Bo%5D%3Bif(void%200!%3D%3Dr)return%20r.exports%3Bvar%20i%3Dt%5Bo%5D%3D%7Bexports%3A%7B%7D%7D%3Breturn%20e%5Bo%5D(i%2Ci.exports%2Cn)%2Ci.exports%7Dn.m%3De%2Cn.c%3Dt%2Cn.o%3D(e%2Ct)%3D%3EObject.prototype.hasOwnProperty.call(e%2Ct)%2C(()%3D%3E%7Bn.S%3D%7B%7D%3Bvar%20e%3D%7B%7D%2Ct%3D%7B%7D%3Bn.I%3D(o%2Cr)%3D%3E%7Br%7C%7C(r%3D%5B%5D)%3Bvar%20i%3Dt%5Bo%5D%3Bif(i%7C%7C(i%3Dt%5Bo%5D%3D%7B%7D)%2C!(r.indexOf(i)%3E%3D0))%7Bif(r.push(i)%2Ce%5Bo%5D)return%20e%5Bo%5D%3Bn.o(n.S%2Co)%7C%7C(n.S%5Bo%5D%3D%7B%7D)%3Bn.S%5Bo%5D%3Bvar%20c%3D%5B%5D%3Breturn%20c.length%3Fe%5Bo%5D%3DPromise.all(c).then((()%3D%3Ee%5Bo%5D%3D1))%3Ae%5Bo%5D%3D1%7D%7D%7D)()%3Bn(11518)%7D)()%3B%3C%2Fscript%3E" });</script> <style> /** * Font-family declarations * * 99% of the time you won't need to add your selector here. * Read the Fenrir Wiki about how to work with fonts: * https://github.com/businessinsider/fenrir/wiki/CSS-Fonts */ .headline-regular /* utility class */ { font-family: Helvetica, Arial, sans-serif; font-weight: 400; font-style: normal; } .headline-regular-italic /* utility class */ { font-family: Helvetica, Arial, sans-serif; font-weight: 400; font-style: italic; } h1, h2, h3, h4, h5, h6, .typography h1 strong:not(.ignore-typography strong), .typography h2 strong:not(.ignore-typography strong), .typography h3 strong:not(.ignore-typography strong), .typography h4 strong:not(.ignore-typography strong), .typography h5 strong:not(.ignore-typography strong), .typography h6 strong:not(.ignore-typography strong), .typography .summary-list, .typography .summary-list li, .typography .summary-list strong, .typography .read-more-links li:first-child, .typography .read-more-links li:first-child strong, .is-enhanced .typography p.drop-cap::first-letter, .headline-semibold /* utility class */, .headline-semibold.ignore-typography /* utility class */ { font-family: Helvetica, Arial, sans-serif; font-weight: 900; font-style: normal; } .typography h1 em:not(.ignore-typography em), .typography h2 em:not(.ignore-typography em), .typography h3 em:not(.ignore-typography em), .typography h4 em:not(.ignore-typography em), .typography h5 em:not(.ignore-typography em), .typography h6 em:not(.ignore-typography em), .typography .summary-list li em, .headline-semibold-italic /* utility class */ { font-family: Helvetica, Arial, sans-serif; font-weight: 900; font-style: italic; } .typography:not(.ignore-typography), /* TODO: Use the utility class instead of element selectors */ .typography .ecm .summary-list li, .body-regular /* utility class */ { font-family: Georgia, Times, serif; font-weight: 400; font-style: normal; } /* TODO: Use the utility class instead of element selectors */ .category-tagline p, .typography .blockquote, .typography em:not(.ignore-typography em), .body-italic /* utility class */ { font-family: Georgia, Times, serif; font-weight: 400; font-style: italic; } .typography strong:not(.ignore-typography strong), .body-bold /* utility class */ { font-family: Georgia, Times, serif; font-weight: 600; font-style: normal; } .typography em strong:not(h2 *):not(h3 *):not(h4 *):not(h5 *):not(h6 *):not(.ignore-typography strong), .typography strong:not(h2 *):not(h3 *):not(h4 *):not(h5 *):not(h6 *):not(.ignore-typography strong) em, .body-bold-italic /* utility class */ { font-family: Georgia, Times, serif; font-weight: 600; font-style: italic; } </style> <link rel="stylesheet" href="/styles/fonts-async.b3b0a1b2da8c42cd7be6.css" media="print" onload="this.media='all'; this.onload=null;" > <script> window.initialDataLayer = {"pageType":"post","postID":"66a0056dc79d31931d82a64d","postURI":"personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review","publisher":"","editor":"Sarah Silbert","vertical":"yourmoney","author":"Katherine Fan|Angela Fung","category":"Credit Cards|Credit card review|Chase Sapphire Reserve|Chase Pay Yourself Back|PFI Short Code|PFI Product Card|Credit card LTO|pfi|FAQ Page|PFI TPG|PFI TPG social|Crystal Cox|TOC-jump-to|PFI Featured Products|PFI Amex Insurance|PFI Reviews|PFI Click Table|PFI Capital One|Personal Finance Insider|PFI Reviews Report","dateModified":"2024-10-25","datePublished":"2024-10-15","wordCount":3277,"abTest":"|ctc:c|","secondaryVerticals":"pfi-credit-cards","theme":"default"}; </script> <script id="gtm-config-script">(()=>{var e={20560:(e,a,t)=>{"use strict";var r=t(667),n=t.n(r);(()=>{function e(){window.dataLayer=window.dataLayer||[];for(var e=arguments.length,a=new Array(e),t=0;t<e;t++)a[t]=arguments[t];window.dataLayer.push({...a})}const a={analytics_storage:"TCF"===window.Fenrir.privacyApi?"denied":"granted",ad_storage:"TCF"===window.Fenrir.privacyApi?"denied":"granted",ads_data_redaction:"TCF"===window.Fenrir.privacyApi};let t=window.localStorage.getItem("fenrir-ga-consent");try{if(t=JSON.parse(t),!["granted","denied"].includes(t.analytics_storage)||!["granted","denied"].includes(t.ad_storage)||![!0,!1].includes(t.ads_data_redaction))throw new Error("invalid fenrir-ga-consent value");a.analytics_storage=t.analytics_storage,a.ad_storage=t.ad_storage,a.ads_data_redaction=t.ads_data_redaction}catch(e){}window.localStorage.setItem("fenrir-ga-consent",JSON.stringify(a));const{analytics_storage:r,ad_storage:i,ads_data_redaction:s}=a;e("consent","default",{analytics_storage:r,ad_storage:i,wait_for_update:500}),e("set","ads_data_redaction",s);const o=window.initialDataLayer||{};localStorage.getItem("email_hashes")&&(o.userPhase="user"),"bi"===window.Fenrir.config.identifier&&(o.userAgent=window.navigator.userAgent,o.timeZone=Intl.DateTimeFormat().resolvedOptions().timeZone);const d=localStorage.getItem("profile");if(d){o.userPhase="account";const{subscriptionId:e,insiderId:a,hasPrime:t}=(e=>{const a=JSON.parse(e),{"https://insider/subscriptionId":t,"https://insider/memberId":r,"https://insider/hasPrime":n}=a;return{subscriptionId:t,insiderId:r,hasPrime:n}})(d);e&&(o.subscriptionId=e),1===t&&(o.userPhase="subscriber"),a&&(o.insiderId=a)}const c=localStorage.getItem("universal_id");if(c)o.universalId=c;else{const e=n()();localStorage.setItem("universal_id",e),o.universalId=e}window.dataLayer=window.dataLayer||[],window.dataLayer.push(o),window.dataLayer.push({"gtm.start":(new Date).getTime(),event:"gtm.js"})})()},667:e=>{e.exports=()=>{try{return crypto.randomUUID()}catch(e){return"xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx".replace(/[xy]/g,(e=>{const a=16*Math.random()|0;return("x"===e?a:3&a|8).toString(16)}))}}}},a={};function t(r){var n=a[r];if(void 0!==n)return n.exports;var i=a[r]={exports:{}};return e[r](i,i.exports,t),i.exports}t.m=e,t.c=a,t.n=e=>{var a=e&&e.__esModule?()=>e.default:()=>e;return t.d(a,{a}),a},t.d=(e,a)=>{for(var r in a)t.o(a,r)&&!t.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:a[r]})},t.o=(e,a)=>Object.prototype.hasOwnProperty.call(e,a),(()=>{t.S={};var e={},a={};t.I=(r,n)=>{n||(n=[]);var i=a[r];if(i||(i=a[r]={}),!(n.indexOf(i)>=0)){if(n.push(i),e[r])return e[r];t.o(t.S,r)||(t.S[r]={});t.S[r];var s=[];return s.length?e[r]=Promise.all(s).then((()=>e[r]=1)):e[r]=1}}})();t(20560)})();</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review"},"editor":{"@type":"Person","name":"Sarah Silbert"},"author":[{"@type":"Person","name":"Katherine Fan","sameAs":"https://www.businessinsider.com/author/katherine-fan"},{"@type":"Person","name":"Angela Fung","sameAs":"https://www.businessinsider.com/author/angela-fung"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"My 2024 Chase Sapphire Reserve review: Best credit card travel insurance","alternativeHeadline":"Why I recommend the Chase Sapphire Reserve to anyone who values adventure and luxury travel as much as I do","image":{"@type":"ImageObject","url":"https://i.insider.com/670ee3473f2165d716e192ae?width=1200&format=jpeg","width":1200,"height":900},"name":"Why I recommend the Chase Sapphire Reserve to anyone who values adventure and luxury travel as much as I do","datePublished":"2024-10-15T21:59:08Z","dateModified":"2024-10-25T19:01:07Z","description":"The Chase Sapphire Reserve offers an easy-to-use $300 travel credit each year, and comes with one of the best travel insurance policies I've ever had.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.I have several premium credit cards in my wallet. The Chase Sapphire Reserve® card earns a place among them thanks to benefits like the best credit card travel insurance I've found, and the value I place on Chase Ultimate Rewards.The Chase Sapphire Reserve® is one of the best travel rewards credit cards of all time, and previously held Business Insider's top-choice title of \"best travel card overall\". But after Chase increased the card's annual fee to $550 in 2020, our credit card experts demoted it in favor of its mid-tier sibling, the Chase Sapphire Preferred® Card.In my opinion, the Chase Sapphire Reserve® is perfect for foodies who value luxury or adventure and travel at least three times a year, especially if one of those trips is international.While this card's annual fee is costly and may not be the best for everyone, I've had it for over six years and plan on keeping it for several reasons I'll dive into below.Earn 5x 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 & 1x point per $1 spent on all other purchases.$550N/A21.99% - 28.99% VariableEarn 60,000 bonus pointsGood to ExcellentIf you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.The Chase Sapphire Reserve® earns Chase Ultimate Rewards points, which are some of the most valuable credit card rewards in the points and miles ecosystem. According to Business Insider's points valuations, Ultimate Rewards have an average value of 1.8 cents apiece.I have half a dozen Chase cards that earn Ultimate Rewards points, but my Chase Sapphire Reserve® is the \"one card to rule them all.\"I funnel points earned from my other cards to the Chase Sapphire Reserve® for additional value, either by sending them to Chase Ultimate Rewards point transfer partners or by redeeming them through Chase Travel℠ for 1.5 cents apiece. The other Ultimate Rewards-earning cards in my wallet include the Ink Business Preferred® Credit Card, Ink Business Unlimited® Credit Card, Ink Business Cash® Credit Card, Chase Freedom Unlimited®, and Chase Freedom Flex® \n .Earning a welcome bonus is the quickest way to jump-start or boost your stash of points. The Chase Sapphire Reserve® currently offers a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. This bonus is worth $1,080 in travel when you transfer points to airline and hotel partners, according to Business Insider's valuations.I personally think this bonus is just average in the world of credit card welcome offers, sometimes also called sign-up bonuses. While some credit cards are worth opening for the welcome offer alone, I typically earn this many points on my card each year just by using my Chase Sapphire Reserve® for all dining and travel expenses. Pro tip: The Sapphire credit cards have some of the strictest restrictions within the Chase family. If you already have the Chase Sapphire Preferred® Card, you can't also get a Chase Sapphire Reserve® (or vice versa); you'll need to downgrade or cancel the card you already have. You also won't be eligible for a new welcome bonus if you got your last Sapphire card within the past 48 months (four years).I can transfer points from my Chase Sapphire Reserve® and other Chase cards to more than a dozen of the world's best-known airlines and hotels:I regularly transfer points to Air Canada, Southwest, United, and Hyatt, and semi-occasionally use Air France-KLM and Virgin Atlantic. In my six years as a Chase Sapphire Reserve® cardholder, the only partners I haven't utilized have been Aer Lingus and Iberia. Despite the high annual fee, the Chase Sapphire Reserve® has a lot to offer. The \"best\" perk is also the most technical benefit to discuss. Nobody gets excited about insurance, but it's one of the best blessings in the world in the unlucky chance that you need it. The Chase Sapphire Reserve®'s travel insurance is among the most generous travel insurance coverage of any credit card, so it's a great choice for booking flights and other transportation.I highly value the travel insurance and purchase coverage that comes with this credit card. In fact, a single claim from a 2018 trip saved me more than $1,800 out of pocket on a chaotic three-week Italy trip.I've reviewed a number of travel insurance plans and providers throughout my career and have even purchased annual travel insurance policies in the past. However, the travel insurance from the Chase Sapphire Reserve® has covered 95% of my needs. This card offers primary rental car insurance when I use the card to pay for a rental car. Primary coverage means that I don't need to file claims for damage, loss, or collisions through my personal auto insurance policy, as long as I've paid for the rental car with my Chase Sapphire Reserve®.Liability insurance isn't included in this benefit, so you may still want to purchase liability coverage through the rental car company. Pro tip: As of October 2024, New York state residents with auto insurance policies are no longer eligible for primary coverage on rental cars although you'll still have secondary coverage. If you live in New York but don't have a car insurance policy, you still qualify for primary rental car protection. Trip Interruption/Cancellation InsuranceIf you've paid for an eligible trip with the card and it's cut short or canceled for a covered reason such as illness or severe weather, you can be reimbursed up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses.I used this benefit to help me rebook travel from Chicago to Venice in 2018, when my original flight was canceled altogether. Although United helped me get a new flight to Rome, I lost my original flight from Rome to Venice in the shuffle. The insurance from my Chase Sapphire Reserve® covered the cost of booking a new flight. Trip Delay InsuranceIf you pay for travel with this card, your trip delay insurance benefit can reimburse you up to $500 per ticket for hotel rooms, food, toiletries, clothes, or other reasonable expenses when your flight is delayed overnight or by six hours or more.It also helped me pay for new train tickets and a hotel in Florence when a train strike derailed my itinerary halfway through the trip. If you pay for your trip with the card and your bags are delayed for six hours or more, you could be reimbursed for essential purchases (like clothing and toiletries) up to $100 per day for up to five days.This benefit helped me replace several hundred dollars of lost clothing during the Italy trip when my bags were stranded on a different plane due to summer thunderstorms. It took six days for my luggage to reach me, during which I maxed out the $500 allowance. If the airline damages or loses your bags, you and your immediate family members could be covered for up to $3,000 per passenger if you've paid for your tickets with the card.This clause of the Chase Sapphire Reserve®'s travel insurance benefits has helped me replace two separate suitcases at different times: Once for a cracked shell, and once for a broken telescoping handle. I've never had to use any of the following benefits (knock on wood). But they're always great to know about, just in case:Pro tip: The Chase Sapphire Preferred® Card has a much lower annual fee of $95, and comes with most of these travel insurance benefits, sometimes with lower tiers of coverage. For the price point, that card is a far better deal for most people who want some backup protection but who don't travel frequently enough to justify a premium card like the Chase Sapphire Reserve®Read more in our Chase Sapphire Preferred card review, or look at our Chase Sapphire Preferred vs. Reserve card comparison to see which one makes the most sense for your own travel and financial needs. I've been a Lyft-exclusive rider since 2018, thanks to the partnership between Chase and Lyft. Because I earn 10 Chase points per dollar on Lyft transactions when I pay with the Chase Sapphire Reserve®, I only use Uber when I'm traveling abroad or have a discount code (or credit card benefit). As a Chase Sapphire Reserve® cardholder, I also get two years of complimentary Lyft Pink All Access membership. This is Lyft's most premium membership plan, worth $199 per year, and comes with excellent perks such as member-exclusive pricing, cancellation forgiveness, priority pickup upgrades, unlimited bike rides, and more. Chase Sapphire Reserve® cardholders get special privileges on Avis, National, and Silvercar car rentals, including complimentary elite status. Benefits vary between the three companies but typically include a car class upgrade, easy pick-up/drop-off, discounts, savings on luxury and premium cars, and special promotionsI don't use these benefits often, but my friends who have kids or specific rental vehicle requirements tell me that the Chase Sapphire Reserve®'s rental car benefits are very valuable for them. Every year, the Chase Sapphire Reserve® gives me a travel credit that applies to the first $300 I spend on subways, taxis, ridesharing, and parking, as well as hotels, airfare, and cruises. The statement credit automatically appears next to any eligible transaction I pay with this card.The Chase Sapphire Reserve® offers cardholders complimentary DashPass membership for waived delivery fees on qualifying orders. I'll have this benefit through December 31, 2027, and I had to enroll through my Chase account dashboard to receive this benefit.As of summer 2024, my card now includes a $5 monthly DoorDash credit that works on restaurant orders. These credits expire every three months, so I can accumulate up to $15 in credit before I redeem them (or they expire).I also get two monthly $10 DoorDash credits for grocery or convenience store orders that can't be used at restaurants. In most cases, the added cost of delivery and service fees negates the $10 savings, but I've occasionally ordered green juice for pickup from my local 7-Eleven to use up the credit. Having access to airport lounges is one of my favorite perks of the Chase Sapphire Reserve®. Lounges are comfortable, relaxing, and exclusive areas where you can enjoy comfortable seats, an internet connection, food and drinks — often complimentary — and other amenities on occasion. The Chase Sapphire Reserve® is the original card that helped me get Priority Pass for free. My Priority Pass Select membership lets me bring two guests with me to any lounge — a fringe benefit that's fantastic for families or couples. This benefit far less useful than I did several years ago, because I now have three credit cards that come with Priority Pass access. While I still find the Chase Sapphire Reserve® very valuable, it feels extravagant to triple-pay for a pricy benefit I can only use once at a time. Pro tip: If you want to share Priority Pass access with family members who don't travel with you, check out my Capital One Venture X Rewards credit card review to see how I juice five airport lounge memberships out of a single premium credit card. And if you aren't sure which card to get, read our comparison of the Capital One Venture X and Chase Sapphire Reserve credit cards.In 2022, Chase began launching a proprietary portfolio of Chase Sapphire Lounges in airports worldwide that are available to Chase Sapphire Reserve® cardholders and all Priority Pass members. My home airport, Austin, has a Chase Sapphire Terrace — a unique little space you won't find anywhere else in the world. This location is only available to Chase Sapphire Reserve® cardholders; Priority Pass members can't enter. This sliver of indoor/outdoor space is exclusive to Chase Sapphire Reserve® cardholders, and only offers to-go snacks, Farmer's Fridge vending machine meals like salads, pastas, and sandwiches, and canned beverages (both alcoholic and non-alcoholic). There's a single-stall bathroom on the outdoor patio, eight indoor seats, and an open-air patio space overlooking the Delta end of the tarmac.The space isn't particularly luxurious or reflective of the other Chase Sapphire Lounges, but we have some of the sweetest staff members I've ever met. There aren't any outlets, but you can ask the check-in desk for a portable charger to juice up your devices before travel. The Chase Sapphire Reserve® offers a statement credit of up to $120 for Global Entry, TSA PreCheck®, or NEXUS enrollment. This benefit is available once every four years, and membership in any of these programs is valid for up to five years — so if you keep this card open, you'll always have a credit available when you need to renew your membership. Thanks to this credit card, I have both TSA Precheck and Global Entry, which includes TSA PreCheck enrollment. Award travel aficionados have mixed reviews when it comes to booking travel through your credit card company. In many cases, I get the best rates and customer service by booking travel directly through the airline or hotel chain. But from time to time, I use the Chase Travel℠ portal when I don't want to spend any money out of pocket.Chase Travel℠ works just like any other online travel agency (OTA) — and when I pay with my Chase Sapphire Reserve® but use points at checkout, I get a 50% bonus, where each point is worth 1.5 cents instead of the standard 1 point apiece. I typically book travel through Chase Travel℠ when I need to book a direct domestic flight in cash, but don't want to pay for it out of pocket.You'll need a credit score of at least 670 to get the Chase Sapphire Reserve®. Most people who are approved for the Chase Sapphire Reserve® have a credit score in the good to excellent range, meaning a FICO score of at least 670. You need a credit score above 700 to open most travel credit cards. The Chase Sapphire Reserve® is worth it if you're a frequent traveler who will maximize the card's credits and benefits. A frequent traveler can easily save $1,000 per year with the Chase Sapphire Reserve®. But if you don't think you'll be able to use these benefits, you'll likely do better with the Chase Sapphire Preferred® Card. The Chase Sapphire Reserve® is good for frequent travelers who can make the most of its benefits, especially the annual travel credit and airport lounge access. If you won't book paid travel through Chase and don't travel through airports with Priority Pass lounges, you might want to consider a different, less expensive, travel card.The Chase Sapphire Reserve® is only hard to get if you meet the following criteria: You have opened five or more cards in the past 24 months from any bank (excluding most small-business credit cards), known as the Chase 5/24 rule; you currently hold any flavor of Chase Sapphire card; or your credit score is below 670. You won't be eligible for its bonus if you've received a Sapphire bonus within the past 48 months.You can add an authorized user to your Chase Sapphire Reserve® through your online account. There's a $75 fee for each authorized user, but they'll get their own Priority Pass Select membership and get access to travel insurance and other benefits when they use their card.I've been writing about credit cards for nearly a decade at this point, and have held premium and entry-level credit cards for many years before that.I reviewed the Chase Sapphire Reserve® by comparing it against similar premium credit cards, and assessed its merits based on the following factors:Here's a guide to how we rate credit cards at Business Insider for closer look at our methodology.","articleSection":"Personal Finance, Credit Cards","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What credit score do you need to get the Chase Sapphire Reserve®?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You'll need a credit score of at least 670 to get the Chase Sapphire Reserve®. Most people who are approved for the Chase Sapphire Reserve® have a credit score in the good to excellent range, meaning a FICO score of at least 670. You need a credit score above 700 to open most travel credit cards. </p>"}},{"@type":"Question","name":"Is the Chase Sapphire Reserve® card worth it?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Chase Sapphire Reserve® is worth it if you're a frequent traveler who will maximize the card's credits and benefits. A frequent traveler can easily save $1,000 per year with the Chase Sapphire Reserve®. But if you don't think you'll be able to use these benefits, you'll likely do better with the Chase Sapphire Preferred® Card. </p>"}},{"@type":"Question","name":"Who is the Chase Sapphire Reserve® good for?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Chase Sapphire Reserve® is good for frequent travelers who can make the most of its benefits, especially the annual travel credit and airport lounge access. If you won't book paid travel through Chase and don't travel through airports with Priority Pass lounges, you might want to consider a different, less expensive, travel card.</p>"}},{"@type":"Question","name":"Is the Chase Sapphire Reserve® hard to get?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Chase Sapphire Reserve® is only hard to get if you meet the following criteria: You have opened five or more cards in the past 24 months from any bank (excluding most small-business credit cards), known as the <a href=\"https://www.businessinsider.com/personal-finance/credit-cards/what-is-chase-524-rule\" rel=\"noopener\" data-analytics-product-module=\"body_link\">Chase 5/24 rule;</a> you currently hold any flavor of Chase Sapphire card; or your credit score is below 670. You won't be eligible for its bonus if you've received a Sapphire bonus within the past 48 months.</p>"}},{"@type":"Question","name":"How do I add an authorized user to my Chase Sapphire Reserve®?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can add an authorized user to your Chase Sapphire Reserve® through your online account. There's a $75 fee for each authorized user, but they'll get their own Priority Pass Select membership and get access to travel insurance and other benefits when they use their card.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"ItemList","numberOfItems":1,"itemListElement":[{"@context":"http://schema.org","@type":"ListItem","position":1,"item":{"@context":"http://schema.org","@type":"Product","name":"Chase Sapphire Reserve®","image":"https://i.insider.com/65cb9b8bf533b039a882f01f?width=400","brand":"Chase","url":"https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review#5e72234fc48540106c2d63b3","review":[{"@type":"Review","author":[{"@type":"Person","name":"Katherine Fan","sameAs":"https://www.businessinsider.com/author/katherine-fan"},{"@type":"Person","name":"Angela Fung","sameAs":"https://www.businessinsider.com/author/angela-fung"}],"datePublished":"2024-10-15T21:59:08Z","reviewRating":[{"@type":"Rating","bestRating":5,"ratingValue":4.4,"worstRating":0}]}]}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-cards","name":"Credit Cards"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review","name":"Why I recommend the Chase Sapphire Reserve to anyone who values adventure and luxury travel as much as I do"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22ANALYTICS%22%20type%3D%22text%2Fjavascript%22%3E!function()%7B%22use%20strict%22%3Bfunction%20e(e)%7Bvar%20t%3D!(arguments.length%3E1%26%26void%200!%3D%3Darguments%5B1%5D)%7C%7Carguments%5B1%5D%2Cc%3Ddocument.createElement(%22script%22)%3Bc.src%3De%2Ct%3Fc.type%3D%22module%22%3A(c.async%3D!0%2Cc.type%3D%22text%2Fjavascript%22%2Cc.setAttribute(%22nomodule%22%2C%22%22))%3Bvar%20n%3Ddocument.getElementsByTagName(%22script%22)%5B0%5D%3Bn.parentNode.insertBefore(c%2Cn)%7D!function(t%2Cc)%7B!function(t%2Cc%2Cn)%7Bvar%20a%2Co%2Cr%3Bn.accountId%3Dc%2Cnull!%3D%3D(a%3Dt.marfeel)%26%26void%200!%3D%3Da%7C%7C(t.marfeel%3D%7B%7D)%2Cnull!%3D%3D(o%3D(r%3Dt.marfeel).cmd)%26%26void%200!%3D%3Do%7C%7C(r.cmd%3D%5B%5D)%2Ct.marfeel.config%3Dn%3Bvar%20i%3D%22https%3A%2F%2Fsdk.mrf.io%2Fstatics%22%3Be(%22%22.concat(i%2C%22%2Fmarfeel-sdk.js%3Fid%3D%22).concat(c)%2C!0)%2Ce(%22%22.concat(i%2C%22%2Fmarfeel-sdk.es5.js%3Fid%3D%22).concat(c)%2C!1)%7D(t%2Cc%2Carguments.length%3E2%26%26void%200!%3D%3Darguments%5B2%5D%3Farguments%5B2%5D%3A%7B%7D)%7D(window%2C3378%2C%7B%7D%20%2F*%20Config%20*%2F)%7D()%3B%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20id%3D%22meta-pixel-script%22%3E(()%3D%3E%7Bvar%20e%3D%7B69531%3A()%3D%3E%7Bvar%20e%2Cr%2Cn%2Ct%2Co%2Ci%3Bfunction%20s()%7Bwindow.Fenrir%3F.cm%3F.usPrivacyApplies%26%26%22ACCEPT%22%3D%3D%3Dwindow.Fenrir%3F.cm%3F.userConsent.OPT_OUT%3Ffbq(%22dataProcessingOptions%22%2C%5B%22LDU%22%5D%2C0%2C0)%3Afbq(%22dataProcessingOptions%22%2C%5B%5D)%2Cfbq(%22init%22%2C%221988166924554892%22)%2Cfbq(%22track%22%2C%22PageView%22)%7De%3Dwindow%2Cr%3Ddocument%2Cn%3D%22script%22%2Ce.fbq%7C%7C(t%3De.fbq%3Dfunction()%7Bt.callMethod%3Ft.callMethod.apply(t%2Carguments)%3At.queue.push(arguments)%7D%2Ce._fbq%7C%7C(e._fbq%3Dt)%2Ct.push%3Dt%2Ct.loaded%3D!0%2Ct.version%3D%222.0%22%2Ct.queue%3D%5B%5D%2C(o%3Dr.createElement(n)).async%3D!0%2Co.src%3D%22https%3A%2F%2Fconnect.facebook.net%2Fen_US%2Ffbevents.js%22%2C(i%3Dr.getElementsByTagName(n)%5B0%5D).parentNode.insertBefore(o%2Ci))%2Cwindow.Fenrir%3F.cm%3F.cmStarted%26%26window.Fenrir%3F.cm%3F.userConsent%3Fs()%3AsetTimeout(s%2C1e3)%7D%7D%2Cr%3D%7B%7D%3Bfunction%20n(t)%7Bvar%20o%3Dr%5Bt%5D%3Bif(void%200!%3D%3Do)return%20o.exports%3Bvar%20i%3Dr%5Bt%5D%3D%7Bexports%3A%7B%7D%7D%3Breturn%20e%5Bt%5D(i%2Ci.exports%2Cn)%2Ci.exports%7Dn.m%3De%2Cn.c%3Dr%2Cn.o%3D(e%2Cr)%3D%3EObject.prototype.hasOwnProperty.call(e%2Cr)%2C(()%3D%3E%7Bn.S%3D%7B%7D%3Bvar%20e%3D%7B%7D%2Cr%3D%7B%7D%3Bn.I%3D(t%2Co)%3D%3E%7Bo%7C%7C(o%3D%5B%5D)%3Bvar%20i%3Dr%5Bt%5D%3Bif(i%7C%7C(i%3Dr%5Bt%5D%3D%7B%7D)%2C!(o.indexOf(i)%3E%3D0))%7Bif(o.push(i)%2Ce%5Bt%5D)return%20e%5Bt%5D%3Bn.o(n.S%2Ct)%7C%7C(n.S%5Bt%5D%3D%7B%7D)%3Bn.S%5Bt%5D%3Bvar%20s%3D%5B%5D%3Breturn%20s.length%3Fe%5Bt%5D%3DPromise.all(s).then((()%3D%3Ee%5Bt%5D%3D1))%3Ae%5Bt%5D%3D1%7D%7D%7D)()%3Bn(69531)%7D)()%3B%3C%2Fscript%3E" });</script> <link rel="stylesheet" href="/styles/post-page.453902b812bbdb6fd140.css" media="all" > <style id="styles-loaded" data-loaded="table-of-contents,financial-product-card,rich-tooltip,star-rating,pros-and-cons,collapsable-faq,featured-products,hub-nav,back-to-top,drawer,logout-button,account-icon,share,sticky-toc,content-lock,footer,jumper">.toc-header{color:#76767a;font-size:.5rem;letter-spacing:.01625rem;line-height:.75rem;margin:0 0 0 20px;text-transform:uppercase}.toc-line a.toc-item{color:#0a0a0a;font-size:.75rem;letter-spacing:.0125rem;line-height:1.0625rem}.toc-line a.toc-item:hover{box-shadow:0 1px 0 0 #0a0a0a;color:#0a0a0a;text-decoration:none}.table-of-contents li.toc-line{margin:16px 0 16px 20px}.table-of-contents li.toc-line:last-child{margin:16px 0 0 20px}.table-of-contents .toc-list-items{list-style-type:none;margin:0;padding:0}hr.toc-hr{background-color:#0a0a0a;border:none;height:2px;margin-left:auto;margin-right:auto;margin-top:40px;width:100%}@media (min-width:960px){.toc-header{font-size:.625rem;line-height:.875rem}.toc-line a.toc-item{font-size:1rem;line-height:1.375rem}.table-of-contents li.toc-line{margin:18px 0 18px 20px}.table-of-contents li.toc-line:last-child{margin:18px 0 0 20px}hr.toc-hr{margin-top:52px}}.financial-product-card{border:1px solid #cecece;border-radius:5px;font-size:1rem;line-height:1.5;margin:16px 0;padding:24px;scroll-margin-top:60px}.financial-product-card__grid-container{display:grid;grid-template-areas:"title" "card" "cta" "perks" "specs";grid-template-columns:1fr;grid-template-rows:auto;margin-bottom:36px;row-gap:24px}.financial-product-card .product-label-container{margin-bottom:8px}.financial-product-card__product-title{color:var(--black);font-size:1rem;font-style:normal;grid-area:title;line-height:135%;margin-bottom:0}.financial-product-card__cta-container{grid-area:cta}.financial-product-card__card-container{grid-area:card}.financial-product-card__card-image{display:block;height:auto;margin-bottom:16px}.financial-product-card__card-image img{max-height:100%;object-fit:contain;width:99%}.financial-product-card__card-image__bg{background-color:#fff}.financial-product-card__card-image-suppressed{background-color:#faf7f5;height:145px;width:inherit}.financial-product-card__terms-container{align-items:baseline;column-gap:16px;display:flex;flex-wrap:wrap;justify-content:center}.financial-product-card__footer{font-size:.75rem;line-height:1.65}.financial-product-card__footer__link:link{color:#002aff;text-decoration:underline;text-wrap:nowrap}.financial-product-card__footer__link:link:hover,.financial-product-card__footer__link:visited{color:#002aff}.financial-product-card .financial-product-card__accent-button{background-color:#002aff;border-radius:100px;color:var(--white);display:block;font-size:.8125rem;height:46px;letter-spacing:.56px;line-height:46px;margin-bottom:8px;text-align:center;text-transform:capitalize;width:100%}.financial-product-card .financial-product-card__accent-button:hover{background-color:#02c;color:var(--white)}.financial-product-card .financial-product-card__accent-button svg{position:relative;top:-2px}.financial-product-card__issuer{color:#31313b;font-size:.75rem;text-align:center}.financial-product-card__star-container{align-items:start;column-gap:8px;display:flex}.financial-product-card__star-container .financial-product-card__star-container__label{font-size:.875rem;line-height:1.25;text-wrap:nowrap}.financial-product-card__star-container .rich-tooltip{margin-bottom:0;margin-left:-4px}.financial-product-card__star-rating{font-size:.5rem;stroke-width:2px}.financial-product-card__rating_value{color:#31313b;font-size:.75rem;line-height:1.25;margin-left:-4px}.financial-product-card__perks-banner{background-color:#faf7f5;border-radius:10px;column-gap:16px;display:flex;grid-area:perks;padding:16px}.financial-product-card__perks-banner__perks-icon{margin-top:-4px;min-width:24px}.financial-product-card__perks-banner__title{align-items:center;display:flex;font-size:.875rem;margin-bottom:4px}.financial-product-card__perks-banner .financial-product-card__perks-banner__text,.financial-product-card__perks-banner .financial-product-card__perks-banner__text.headline-regular{color:#31313b;font-size:.875rem;line-height:135%;margin:0}.financial-product-card__specs{column-gap:16px;display:grid;font-size:.875rem;grid-area:specs;grid-template-columns:1fr;row-gap:24px}.financial-product-card__specs .financial-product-card__specs__title{color:var(--black);font-size:.875rem;line-height:135%}.financial-product-card__specs .financial-product-card__specs__text,.financial-product-card__specs .financial-product-card__specs__text.headline-regular{color:#31313b;font-size:.875rem;line-height:135%;margin:0}.financial-product-card .financial-product-card__collapse-button{background:transparent;border:none;color:#002aff;cursor:pointer;display:inline-block;font-size:.875rem;margin:12px auto 0;text-decoration:none}.financial-product-card .financial-product-card__collapse-button svg{margin-left:4px}.financial-product-card .financial-product-card__collapse-button-container{text-align:center}.financial-product-card .financial-product-card__collapse-button:hover{color:#02c;text-decoration:underline}.financial-product-card__collapsable-area{grid-area:collapsable-area;margin-top:16px}.financial-product-card__collapsable-area>div{border-top:1px solid #cecece;padding:24px 0}.financial-product-card__editorial-opinion{line-height:135%}.financial-product-card__editorial-opinion .financial-product-card__editorial-opinion__title{font-size:.875rem;line-height:1;margin:0}.financial-product-card__editorial-opinion .financial-product-card__editorial-opinion__text,.financial-product-card__editorial-opinion .financial-product-card__editorial-opinion__text.headline-regular{color:#31313b;font-size:.875rem;line-height:135%;margin:12px 0}.financial-product-card__editorial-opinion .financial-product-card__editorial-opinion__link{color:var(--black);font-size:.875rem;text-decoration:underline;text-decoration-color:#002aff}.financial-product-card__editorial-opinion .financial-product-card__editorial-opinion__link svg{margin:0 0 2px 4px;fill:#002aff}.financial-product-card__editorial-opinion .financial-product-card__editorial-opinion__link-icon{text-wrap:nowrap}.financial-product-card__product-details .financial-product-card__product-details__title{color:var(--black);font-size:.875rem;line-height:135%}.financial-product-card__product-details .financial-product-card__product-details__list{list-style-type:none}.financial-product-card__product-details .financial-product-card__product-details__list-item,.financial-product-card__product-details .financial-product-card__product-details__list-item.headline-regular{color:#31313b;font-size:.875rem;line-height:135%;margin-bottom:0;margin-top:12px;position:relative}.financial-product-card__product-details .financial-product-card__product-details__list-item.headline-regular:before,.financial-product-card__product-details .financial-product-card__product-details__list-item:before{color:#002aff;content:"■";display:inline-block;font-size:.875rem;left:-18px;position:absolute;top:-2.3px}.financial-product-card__expanded svg{transform:rotate(180deg);transform-origin:center}@media (min-width:600px){.financial-product-card{margin:32px 0}.financial-product-card__grid-container{column-gap:24px;grid-template-areas:"title title" "card cta" "perks perks" "specs specs";grid-template-columns:246px 1fr}.financial-product-card__card-image img{height:150px;width:246px}.financial-product-card .financial-product-card__accent-button{min-width:240px}.financial-product-card__specs{grid-template-columns:repeat(3,1fr);margin-top:16px}}@media (min-width:600px)and (max-width:959px){.is-enhanced .financial-product-card{margin:32px -38px}}@media (min-width:960px){.financial-product-card{scroll-margin-top:141px}.financial-product-card__product-title{font-size:1.25rem;line-height:125%}}@media (min-width:1260px){.financial-product-card__grid-container{align-items:flex-start;grid-template-areas:"title title title" "card cta cta" "perks perks perks" "specs specs specs";grid-template-columns:246px 1fr 1fr}.financial-product-card .financial-product-card__accent-button{min-width:230px}.financial-product-card__specs{margin-top:16px}}.rich-tooltip{cursor:help;display:inline-flex;line-height:1.3;position:relative}.rich-tooltip.no-help{cursor:auto}.rich-tooltip:hover .rich-tooltip-wrapper{display:block}.rich-tooltip:hover>a{box-shadow:0 1px 0 0 #fff;color:#002aff;text-decoration:none}.rich-tooltip-wrapper{display:none;left:-10px;padding-top:12px;position:absolute;top:100%;z-index:5777777}.rich-tooltip-content{display:flex;position:relative}.rich-tooltip-message{background-color:#fff;border-radius:1.5px;box-shadow:0 2px 8px 0 hsla(0,0%,7%,.25),0 0 0 0 hsla(0,0%,100%,.5);color:#545454;display:block;font-size:13px;min-width:216px;padding:15px 10px 20px}.rich-tooltip-message:after{background-color:#fff;box-shadow:2px -2px 4px 0 rgba(0,0,0,.05);content:"";height:10px;left:10px;position:absolute;top:13px;transform:rotate(-45deg);transform-origin:0 0;width:10px}.compound-interest-calculator-rich-tooltip .rich-tooltip-wrapper{bottom:100%;left:unset;padding-bottom:12px;padding-top:0;right:-17px;top:unset}.compound-interest-calculator-rich-tooltip .rich-tooltip-wrapper .rich-tooltip-message{width:335px}.compound-interest-calculator-rich-tooltip .rich-tooltip-wrapper .rich-tooltip-message:after{bottom:2px;box-shadow:-2px 2px 4px 0 rgba(0,0,0,.05);left:unset;right:24px;top:unset}.featured-product-rich-tooltip,.financial-product-card-rich-tooltip{height:fit-content;margin:0 0 4px 4px}.featured-product-rich-tooltip[data-tooltip-position=right] .rich-tooltip-wrapper,.financial-product-card-rich-tooltip[data-tooltip-position=right] .rich-tooltip-wrapper{left:unset;right:-7px}.featured-product-rich-tooltip[data-tooltip-position=right] .rich-tooltip-message:after,.financial-product-card-rich-tooltip[data-tooltip-position=right] .rich-tooltip-message:after{left:unset;right:10px}.featured-product-rich-tooltip[data-tooltip-position=right-or-middle] .rich-tooltip-wrapper,.financial-product-card-rich-tooltip[data-tooltip-position=right-or-middle] .rich-tooltip-wrapper{left:unset;right:-7px;transform:unset}.featured-product-rich-tooltip[data-tooltip-position=right-or-middle] .rich-tooltip-wrapper .rich-tooltip-message:after,.financial-product-card-rich-tooltip[data-tooltip-position=right-or-middle] .rich-tooltip-wrapper .rich-tooltip-message:after{left:unset;right:10px}.featured-product-rich-tooltip[data-tooltip-position=middle] .rich-tooltip-wrapper,.financial-product-card-rich-tooltip[data-tooltip-position=middle] .rich-tooltip-wrapper{left:calc(50% + 5px);transform:translateX(-50%)}.featured-product-rich-tooltip[data-tooltip-position=middle] .rich-tooltip-message:after,.financial-product-card-rich-tooltip[data-tooltip-position=middle] .rich-tooltip-message:after{left:50%;top:6px;transform:translateX(-50%) rotate(45deg)}.featured-product-rich-tooltip[data-tooltip-position=left] .rich-tooltip-wrapper,.financial-product-card-rich-tooltip[data-tooltip-position=left] .rich-tooltip-wrapper{left:0;right:unset}.tooltip-icon{height:13px;margin:0;position:relative;width:13px}.tooltip-icon path{fill:#76767a;stroke:#76767a}.info-icon{height:24px;margin:0;position:relative;width:24px}.info-icon path{fill:#76767a}@media (min-width:600px){.featured-product-rich-tooltip[data-tooltip-position=right-or-middle] .rich-tooltip-wrapper,.financial-product-card-rich-tooltip[data-tooltip-position=right-or-middle] .rich-tooltip-wrapper{left:calc(50% + 5px);right:unset;transform:translateX(-50%)}.featured-product-rich-tooltip[data-tooltip-position=right-or-middle] .rich-tooltip-wrapper .rich-tooltip-message:after,.financial-product-card-rich-tooltip[data-tooltip-position=right-or-middle] .rich-tooltip-wrapper .rich-tooltip-message:after{left:50%;right:unset;top:6px;transform:translateX(-50%) rotate(45deg)}}.star-rating{display:flex}.star-rating .star-outline-icon{height:15px;width:15px}.pros-and-cons{column-gap:30px;display:grid;grid-template-columns:1fr;row-gap:24px;width:100%}.pros-and-cons .pros-and-cons__list{display:contents;list-style:none;margin:0;padding:0}.pros-and-cons .pros-and-cons__subgrid-container{display:grid;grid-template-rows:subgrid;grid-row-gap:0}.pros-and-cons .pros-and-cons__list-item{color:var(--black);column-gap:10px;display:flex;flex-wrap:nowrap;font-size:.875rem;line-height:135%;margin:12px 0 0;padding-left:0}.pros-and-cons .pros-and-cons__list-item svg{margin-top:2.5px;min-width:12px}.pros-and-cons__financial,.pros-and-cons__retail,.pros-and-cons__retail .pros-and-cons__list-item,.pros-and-cons__retail.headline-semibold,.pros-and-cons__retail.headline-semibold .pros-and-cons__list-item{font-size:.875rem}@media (min-width:600px){.pros-and-cons__financial{grid-template-columns:1fr 1fr}}@media (min-width:960px){.pros-and-cons__retail,.pros-and-cons__retail.headline-semibold{grid-template-columns:1fr 1fr}}.collapsable-faq-dropdown{border-top:1px solid #cecece;padding:24px 0}.collapsable-faq-dropdown-last{border-bottom:1px solid #cecece}.collapsable-faq-dropdown_wrap{height:0;overflow:hidden;transition:height .2s linear;will-change:height}.collapsable-faq-dropdown_content{padding-top:16px}.collapsable-faq-dropdown_content .faq-answer{font-size:17.5px;line-height:1.8;margin-top:0}.collapsable-faq-dropdown_content .faq-answer li{font-size:17.5px;line-height:1.8}.collapsable-faq-dropdown_content .faq-answer :last-child,.collapsable-faq-dropdown_content .faq-answer:last-child{margin-bottom:0}.collapsable-faq-dropdown_tooltip{font-size:16px;font-weight:400;line-height:20px;margin:0;padding-top:6px}.collapsable-faq-dropdown_tooltip_content-wrap{height:0;overflow:hidden;transition:height .2s linear;will-change:height}.collapsable-faq-dropdown_tooltip_button.headline-regular{color:#76767a;cursor:pointer;font-size:12px;font-weight:700;line-height:1;padding:0}.collapsable-faq-dropdown_header{align-items:flex-start;display:flex;font-size:18px;justify-content:space-between;line-height:1.2}.collapsable-faq-dropdown_header:hover{cursor:pointer}.collapsable-faq-dropdown_text{width:80%}.collapsable-faq-dropdown_chevron{padding-right:8px}.collapsable-faq-dropdown_chevron svg{width:11.75px}.collapsable-faq-dropdown_chevron svg path{stroke:#76767a}@media (min-width:0)and (max-width:599px){.collapsable-faq-dropdown_chevron{padding-right:5px}}.post-content .featured-products{align-items:flex-start;padding:32px 34px;width:98fr}.post-content .featured-products:before{height:6px}.post-content .featured-product:last-of-type .featured-product-hgroup{margin-bottom:24px}.post-content .featured-product-image{max-width:188px}.post-content .featured-product-image:active{box-shadow:none}.post-content .featured-product-hgroup{margin:16px;text-align:center}.post-content .featured-product-link{border-radius:30px;font-size:15px;height:46px;letter-spacing:.2625px;padding:10px 14px 14px;width:100%}.post-content .featured-product-link:active,.post-content .featured-product-link:hover{box-shadow:none;color:#fff}.post-content .featured-product:last-of-type{padding-bottom:0}.featured-products{align-items:center;border:1px solid #cecece;border-radius:0 0 4px 4px;display:flex;flex-direction:column;height:fit-content;padding:50px 32px;position:relative;text-align:center}.featured-products:before{background-color:#002aff;border-bottom:1px solid #dde0e8;content:"";height:8px;left:0;position:absolute;right:0;top:0}.featured-products-heading{font-size:1.375rem;line-height:125%;margin:0 auto 24px}.featured-product{align-items:center;display:flex;flex-direction:column;width:100%}.featured-product:not(:last-of-type){border-bottom:1px solid #dde0e8;margin-bottom:32px;padding-bottom:32px}.featured-product-heading{color:#0a0a0a;display:block;font-family:Garnett,Helvetica,Arial,sans-serif;font-size:14px;font-weight:400}.featured-product-heading:active,.featured-product-heading:hover{box-shadow:none;color:#76767a}.featured-product-image{grid-area:featured-product-image;width:100%}.featured-product-hgroup{grid-area:featured-product-hgroup;margin-bottom:24px;margin-top:16px;max-width:200px;text-align:center}.featured-product-sub-heading{display:inline-block;font-size:18px;line-height:1.3em;margin-bottom:0!important;margin-top:10px!important}.featured-product-cta{grid-area:featured-product-cta;width:100%}.featured-product-link{background-color:#002aff;border-radius:14px;color:#fff;display:inline-block;font-family:Garnett,Helvetica,Arial,sans-serif;font-size:11px;font-weight:600;letter-spacing:.2625px;padding:6px 16px}.featured-product-link:active,.featured-product-link:hover{box-shadow:none;color:#fff}.featured-product-rates{color:#76767a;display:block;font-family:Garnett,Helvetica,Arial,sans-serif;font-size:11px;margin-top:8px}.featured-product-rates:active,.featured-product-rates:hover{box-shadow:none;color:#76767a}.tooltip-featured-product{top:1px}.tooltip-featured-product:before{left:-30px}.tooltip-featured-product:after{left:4px}span.inline-tooltip.tooltip-featured-product:before{max-width:250px}div.featured-product-image-placeholder{background-color:#aaa;border-radius:4px;height:145px;width:235px}div.featured-product-text-placeholder{background-color:#aaa;height:21px;margin:auto auto 2px;max-width:200px;width:1000px}div.featured-product-placeholder-block{margin-bottom:10px}div.featured-product-link-placeholder{margin-bottom:8px;opacity:.4}@media (min-width:600px){.post-content .featured-products{padding:32px 16px}.post-content .featured-product{align-items:flex-start;display:grid;grid-template:"featured-product-image featured-product-hgroup featured-product-cta";grid-template-columns:140px 1fr;justify-content:flex-start}.post-content .featured-product:last-of-type{padding-bottom:0}.post-content .featured-product:last-of-type .featured-product-hgroup{margin-bottom:0}.post-content .featured-product-hgroup{margin:0;padding-left:24px;text-align:left}.post-content .featured-product-sub-heading{margin-top:5px!important}.post-content .featured-product-link{font-size:11px;height:25px;padding:3px 16px 0}.featured-products-heading{margin-left:0}}@media (min-width:959px){.post-content .featured-products{display:none}}@media (min-width:960px){.sticky-featured-product{bottom:0;left:0;position:sticky;right:0;top:138px}.featured-products-heading{margin-bottom:32px}}@media (min-width:1259px){.sticky-featured-product{top:81px}}.hub-wrapper{width:auto}.vertical-title-wrapper{padding:0;z-index:0}.vertical-title.vertical-title--subnav{margin-bottom:0;position:relative;white-space:nowrap;z-index:2}.vertical-title.vertical-title--subnav a{color:#0a0a0a}.hub-nav-wrapper{position:relative}.hub-nav{display:flex;justify-content:center;margin:-3px 0 12px;opacity:1;overflow-x:auto;overflow-y:visible;padding:16px 0 0;transition:opacity .3s ease;white-space:nowrap;z-index:1}.hub-nav-list{align-items:center;display:flex;height:inherit;list-style:none;width:900px}.hub-nav-link{color:#0a0a0a;display:block;font-size:12px;height:100%;padding:0 8px;position:relative;text-transform:uppercase}.hub-nav-link:active,.hub-nav-link:hover{color:#002aff}.hub-nav-link.active-path:before{background-color:#002aff;content:"";display:block;height:3px;left:0;position:absolute;top:-16px;width:100%;z-index:2}.hub-nav-link-container{margin:0 6px;text-align:center}.hub-nav-link-container:last-child{padding-right:32px}.hub-nav-dropdown{background-clip:padding-box;background-color:#fff;border-radius:2px;border-top:16px solid transparent;filter:drop-shadow(0 2px 4px rgba(0,0,0,.2));list-style:none;max-width:300px;min-width:210px;padding:15px;position:absolute;text-align:left;top:30px;visibility:hidden;white-space:normal;word-break:keep-all;z-index:5666666}.hub-nav-link-container:hover .hub-nav-dropdown{visibility:visible}.hub-nav-dropdown:before{border-color:#fff #fff transparent transparent;border-style:solid;border-width:6px;box-shadow:2px -2px 4px 0 rgba(0,0,0,.05);content:"";height:0;position:absolute;top:0;transform:rotate(-45deg);transform-origin:0 0;width:0}.hub-nav-dropdown-link-container:not(:last-of-type){margin-bottom:10px}.hub-nav-dropdown-link{color:#0a0a0a;display:block;font-size:13px}.hub-nav-dropdown-link:hover{color:#002aff}.hub-wrapper-helpfulness .hub-nav{margin:0;min-height:59.5px;padding:6px 0 14px}.hub-wrapper-helpfulness .hub-nav-link{cursor:pointer;font-size:11px;font-weight:400;letter-spacing:1px;padding:5px;text-transform:none}.hub-wrapper-helpfulness .hub-nav-dropdown-link{font-size:11px;letter-spacing:.5px;line-height:18px;text-transform:capitalize}.hub-wrapper-helpfulness .hub-nav-dropdown-link-all{font-weight:600}.hub-wrapper-helpfulness .hub-nav-link-container,.hub-wrapper-helpfulness:not(.pfi) .hub-nav-link-container{display:none;margin:0 2px;padding:5px}.hub-wrapper-helpfulness:not(.pfi) .hub-nav-link-container.hub-nav-link-container-more,.hub-wrapper-helpfulness:not(.pfi) .hub-nav-link-container:nth-child(-n+7){display:block}.hub-wrapper-helpfulness:not(.pfi) .hub-nav-link-container.hub-nav-link-container-more .hub-nav-dropdown-link-container:nth-child(-n+7){display:none}.hub-wrapper-helpfulness.pfi .hub-nav-link-container.hub-nav-link-container-more,.hub-wrapper-helpfulness.pfi .hub-nav-link-container:nth-child(-n+5){display:block}.hub-wrapper-helpfulness.pfi .hub-nav-link-container.hub-nav-link-container-more .hub-nav-dropdown-link-container:nth-child(-n+5){display:none}@media (min-width:0)and (max-width:599px){.hub-wrapper-helpfulness .hub-nav{display:none}}@media (min-width:960px){.hub-nav{margin-bottom:25px}.hub-nav-list{width:100%}.hub-nav-link:hover{color:#002aff}.hub-wrapper-helpfulness:not(.pfi) .hub-nav-link-container:nth-child(-n+9){display:block}.hub-wrapper-helpfulness:not(.pfi) .hub-nav-link-container.hub-nav-link-container-more .hub-nav-dropdown-link-container:nth-child(-n+9){display:none}.hub-wrapper-helpfulness.pfi .hub-nav-link-container:nth-child(-n+7){display:block}.hub-wrapper-helpfulness.pfi .hub-nav-link-container.hub-nav-link-container-more .hub-nav-dropdown-link-container:nth-child(-n+7){display:none}}.back-to-top{align-items:center;background-color:#0a0a0a;border:none;border-radius:50%;bottom:92px;cursor:pointer;display:none;height:56px;justify-content:flex-start;position:fixed;right:19px;transition:opacity .25s ease-out;width:56px;z-index:3}.back-to-top.--fade-in{display:block}.back-to-top:hover{background-color:#31313b}.back-to-top.content-hub{left:auto}.back-to-top-chevron{height:14px;left:50%;position:absolute;top:50%;transform:translate(-50%,-50%);transition:opacity .25s ease-out;width:22px;stroke:#fff;fill:#fff}@media (min-width:959px){.back-to-top.content-hub{right:105px}}@media (min-width:960px){.back-to-top{bottom:120px;left:calc(50% + 437px);transform:translateX(-50%)}}@media (min-width:1260px){.back-to-top{left:calc(50% + 585px)}}.drawer{background-color:#fff;box-shadow:0 2px 100px 0 hsla(0,0%,7%,.5);height:100%;left:calc(-100% - 50px);position:fixed;top:0;transform:translateZ(0);transition:all .25s ease-in-out;visibility:hidden;width:100%;z-index:5888888;-webkit-overflow-scrolling:touch;scrollbar-width:none}.drawer.drawer--active{overflow-y:scroll;transform:translate3d(calc(100% + 50px),0,0);visibility:visible}.drawer::-webkit-scrollbar{display:none}.drawer-header{align-items:center;display:flex;justify-content:space-between;padding:40px 40px 0}.drawer-heading{color:#0a0a0a;font-size:1.25rem;line-height:1.45;text-transform:uppercase}.logo-stacked.drawer-heading-icon{height:auto;width:116.4px}.close-icon-clickable-area{align-items:center;cursor:pointer;display:inline-flex;height:30px;justify-content:center;left:6px;position:relative;width:30px}.drawer-toggle{background:none;border:none;display:inline-flex;padding:0;position:absolute}.drawer-list{list-style:none;margin:0;padding:79px 40px 45px;width:100%}.drawer-list-item:not(:first-of-type){margin-top:45px}.drawer-vertical{align-items:center;display:flex;padding-left:54px;position:relative;word-break:normal}.drawer-vertical-link,.nav-account-item .account-btn,.nav-account-item .accounts-link{color:#0a0a0a;line-height:normal;text-transform:uppercase}.drawer-vertical-link:active,.drawer-vertical-link:link,.drawer-vertical-link:visited,.nav-account-item .account-btn:active,.nav-account-item .account-btn:link,.nav-account-item .account-btn:visited,.nav-account-item .accounts-link:active,.nav-account-item .accounts-link:link,.nav-account-item .accounts-link:visited{color:#0a0a0a}.nav-account-item .account-btn.disable-account-dropdown{pointer-events:none}.ins-drawer-button-area{cursor:pointer;display:flex;height:30px;justify-content:center;left:-5px;position:absolute;width:30px}.drawer-dropdown-button{align-items:center;align-self:center;background:none;border:none;display:flex;height:2px;justify-content:center;left:0;position:relative;transition:transform .4s ease-in-out;width:14px}.drawer-dropdown-button:after,.drawer-dropdown-button:before{background:#002aff;content:"";display:inline-block;position:absolute}.drawer-dropdown-button:before{height:2px;opacity:1;transition:opacity .3s ease-in-out;width:14px}.drawer-dropdown-button:after{height:14px;width:2px}.drawer-dropdown-button.drawer-dropdown-button--active{transform:rotate(90deg)}.drawer-dropdown-button.drawer-dropdown-button--active:before{opacity:0}.drawer-sub-verticals{height:0;overflow:hidden;padding-top:18.5px;transition:height .3s ease-in-out}.drawer-sub-verticals.ip-sub-verticals{padding-top:0}.drawer-sub-vertical-link{display:block;font-size:14px;letter-spacing:.3px;padding:45px 0 0 54px}.drawer-sub-vertical-link:active,.drawer-sub-vertical-link:link,.drawer-sub-vertical-link:visited{color:#0a0a0a}.svg-icon.nav-icon.drawer-icon{height:16.5px;width:auto}.nav-account-item{margin-top:54px}.nav-account-item:first-child{margin-top:0}.nav-account-item.account-btn-logged-in{display:none;margin-top:32px}.nav-account-item.account-btn-logged-in .account-btn{cursor:default}.nav-account-item.accounts-list-container{margin-bottom:-22px;margin-top:36px;padding:0}.nav-account-item .nav-account-item-container{align-items:center;display:flex;justify-content:space-between}.nav-account-item .account-btn{align-items:center;cursor:pointer;display:flex;flex-grow:1}.nav-account-item .account-btn .account-btn-label{padding-left:40px}.nav-account-item .account-btn-label,.nav-account-item .accounts-link{font-size:13px;letter-spacing:normal;text-transform:none}.nav-account-item .accounts-listitem{background-color:#f9fafb;height:auto;line-height:1;padding:0 30px 0 86px}.nav-account-item .accounts-listitem .accounts-link{margin:0;padding:32px 0}.nav-account-item .accounts-listitem:first-child .accounts-link{padding-top:28px}.nav-account-item .accounts-listitem:last-child .accounts-link{padding-bottom:28px}.unified-drawer .nav-account-item .account-btn,.unified-drawer .nav-account-item .accounts-link{line-height:1}.drawer-pfi,.drawer-reviews{height:auto;left:auto;opacity:0;transform:translateY(-100%);z-index:1000}.drawer-pfi.drawer--active,.drawer-reviews.drawer--active{height:100%;opacity:1;transform:translateY(0)}.drawer-pfi .drawer-list,.drawer-reviews .drawer-list{min-height:100%;padding:57px 0 45px}.drawer-pfi .drawer-list-item,.drawer-reviews .drawer-list-item{margin:0}.drawer-pfi .drawer-list-item[data-drawer-list-item-reviews],.drawer-reviews .drawer-list-item[data-drawer-list-item-reviews]{cursor:pointer}.drawer-pfi .drawer-vertical,.drawer-reviews .drawer-vertical{display:block;padding:0 15px}.drawer-pfi .drawer-vertical-link-container,.drawer-reviews .drawer-vertical-link-container{align-items:center;border-bottom:1px solid rgba(0,0,0,.17);display:flex;height:56px;justify-content:space-between;padding:0;transition:border-bottom-color .25s}.drawer-pfi .drawer-list-item:last-child .drawer-vertical>.drawer-vertical-link-container,.drawer-reviews .drawer-list-item:last-child .drawer-vertical>.drawer-vertical-link-container{border-bottom:none}.drawer-pfi .drawer-list-item-reviews--active .drawer-vertical-link-container,.drawer-reviews .drawer-list-item-reviews--active .drawer-vertical-link-container{border-bottom-color:transparent}.drawer-pfi .ins-drawer-button-area,.drawer-reviews .ins-drawer-button-area{position:static}.drawer-pfi .drawer-dropdown-button:after,.drawer-pfi .drawer-dropdown-button:before,.drawer-reviews .drawer-dropdown-button:after,.drawer-reviews .drawer-dropdown-button:before{content:none}.drawer-pfi .drawer-dropdown-button.drawer-dropdown-button--active,.drawer-reviews .drawer-dropdown-button.drawer-dropdown-button--active{transform:rotate(180deg)}.drawer-pfi .drawer-sub-verticals,.drawer-reviews .drawer-sub-verticals{background-color:#f4f4f4;list-style:none;padding:0 15px}.drawer-pfi .drawer-logo,.drawer-reviews .drawer-logo{border-bottom:1px solid rgba(0,0,0,.17);padding:15px}.drawer-pfi .drawer-logo .svg-icon,.drawer-reviews .drawer-logo .svg-icon{display:flex;height:25px;max-width:200px}.drawer-pfi .drawer-sub-vertical-link,.drawer-reviews .drawer-sub-vertical-link{border-bottom:1px solid rgba(0,0,0,.17);padding:12px 0}.drawer-pfi .drawer-sub-vertical-link,.drawer-pfi .drawer-vertical-link,.drawer-reviews .drawer-sub-vertical-link,.drawer-reviews .drawer-vertical-link{font-size:16px;letter-spacing:.25px;text-transform:capitalize}.drawer-pfi .login-container .account-btn,.drawer-reviews .login-container .account-btn{padding:20px 15px}.drawer-pfi .login-container .account-btn-label,.drawer-pfi .login-container .account-icon,.drawer-reviews .login-container .account-btn-label,.drawer-reviews .login-container .account-icon{height:18px;overflow:hidden;vertical-align:bottom;width:18px}.drawer-pfi .login-container .account-btn-label,.drawer-reviews .login-container .account-btn-label{font-size:12px;margin-left:10px}.drawer-pfi .unified-dropdown-reviews-pfi-container,.drawer-reviews .unified-dropdown-reviews-pfi-container{height:100%}@media (min-width:600px){.drawer{left:-445px;overflow-y:scroll;width:395px}.drawer.drawer--active{transform:translate3d(445px,0,0)}.drawer-pfi,.drawer-reviews{display:none}}@media (min-width:960px){.close-icon-clickable-area:hover .ins-drawer-close-icon .close-icon-path{stroke:#002aff}.drawer-vertical-link:hover,.nav-account-item .account-btn:hover,.nav-account-item .accounts-link:hover{color:#002aff}.ins-drawer-button-area:hover .drawer-dropdown-button:after,.ins-drawer-button-area:hover .drawer-dropdown-button:before{background:#02c}.drawer-sub-vertical-link:hover{color:#002aff}.nav-account-item .accounts-listitem{padding:0 30px 0 96px}.nav-account-item .account-btn:hover .account-icon-path{fill:#002aff}}@media (min-width:1260px){.drawer{left:-485px;overflow-y:scroll;width:435px}.drawer.drawer--active{transform:translate3d(485px,0,0)}.nav-account-item .accounts-listitem{padding:0 30px 0 116px}}.drawer-pfi .account-link,.drawer-reviews .account-link{background-color:#fff;border-top:1px solid rgba(0,0,0,.17);bottom:0;position:sticky;width:100%}.drawer-pfi .logout-container .option-button,.drawer-reviews .logout-container .option-button{background-color:#fff;border:0;color:#0a0a0a;cursor:pointer;display:flex;font-size:12px;padding:19px 15px;width:100%}.drawer-pfi .logout-container .option-button .icon-container,.drawer-reviews .logout-container .option-button .icon-container{height:22px;justify-content:center;margin-right:10px;width:22px}.drawer-pfi .logout-container .option-button.active,.drawer-reviews .logout-container .option-button.active{background-color:#e7f1ff;color:#002aff;stroke:#002aff}.drawer-pfi .logout-container .option-button.active:hover,.drawer-reviews .logout-container .option-button.active:hover{color:#02c}.drawer-pfi .logout-container .option-button:active,.drawer-pfi .logout-container .option-button:hover,.drawer-reviews .logout-container .option-button:active,.drawer-reviews .logout-container .option-button:hover{color:#002aff}.account-icon-component .account-icon-loader{bottom:0;left:-10px;position:absolute;top:0;width:1px}.account-icon-component a.account-text-logged-in{font-size:11px;letter-spacing:.24px;margin-right:13px}.sharebar{align-self:start;display:flex}.is-enhanced .sharebar{align-self:center;margin-top:8px}.share-button-dropdown-wrapper{position:relative}.share-button .svg-icon{fill:#0a0a0a}.read-in-app-button,.save-button,.share-button{align-items:center;background:none;background-color:#fff;border:2px solid #fff;color:#0a0a0a;cursor:pointer;display:flex;font-size:.6875rem;line-height:135%;margin:0;outline:none;padding:6px 8px}.read-in-app-button:hover,.save-button:hover,.share-button:hover{background-color:#faf7f5;border-radius:16px;color:#0a0a0a}.read-in-app-button:focus,.save-button:focus,.share-button:focus{border:2px solid #002aff;border-radius:16px}.read-in-app-button:active,.read-in-app-button:focus:not(:focus-visible),.read-in-app-button:visited,.save-button:active,.save-button:focus:not(:focus-visible),.save-button:visited,.share-button:active,.share-button:focus:not(:focus-visible),.share-button:visited{border:2px solid #fff}.vertical-divider{background-color:#dde0e8;height:17.55px;margin:6px 8px;width:1px}.button-text{margin-left:8px}.save-button.share-icon-active .svg-icon.bookmark-icon{fill:#0a0a0a}.share-button.share-icon-active{background-color:#fff;border:2px solid #fff}.share-dropdown-menu.dropdown-menu{right:unset;top:45px}.share-dropdown-menu .dropdown-text{font-size:.625rem}@media (min-width:0)and (max-width:599px){.vertical-divider.with-audio{display:none}}@media (min-width:600px){.share-dropdown-menu.dropdown-menu{right:10px;top:40px}}@media (min-width:960px){.read-in-app-button,.save-button,.share-button{font-size:.75rem}}.sticky-toc{background:#fff;border-bottom:1px solid #0a0a0a;display:block;height:calc(100% + 1px);left:60px;opacity:0;pointer-events:none;position:absolute;transition:opacity .2s ease-in-out;width:calc(100% - 60px)}.sticky-toc .small-only{display:flex}.sticky-toc .small-only .sticky-toc-original-title{font-size:1.125rem}.sticky-toc .large-only{display:none}.sticky-toc.helpfulness-mobile-toc{border:none;border-top:1px solid #dde0e8;box-shadow:0 4px 4px rgba(0,0,0,.25);height:47px;left:0;top:95%;width:100%}.sticky-toc-toc-label{color:#76767a;font-size:.625rem;font-style:normal;letter-spacing:.26px;line-height:.875rem;text-transform:uppercase}.sticky-toc-toc-label:hover{text-decoration:underline}header.helpfulness-masthead.js-show-helpfulness-mobile-toc.is-scrolled .sticky-toc,header.is-scrolled:not(.helpfulness-masthead) .sticky-toc{opacity:1;pointer-events:auto}header.helpfulness-masthead.js-show-helpfulness-mobile-toc.is-scrolled.js-helpfulness-drawer--active .sticky-toc{opacity:0;pointer-events:none}.sticky-toc-big-title{display:none}.sticky-toc-big-title .sticky-toc-title{color:#0a0a0a;font-size:1rem;letter-spacing:.2px}.sticky-toc-dropdown-button{align-items:center;cursor:pointer;display:flex;height:44px;justify-content:center;line-height:.875rem}.sticky-toc-title-wrapper{align-items:center;display:flex;font-size:.625rem;height:100%;justify-content:flex-end;margin:0 auto;max-width:960px;padding:0 20px;position:relative}.sticky-toc-title-wrapper.helpfulness-mobile-toc{justify-content:space-between}.sticky-toc-arrow{margin-left:8px;position:relative;top:2px;transition:all .25s}.toc-anchor{scroll-margin-top:110px}a.sticky-toc-link{border-radius:2px;color:#0a0a0a;display:block;font-size:.625rem;font-weight:600;line-height:.875rem;margin:12px 0;padding:8px 14px}a.sticky-toc-link--active,a.sticky-toc-link:hover:not(.helpfulness-mobile-toc){background-color:#0a0a0a;color:#fff}a.sticky-toc-link--active:hover{background-color:#0a0a0a}a.sticky-toc-link.helpfulness-mobile-toc{font-size:.875rem;font-weight:400;padding:12px 15px}a.sticky-toc-link.helpfulness-mobile-toc:hover{color:#76767a}.hide-menu .sticky-toc-dropdown{display:none}.sticky-toc:not(.hide-menu) .sticky-toc-arrow{top:-1px;transform:rotate(180deg)}.sticky-toc-border{background:#0a0a0a;bottom:-1px;height:1px;left:-60px;position:absolute;width:60px}.sticky-toc-dropdown{background:#fff;border:1px solid #0a0a0a;border-bottom-left-radius:2px;border-bottom-right-radius:2px;border-top:none;margin:0;max-height:400px;max-width:280px;overflow:auto;padding:5px 18px 10px;position:absolute;right:15px;top:71px}.sticky-toc-dropdown li{list-style:none}.sticky-toc-dropdown.helpfulness-mobile-toc{border:none;box-shadow:0 4px 4px rgba(0,0,0,.25);max-height:360px;max-width:none;padding-left:5px;right:0;top:30px;width:100vw}.toc-header-element:before{bottom:0;content:"";display:block;height:90px;margin-top:-90px;position:relative;width:0}.sticky-toc-aside-wrapper{display:none}.helpfulness-mobile-toc-title{display:flex}.helpfulness-mobile-toc-jump-to{font-size:.6875rem;margin-bottom:5px;margin-top:2px;padding-right:10px}.helpfulness-mobile-toc-section{border-left:1px solid #cecece;font-size:.875rem;padding-left:10px}.sticky-toc:not(.hide-menu) .helpfulness-mobile-toc-section{display:none}@media (min-width:600px){.sticky-toc.helpfulness-mobile-toc{top:78%}.toc-anchor{scroll-margin-top:150px}}@media (min-width:960px){.sticky-toc{border-top:1px solid #dde0e8;height:59px;left:0;top:71px;width:100%}.sticky-toc .small-only{display:none}.sticky-toc .large-only{display:flex}.sticky-toc-big-title{display:block;font-size:1.125rem;left:18px;position:absolute;top:14px}.sticky-toc-title-wrapper{position:unset}.toc-anchor{scroll-margin-top:90px}a.sticky-toc-link{font-size:.625rem;line-height:1.2rem;padding:12px 14px}.sticky-toc-dropdown{max-width:370px;padding:10px 22px 14px;top:57px}.sticky-toc-dropdown.helpfulness-mobile-toc{padding-bottom:0;padding-left:max((100vw - 946px)/2);padding-top:0}.toc-header-element:before{height:150px;margin-top:-150px}.helpfulness-mobile-toc-jump-to{line-height:.975rem;margin-top:4px}}@media (min-width:960px)and (max-width:1259px){.sticky-toc:not(.helpfulness-mobile-toc):after{background:#fff;border-bottom:1px solid #0a0a0a;content:"";display:block;height:57px;left:-150px;position:absolute;top:1px;width:1260px;z-index:-1}}@media (min-width:1260px){.sticky-toc-title-wrapper{max-width:1260px}.sticky-toc{display:none}.sticky-toc-post-wrapper{display:flex}.sticky-toc-post-wrapper .sticky-toc-aside-wrapper{background:#fff;display:block;margin:24px 32px 0 0;width:174px;z-index:1}.sticky-toc-post-wrapper .sticky-toc-aside{height:calc(100vh - 110px);list-style:none;margin-bottom:50px;overflow-y:scroll;padding-bottom:50px;padding-left:0;position:sticky;scrollbar-width:none;top:max(110px,var(--sticky-top))}.sticky-toc-post-wrapper .sticky-toc-aside::-webkit-scrollbar{display:none}.sticky-toc-post-wrapper .sticky-toc-aside li{margin:0}.sticky-toc-post-wrapper .slideshow-container{margin-top:0}.post-content.with-sticky-toc-aside{margin:0}.sticky-toc-link.toc-aside{font-size:.75rem;letter-spacing:.2px;line-height:1.0625rem;margin:8px 0;padding:8px 6px}#l-content.is-right-rail.content-with-sticky-toc{max-width:809px!important}body.with-sticky-toc .image-figure-image.breakout,body.with-sticky-toc .image-figure-image.image-figure-float-left,body.with-sticky-toc .image-spread,body.with-sticky-toc blockquote.pullquote-wrapper .pullquote-quotation,body.with-sticky-toc es-blockquote blockquote:not(.pullquote-right) .pullquote-quotation{background-color:#fff;box-shadow:-640px -30px 30px #fff,-640px 30px 30px #fff;z-index:2}body.with-sticky-toc .image-figure-image.image-figure-float-left{box-shadow:-40px -30px 30px #fff,-40px 30px 30px #fff}body.with-sticky-toc .image-figure-image.breakout,body.with-sticky-toc .image-figure-image.image-figure-float-left,body.with-sticky-toc .image-spread{position:relative}#l-main-content.is-enhanced .sticky-toc-post-wrapper{justify-content:space-between}#l-main-content.is-enhanced .sticky-toc-post-wrapper:after{content:"";margin:24px 0 0 32px;width:174px}}@media (min-width:1260px)and (min-width:960px){.sticky-toc-post-wrapper .sticky-toc-aside-wrapper{margin-top:18px}}.hidden,body.is-content-locked .category-tagline,body.is-content-locked .inline-newsletter-signup,body.is-content-locked footer{display:none}.l-footer{background-color:#fff;display:block;padding:0 0 35px}.l-footer.gradient{position:relative}.l-footer.gradient:before{background:linear-gradient(1turn,#fff 35.75%,hsla(0,0%,100%,0) 136.29%);content:"";display:block;height:225px;position:absolute;top:-225px;width:100%}.l-footer.paywall-drawer-visible{padding-bottom:0}.l-footer.gradient .container,.l-footer.paywall-drawer-visible .container{display:none}.l-footer-container{border-top:1px solid #cecece;font-size:14px;padding:24px 0 0;width:100%}.l-footer-bottom-shim{border-top:1px solid #cecece;margin:30px 0 0;padding-top:23px}.l-footer-container .brands{display:block}.l-footer-container .brands-social .social-link{margin:0 12px}.legacy-logos{flex-direction:column}.legacy-logo-row,.legacy-logos{display:flex;justify-content:center}.legacy-logo-row{margin:0;text-align:center}.insider-com-logo{margin-right:12px;width:92px}.insider-com-logo .lazy-holder .lazy-image{height:16px}.insider-inc-logo{margin-left:12px;width:77px}.insider-inc-logo .lazy-holder .lazy-image{height:16px}.insider-logo{margin:16px 0;width:80px}.social-link .lazy-holder{height:24px}.social-wide .social-link:hover .lazy-image{filter:brightness(0) saturate(100%) invert(47%) sepia(6%) saturate(215%) hue-rotate(201deg) brightness(96%) contrast(79%)}@media (min-width:600px){.l-footer{background-color:#fff;display:block;height:auto;padding:0 0 35px}}@media (min-width:960px){.l-footer{padding:0 0 56px}.l-footer-container{padding:0}.l-footer-container .brands{display:flex;margin:24px 0}.legacy-logo-row-container{align-items:center;display:flex;flex-direction:row;justify-content:center;margin-top:16px}.insider-logo{margin:0 24px 0 0}}.jumper{background-color:#fff;border:none;border-radius:3px;box-shadow:0 0 0 1px rgba(9,30,66,.08),0 2px 10px rgba(9,30,66,.08),0 0 20px -4px rgba(9,30,66,.31);display:flex;flex-direction:column;left:0;margin:10px;padding:10px 15px;position:fixed;top:-200px;transition:transform .3s cubic-bezier(.2,0,0,1) 0s;width:150px;z-index:5999999}.jumper ol{list-style-type:none;margin-bottom:0;padding-left:15px}.jumper a{color:#0a0a0a}.jumper a:focus-visible{color:#002aff}.jumper.active{transform:translateY(200px)}</style></head> <body data-site-id="bi" data-id="personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" class=" with-sticky-toc" > <div class="prebid-helper" data-continent-code="AS"> </div> <header class="layout-masthead masthead masthead-bi masthead-type-post has-sticky-toc helpfulness-masthead js-show-helpfulness-mobile-toc masthead-pfi" data-header data-e2e-name="l-masthead" data-track-page-area="Header" data-component-type="masthead" data-load-strategy="disable-lazy" > <div class="container masthead-container masthead helpfulness-masthead-container"> <div class="masthead-container-row"> <div class="linkset-wrapper menu-container masthead" > <div class="logo logo-vertically-center helpfulness-logo-container"> <a href="/" class="logo-vertically-center-link masthead-location-1 secondary-logo" data-track-click="{"product_field":"logo","event":"navigation","element_name":"masthead","click_text":"Business Insider"}" > <svg class="svg-icon logo-stacked " xmlns="http://www.w3.org/2000/svg" width="930" height="320" viewBox="0 0 930 320" > <title>Business Insider logo</title> <g class="logo-stacked-path" fill="#0a0a0a" fill-rule="evenodd"> <path d="M.4 3.1h62.7c34.9 0 53.1 18 53.1 40.2 0 15.3-8.6 25.7-20.6 31.1v.4c15.3 5.5 23.9 17.6 23.9 33.1 0 22.1-17 41.5-53.9 41.5H.4V3.1zm60.7 58c10.4 0 15.1-5.3 15.1-11.2s-4.7-11.4-15.1-11.4H42.7V61h18.4zm.6 52.9c11 0 16.3-5.3 16.3-12.1s-5.5-12.1-16.1-12.1H42.7V114h19zm66.8-24.1V3.1h42.7v86.4c0 16.3 8 24.9 21.7 24.9s22.3-8.6 22.3-25.1V3.1h42.9v86.8c0 36.8-24.7 63.3-65.2 63.3s-64.4-26.5-64.4-63.3zm238.4-79.7v37.6c-9.2-6.5-24.9-11-37.6-11-11.6 0-17.4 3.7-17.4 8.6s6.5 7.4 18 11.6c19.6 6.9 46.2 16.1 46.2 47.2 0 27.8-21 48.4-57.8 48.4-19 0-36.4-5.5-47.2-12.7v-39.6c10.6 8.6 26.6 15.5 42.1 15.5 13.1 0 19.2-4.9 19.2-10.4 0-7.1-10-10.2-21.9-14.5C294.8 85.2 270 75 270 46.6 269.9 21 290.1 0 326.1 0c15.9 0 30.2 4.1 40.8 10.2zM387 3.1h42.7v146.3H387V3.1zm194.5 146.4h-40.7L488.1 71h-.2v78.5h-40.5V3.1h40.7l52.7 77.2h.2V3.1h40.5v146.4zM599.2 3.1h101.1v38h-58.4v17.6h52.5v34.5h-52.5v18.2h58.4v38H599.2V3.1zm208.2 7.1v37.6c-9.2-6.5-24.9-11-37.6-11-11.6 0-17.4 3.7-17.4 8.6s6.5 7.4 18 11.6c19.6 6.9 46.2 16.1 46.2 47.2 0 27.8-21 48.4-57.8 48.4-19 0-36.4-5.5-47.2-12.7v-39.6c10.6 8.6 26.6 15.5 42.1 15.5 13.1 0 19.2-4.9 19.2-10.4 0-7.1-10-10.2-21.9-14.5-15.7-5.7-40.5-15.9-40.5-44.3C710.4 21 730.6 0 766.6 0c15.9 0 30.2 4.1 40.8 10.2zm113 0v37.6c-9.2-6.5-24.9-11-37.6-11-11.6 0-17.4 3.7-17.4 8.6s6.5 7.4 18 11.6c19.6 6.9 46.2 16.1 46.2 47.2 0 27.8-21 48.4-57.8 48.4-19 0-36.4-5.5-47.2-12.7v-39.6c10.6 8.6 26.6 15.5 42.1 15.5 13.1 0 19.2-4.9 19.2-10.4 0-7.1-10-10.2-21.9-14.5-15.7-5.7-40.5-15.9-40.5-44.3C823.4 21 843.6 0 879.6 0c15.9 0 30.2 4.1 40.8 10.2zM94.1 316.9h42.7V170.6H94.1v146.3zm194.5-146.3H248v77.2h-.2l-52.7-77.2h-40.7v146.3H195v-78.5h.2l52.7 78.5h40.7V170.6zm68.8-3.2c-36 0-56.2 21-56.2 46.6 0 28.4 24.9 38.6 40.5 44.3 12 4.3 21.9 7.4 21.9 14.5 0 5.5-6.1 10.4-19.2 10.4-15.5 0-31.5-6.9-42.1-15.5v39.6c10.8 7.2 28.2 12.7 47.2 12.7 36.8 0 57.8-20.6 57.8-48.4 0-31.1-26.6-40.4-46.2-47.2-11.6-4.1-18-6.5-18-11.6s5.9-8.6 17.4-8.6c12.7 0 28.4 4.5 37.6 11v-37.6c-10.6-6.1-24.9-10.2-40.7-10.2zm59.9 149.5H460V170.6h-42.7v146.3zm103-38.6h8.2c22.1 0 36.4-12.5 36.4-34.5s-14.3-34.7-36.4-34.7h-8.2v69.2zm87.8-34.5c0 44.1-33.3 73.1-81.1 73.1h-49.4V170.6H527c47.8 0 81.1 29.2 81.1 73.2zm11.5 73.1h101.1v-38h-58.4v-18.2h52.5v-34.5h-52.5v-17.6h58.4v-38H619.6v146.3zm168.3-77.2c10.8 0 19.2-5.1 19.2-15.3s-8.4-15.3-19.4-15.3h-9v30.6h9.2zm69.9 77.2h-50.3l-27.8-45.2h-1v45.2H736V170.6h52.1c36.6 0 62.1 16.3 62.1 50.9 0 13.7-6.1 33.7-30.4 43.9l38 51.5z"/> </g> </svg> </a> </div> </div> <div class="logo logo-vertically-center logo-primary helpfulness-logo-container"> <a href="/personal-finance" class="logo-vertically-center-link masthead-location-2" data-track-click="{"product_field":"logo","event":"navigation","element_name":"masthead","click_text":"Personal Finance"}" > <svg class="svg-icon nav-icon pfi " role="img" xmlns="http://www.w3.org/2000/svg" width="488" height="39" viewBox="0 0 488 39" > <title>Personal Finance</title> <path d="M.956 37.736V1.88h11.952c10.992 0 16.896 5.28 16.896 13.344 0 7.2-5.376 13.968-16.176 13.968H11.42v8.544H.956ZM11.42 19.928h2.688c2.832 0 5.136-1.488 5.136-4.32 0-2.832-2.304-4.272-5.232-4.272H11.42v8.592ZM32.856 37.736V1.88h24.768v9.312H43.32v4.32h12.864v8.448H43.32v4.464h14.304v9.312H32.856ZM62.083 37.736V1.88h12.768c8.976 0 15.216 3.984 15.216 12.48 0 3.36-1.488 8.256-7.44 10.752l9.312 12.624H79.603l-6.816-11.088h-.24v11.088H62.083Zm10.464-18.912h2.256c2.64 0 4.704-1.248 4.704-3.744 0-2.544-2.064-3.744-4.752-3.744h-2.208v7.488ZM107.266 1.112c3.888 0 7.392 1.008 9.984 2.496v9.216c-2.256-1.584-6.096-2.688-9.216-2.688-2.832 0-4.272.912-4.272 2.112 0 1.248 1.584 1.824 4.416 2.832 4.8 1.68 11.328 3.936 11.328 11.568 0 6.816-5.136 11.856-14.16 11.856-4.656 0-8.928-1.344-11.568-3.12v-9.696c2.592 2.112 6.528 3.792 10.32 3.792 3.216 0 4.704-1.2 4.704-2.544 0-1.728-2.448-2.496-5.376-3.552-3.84-1.392-9.936-3.888-9.936-10.848 0-6.288 4.944-11.424 13.776-11.424ZM140.443 29.144c4.32 0 8.496-3.36 8.496-9.36 0-5.952-4.176-9.312-8.496-9.312-4.368 0-8.496 3.36-8.496 9.312 0 6 4.128 9.36 8.496 9.36Zm-19.056-9.36c0-11.088 8.4-18.816 19.056-18.816 10.752 0 19.056 7.728 19.056 18.816s-8.304 18.864-19.056 18.864c-10.704 0-19.056-7.776-19.056-18.864ZM195.865 1.88v35.856h-9.984l-12.912-19.248h-.048v19.248h-9.936V1.88h9.984l12.912 18.912h.048V1.88h9.936ZM236.157 37.736h-10.896l-2.352-7.056h-11.856l-2.256 7.056h-10.848L210.861 1.88h12.144l13.152 35.856ZM213.741 22.28h6.384l-3.216-9.792-3.168 9.792ZM238.08 37.736V1.88h10.464v26.4h14.064v9.456H238.08ZM274.551 37.736V1.88h23.808v9.456h-13.344v6.288h12.336v8.832h-12.336v11.28h-10.464ZM302.372 37.736V1.88h10.464v35.856h-10.464ZM350.98 1.88v35.856h-9.984l-12.912-19.248h-.048v19.248H318.1V1.88h9.984l12.912 18.912h.048V1.88h9.936ZM391.272 37.736h-10.896l-2.352-7.056h-11.856l-2.256 7.056h-10.848L365.976 1.88h12.144l13.152 35.856ZM368.856 22.28h6.384l-3.216-9.792-3.168 9.792ZM426.075 1.88v35.856h-9.984l-12.912-19.248h-.048v19.248h-9.936V1.88h9.984l12.912 18.912h.048V1.88h9.936ZM458.688 36.104c-2.784 1.392-6 2.496-10.128 2.496-10.416 0-18.96-7.632-18.96-18.768 0-11.184 8.544-18.864 18.96-18.864 4.128 0 7.344 1.104 10.128 2.496V13.64c-2.88-2.064-5.472-3.024-8.784-3.024-5.664 0-9.744 3.888-9.744 9.216 0 5.28 4.08 9.264 9.744 9.264 3.312 0 5.856-1.2 8.784-3.312v10.32ZM462.853 37.736V1.88h24.768v9.312h-14.304v4.32h12.864v8.448h-12.864v4.464h14.304v9.312h-24.768Z"/> </svg> <a href="https://www.businessinsider.com/"> <svg class="svg-icon logo-stacked masthead-logo" xmlns="http://www.w3.org/2000/svg" width="930" height="320" viewBox="0 0 930 320" > <title>Business Insider logo</title> <g class="logo-stacked-path" fill="#0a0a0a" fill-rule="evenodd"> <path d="M.4 3.1h62.7c34.9 0 53.1 18 53.1 40.2 0 15.3-8.6 25.7-20.6 31.1v.4c15.3 5.5 23.9 17.6 23.9 33.1 0 22.1-17 41.5-53.9 41.5H.4V3.1zm60.7 58c10.4 0 15.1-5.3 15.1-11.2s-4.7-11.4-15.1-11.4H42.7V61h18.4zm.6 52.9c11 0 16.3-5.3 16.3-12.1s-5.5-12.1-16.1-12.1H42.7V114h19zm66.8-24.1V3.1h42.7v86.4c0 16.3 8 24.9 21.7 24.9s22.3-8.6 22.3-25.1V3.1h42.9v86.8c0 36.8-24.7 63.3-65.2 63.3s-64.4-26.5-64.4-63.3zm238.4-79.7v37.6c-9.2-6.5-24.9-11-37.6-11-11.6 0-17.4 3.7-17.4 8.6s6.5 7.4 18 11.6c19.6 6.9 46.2 16.1 46.2 47.2 0 27.8-21 48.4-57.8 48.4-19 0-36.4-5.5-47.2-12.7v-39.6c10.6 8.6 26.6 15.5 42.1 15.5 13.1 0 19.2-4.9 19.2-10.4 0-7.1-10-10.2-21.9-14.5C294.8 85.2 270 75 270 46.6 269.9 21 290.1 0 326.1 0c15.9 0 30.2 4.1 40.8 10.2zM387 3.1h42.7v146.3H387V3.1zm194.5 146.4h-40.7L488.1 71h-.2v78.5h-40.5V3.1h40.7l52.7 77.2h.2V3.1h40.5v146.4zM599.2 3.1h101.1v38h-58.4v17.6h52.5v34.5h-52.5v18.2h58.4v38H599.2V3.1zm208.2 7.1v37.6c-9.2-6.5-24.9-11-37.6-11-11.6 0-17.4 3.7-17.4 8.6s6.5 7.4 18 11.6c19.6 6.9 46.2 16.1 46.2 47.2 0 27.8-21 48.4-57.8 48.4-19 0-36.4-5.5-47.2-12.7v-39.6c10.6 8.6 26.6 15.5 42.1 15.5 13.1 0 19.2-4.9 19.2-10.4 0-7.1-10-10.2-21.9-14.5-15.7-5.7-40.5-15.9-40.5-44.3C710.4 21 730.6 0 766.6 0c15.9 0 30.2 4.1 40.8 10.2zm113 0v37.6c-9.2-6.5-24.9-11-37.6-11-11.6 0-17.4 3.7-17.4 8.6s6.5 7.4 18 11.6c19.6 6.9 46.2 16.1 46.2 47.2 0 27.8-21 48.4-57.8 48.4-19 0-36.4-5.5-47.2-12.7v-39.6c10.6 8.6 26.6 15.5 42.1 15.5 13.1 0 19.2-4.9 19.2-10.4 0-7.1-10-10.2-21.9-14.5-15.7-5.7-40.5-15.9-40.5-44.3C823.4 21 843.6 0 879.6 0c15.9 0 30.2 4.1 40.8 10.2zM94.1 316.9h42.7V170.6H94.1v146.3zm194.5-146.3H248v77.2h-.2l-52.7-77.2h-40.7v146.3H195v-78.5h.2l52.7 78.5h40.7V170.6zm68.8-3.2c-36 0-56.2 21-56.2 46.6 0 28.4 24.9 38.6 40.5 44.3 12 4.3 21.9 7.4 21.9 14.5 0 5.5-6.1 10.4-19.2 10.4-15.5 0-31.5-6.9-42.1-15.5v39.6c10.8 7.2 28.2 12.7 47.2 12.7 36.8 0 57.8-20.6 57.8-48.4 0-31.1-26.6-40.4-46.2-47.2-11.6-4.1-18-6.5-18-11.6s5.9-8.6 17.4-8.6c12.7 0 28.4 4.5 37.6 11v-37.6c-10.6-6.1-24.9-10.2-40.7-10.2zm59.9 149.5H460V170.6h-42.7v146.3zm103-38.6h8.2c22.1 0 36.4-12.5 36.4-34.5s-14.3-34.7-36.4-34.7h-8.2v69.2zm87.8-34.5c0 44.1-33.3 73.1-81.1 73.1h-49.4V170.6H527c47.8 0 81.1 29.2 81.1 73.2zm11.5 73.1h101.1v-38h-58.4v-18.2h52.5v-34.5h-52.5v-17.6h58.4v-38H619.6v146.3zm168.3-77.2c10.8 0 19.2-5.1 19.2-15.3s-8.4-15.3-19.4-15.3h-9v30.6h9.2zm69.9 77.2h-50.3l-27.8-45.2h-1v45.2H736V170.6h52.1c36.6 0 62.1 16.3 62.1 50.9 0 13.7-6.1 33.7-30.4 43.9l38 51.5z"/> </g> </svg> </a> </a> </div> <div class="linkset-wrapper menu-container pfi-menu-container"> <div class="account-btn account-icon-component headline-semibold helpfulness-account-icon account-btn-not-logged-in masthead-icon " data-component-type="account-icon" data-load-strategy="exclude" data-accounts-list-icon data-track-click="{"click_text":"bi_value_unassigned","click_path":"bi_value_unassigned","product_field":"login","element_name":"masthead","event":"navigation"}" title="My 2024 Chase Sapphire Reserve review: Best credit card travel insurance" data-hide-name> <div class="account-icon-loader"></div> <a class="account-text-not-logged-in" role="button" > <svg class="svg-icon account-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 18 18" > <title>Account icon</title> <desc>An icon in the shape of a person's head and shoulders. It often indicates a user profile.</desc> <path class="account-icon-path" fill-rule="evenodd" clip-rule="evenodd" d="M9 0C6.23858 0 4 2.23858 4 5C4 7.76142 6.23858 10 9 10C11.7614 10 14 7.76142 14 5C14 2.23858 11.7614 0 9 0ZM6 5C6 3.34315 7.34315 2 9 2C10.6569 2 12 3.34315 12 5C12 6.65685 10.6569 8 9 8C7.34315 8 6 6.65685 6 5Z" fill="#0a0a0a"/> <path class="account-icon-path" d="M5 12C3.67392 12 2.40215 12.5268 1.46447 13.4645C0.526784 14.4021 0 15.6739 0 17V19C0 19.5523 0.447715 20 1 20C1.55228 20 2 19.5523 2 19V17C2 16.2043 2.31607 15.4413 2.87868 14.8787C3.44129 14.3161 4.20435 14 5 14H13C13.7956 14 14.5587 14.3161 15.1213 14.8787C15.6839 15.4413 16 16.2044 16 17V19C16 19.5523 16.4477 20 17 20C17.5523 20 18 19.5523 18 19V17C18 15.6739 17.4732 14.4021 16.5355 13.4645C15.5979 12.5268 14.3261 12 13 12H5Z" fill="#0a0a0a"/> </svg> </a> </div> <div class="account-btn account-icon-component headline-semibold helpfulness-account-icon account-btn-logged-in masthead-icon " data-component-type="account-icon" data-load-strategy="exclude" data-interaction-trigger="my-insider" data-accounts-list-icon data-track-click="{"click_text":"bi_value_unassigned","click_path":"bi_value_unassigned","product_field":"account_button","element_name":"masthead","event":"navigation"}" title="My 2024 Chase Sapphire Reserve review: Best credit card travel insurance" data-hide-name> <div class="account-icon-loader"></div> <a class="account-text-logged-in" role="button" > <svg class="svg-icon account-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 18 18" > <title>Account icon</title> <desc>An icon in the shape of a person's head and shoulders. It often indicates a user profile.</desc> <path class="account-icon-path" fill-rule="evenodd" clip-rule="evenodd" d="M9 0C6.23858 0 4 2.23858 4 5C4 7.76142 6.23858 10 9 10C11.7614 10 14 7.76142 14 5C14 2.23858 11.7614 0 9 0ZM6 5C6 3.34315 7.34315 2 9 2C10.6569 2 12 3.34315 12 5C12 6.65685 10.6569 8 9 8C7.34315 8 6 6.65685 6 5Z" fill="#0a0a0a"/> <path class="account-icon-path" d="M5 12C3.67392 12 2.40215 12.5268 1.46447 13.4645C0.526784 14.4021 0 15.6739 0 17V19C0 19.5523 0.447715 20 1 20C1.55228 20 2 19.5523 2 19V17C2 16.2043 2.31607 15.4413 2.87868 14.8787C3.44129 14.3161 4.20435 14 5 14H13C13.7956 14 14.5587 14.3161 15.1213 14.8787C15.6839 15.4413 16 16.2044 16 17V19C16 19.5523 16.4477 20 17 20C17.5523 20 18 19.5523 18 19V17C18 15.6739 17.4732 14.4021 16.5355 13.4645C15.5979 12.5268 14.3261 12 13 12H5Z" fill="#0a0a0a"/> </svg> </a> </div> <button class="menu-wrapper hamburger-btn" data-drawer-toggle="commerce" data-interaction-trigger="drawer" aria-label="Menu" aria-expanded="false" data-track-click="{"product_field":"hamburger_menu","event":"navigation","element_name":"masthead","click_text":"bi_value_unassigned","click_path":"bi_value_unassigned"}" > <span class="hamburger-line"></span> <span class="hamburger-line"></span> <span class="hamburger-line"></span> </button> </div> </div> </div> <nav class="sticky-toc js-sticky-toc-dropdown hide-menu headline-semibold helpfulness-mobile-toc" data-component-type="sticky-toc" > <div class="sticky-toc-title-wrapper helpfulness-mobile-toc" > <div class="helpfulness-mobile-toc-title"> <span class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#chase-sapphire-reserve®-rewards" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Rewards </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#chase-sapphire-reserve®-benefits" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Benefits </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#my-favorite-perk:-the-most-comprehensive-credit-card-travel-insurance-you'll-find" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > My Favorite Perk: The Most Comprehensive Credit Card Travel Insurance You'll Find </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#chase-sapphire-reserve®-frequently-asked-questions" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Frequently Asked Questions </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#why-you-should-trust-me:-how-i-reviewed-the-chase-sapphire-reserve®" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Me: How I Reviewed the Chase Sapphire Reserve® </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#chase-sapphire-reserve®-rewards" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Rewards </a> </li> <li> <a href="#chase-sapphire-reserve®-benefits" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Benefits </a> </li> <li> <a href="#my-favorite-perk:-the-most-comprehensive-credit-card-travel-insurance-you'll-find" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > My Favorite Perk: The Most Comprehensive Credit Card Travel Insurance You'll Find </a> </li> <li> <a href="#chase-sapphire-reserve®-frequently-asked-questions" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Frequently Asked Questions </a> </li> <li> <a href="#why-you-should-trust-me:-how-i-reviewed-the-chase-sapphire-reserve®" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Me: How I Reviewed the Chase Sapphire Reserve® </a> </li> </ul> </div> </header> <nav class="component my-insider with-banner style-loading" data-my-insider data-component-type="my-insider" data-load-markup="my-insider/template" data-load-strategy="interaction" > <div class='my-insider-header'></div> <div class='my-insider-nav-and-content'></div> </nav> <section id="l-main-content" class="masthead " data-content > <div> <div class="hub-wrapper has-subnav hub-wrapper-helpfulness pfi"> <div class="vertical-title-wrapper"> <div class="hub-nav-wrapper"> <nav class="hub-nav style-loading" data-component-type="hub-nav" data-load-strategy="exclude" > <div class="hub-nav-link-container" data-hub-nav-link-container > <span class="hub-nav-link headline-semibold"> Get Started </span> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/savings" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Savings </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/certificates-of-deposit" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > CDs </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/checking-account" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Checking Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Student Loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-score" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Scores </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/pet-insurance" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Pet Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Travel Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/identity-protection" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Identity Theft Protection </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-score/best-credit-monitoring-services" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Monitoring </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/small-business" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Small Business Banking </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <span class="hub-nav-link headline-semibold"> Featured Reviews </span> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/cash-back-debit-cards" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Cash Back Debit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/raisin-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Raisin Review </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/sofi-checking-savings-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > SoFi Checking and Saving </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/cit-bank-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > CIT Bank Review </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/chime-bank-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Chime Checking Account </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/ufb-direct-banking-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > UFB Direct Bank </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-cash-back-card-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Discover it Cash Back Credit Card </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-card-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Chase Sapphire Preferred Credit Card </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/squaremouth-travel-insurance-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > SquareMouth Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Cards </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-cash-back-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Cash Back Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Rewards Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best 0% APR Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Balance Transfer Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best First Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Business Credit Cards </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Pet Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-renters-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Renters Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/best-travel-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/banking" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Banking </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Savings Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Checking Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Money Market Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best CD Rates </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-bank-account-bonuses" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Bank Account Bonuses </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Banks </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Loans </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best personal loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best debt consolidation loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans-bad-credit" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Loans for Bad Credit </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-private-student-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-student-loan-refinance-companies" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loan Refinance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/mortgages" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Mortgages </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage refinance lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-lenders-for-fha-loans" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best FHA Lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-heloc-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best HELOC Lenders </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/investing" data-track-click="{"product_field":"pfi_investing","event":"navigation","element_name":"helpfulness_navbar"}" > Investing </a> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/taxes" data-track-click="{"product_field":"pfi_taxes","event":"navigation","element_name":"helpfulness_navbar"}" > Taxes </a> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/retirement" data-track-click="{"product_field":"pfi_retirement","event":"navigation","element_name":"helpfulness_navbar"}" > Retirement </a> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/financial-planning" data-track-click="{"product_field":"pfi_financial_planning","event":"navigation","element_name":"helpfulness_navbar"}" > Financial Planning </a> </div> <div class="hub-nav-link-container hub-nav-link-container-more" data-hub-nav-link-container > <span class="hub-nav-link headline-semibold"> More </span> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Get Started </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Featured Reviews </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Banking </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Mortgages </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/investing" data-track-click="{"product_field":"pfi_investing","event":"navigation","element_name":"helpfulness_navbar"}" > Investing </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/taxes" data-track-click="{"product_field":"pfi_taxes","event":"navigation","element_name":"helpfulness_navbar"}" > Taxes </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/retirement" data-track-click="{"product_field":"pfi_retirement","event":"navigation","element_name":"helpfulness_navbar"}" > Retirement </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/financial-planning" data-track-click="{"product_field":"pfi_financial_planning","event":"navigation","element_name":"helpfulness_navbar"}" > Financial Planning </a> </li> </ul> </div> </nav> </div> </div> </div> <back-to-top class="component back-to-top loading " aria-label="Back to Top" data-component-type="back-to-top" data-load-strategy="defer" data-analytics-product-module="back-to-top" > <svg role="img" xmlns="http://www.w3.org/2000/svg" class="back-to-top-chevron" viewBox="0 0 22 14" > <title>Back to Top</title> <desc> A white circle with a black border surrounding a chevron pointing up. It indicates 'click here to go back to the top of the page.' </desc> <g> <path d="M21.8032 11.1044C21.8228 11.124 21.8291 11.1383 21.8291 11.1383C21.8291 11.1383 21.8333 11.1486 21.8333 11.1686C21.8333 11.1794 21.8319 11.188 21.8319 11.188L21.8306 11.1923C21.8306 11.1923 21.826 11.2041 21.8032 11.227L19.3999 13.6307C19.3802 13.6504 19.366 13.6566 19.366 13.6566C19.366 13.6566 19.3558 13.6608 19.3358 13.6608C19.3251 13.6608 19.3165 13.6594 19.3165 13.6594L19.3123 13.6581C19.3123 13.6581 19.3086 13.6565 19.3035 13.653C19.2983 13.6494 19.2893 13.6424 19.2774 13.6305L10.9998 5.35778L2.72235 13.6366C2.70253 13.6564 2.6874 13.6632 2.6874 13.6632C2.6874 13.6632 2.67883 13.6667 2.66416 13.6667C2.65345 13.6667 2.64449 13.6651 2.64449 13.6651L2.63801 13.6632C2.63801 13.6632 2.62068 13.6557 2.59413 13.6306L0.1968 11.2328C0.173942 11.21 0.169374 11.1982 0.169374 11.1982L0.168134 11.1939C0.168134 11.1939 0.16666 11.1852 0.16666 11.1744C0.16666 11.1637 0.168184 11.1547 0.168184 11.1547L0.17016 11.1481C0.17016 11.1481 0.177722 11.1307 0.202842 11.1042L10.9361 0.363253C10.9557 0.343738 10.9698 0.337576 10.9698 0.337576C10.9698 0.337576 10.98 0.333328 11 0.333328C11.0107 0.333328 11.0197 0.334845 11.0197 0.334845L11.0261 0.336801C11.0261 0.336801 11.0435 0.344327 11.07 0.369408L21.8032 11.1044Z" fill="white" /> </g> </svg> </back-to-top> <style> back-to-top.loading { display: none; } </style> <style>.drawer.style-loading {position: fixed; top: 0; bottom: 0; right: calc(-100% - 50px); visibility: hidden; z-index: -1; display: none;}</style> <nav class="component drawer style-loading drawer-pfi " data-drawer data-drawer-location="commerce" data-component-type="drawer" data-load-strategy="interaction"> <div class="unified-dropdown-reviews-pfi-container"> <ul class="drawer-list"> <div class="drawer-logo"> <a href=""> <svg class="svg-icon nav-icon pfi " role="img" xmlns="http://www.w3.org/2000/svg" width="488" height="39" viewBox="0 0 488 39" > <title>Personal Finance</title> <path d="M.956 37.736V1.88h11.952c10.992 0 16.896 5.28 16.896 13.344 0 7.2-5.376 13.968-16.176 13.968H11.42v8.544H.956ZM11.42 19.928h2.688c2.832 0 5.136-1.488 5.136-4.32 0-2.832-2.304-4.272-5.232-4.272H11.42v8.592ZM32.856 37.736V1.88h24.768v9.312H43.32v4.32h12.864v8.448H43.32v4.464h14.304v9.312H32.856ZM62.083 37.736V1.88h12.768c8.976 0 15.216 3.984 15.216 12.48 0 3.36-1.488 8.256-7.44 10.752l9.312 12.624H79.603l-6.816-11.088h-.24v11.088H62.083Zm10.464-18.912h2.256c2.64 0 4.704-1.248 4.704-3.744 0-2.544-2.064-3.744-4.752-3.744h-2.208v7.488ZM107.266 1.112c3.888 0 7.392 1.008 9.984 2.496v9.216c-2.256-1.584-6.096-2.688-9.216-2.688-2.832 0-4.272.912-4.272 2.112 0 1.248 1.584 1.824 4.416 2.832 4.8 1.68 11.328 3.936 11.328 11.568 0 6.816-5.136 11.856-14.16 11.856-4.656 0-8.928-1.344-11.568-3.12v-9.696c2.592 2.112 6.528 3.792 10.32 3.792 3.216 0 4.704-1.2 4.704-2.544 0-1.728-2.448-2.496-5.376-3.552-3.84-1.392-9.936-3.888-9.936-10.848 0-6.288 4.944-11.424 13.776-11.424ZM140.443 29.144c4.32 0 8.496-3.36 8.496-9.36 0-5.952-4.176-9.312-8.496-9.312-4.368 0-8.496 3.36-8.496 9.312 0 6 4.128 9.36 8.496 9.36Zm-19.056-9.36c0-11.088 8.4-18.816 19.056-18.816 10.752 0 19.056 7.728 19.056 18.816s-8.304 18.864-19.056 18.864c-10.704 0-19.056-7.776-19.056-18.864ZM195.865 1.88v35.856h-9.984l-12.912-19.248h-.048v19.248h-9.936V1.88h9.984l12.912 18.912h.048V1.88h9.936ZM236.157 37.736h-10.896l-2.352-7.056h-11.856l-2.256 7.056h-10.848L210.861 1.88h12.144l13.152 35.856ZM213.741 22.28h6.384l-3.216-9.792-3.168 9.792ZM238.08 37.736V1.88h10.464v26.4h14.064v9.456H238.08ZM274.551 37.736V1.88h23.808v9.456h-13.344v6.288h12.336v8.832h-12.336v11.28h-10.464ZM302.372 37.736V1.88h10.464v35.856h-10.464ZM350.98 1.88v35.856h-9.984l-12.912-19.248h-.048v19.248H318.1V1.88h9.984l12.912 18.912h.048V1.88h9.936ZM391.272 37.736h-10.896l-2.352-7.056h-11.856l-2.256 7.056h-10.848L365.976 1.88h12.144l13.152 35.856ZM368.856 22.28h6.384l-3.216-9.792-3.168 9.792ZM426.075 1.88v35.856h-9.984l-12.912-19.248h-.048v19.248h-9.936V1.88h9.984l12.912 18.912h.048V1.88h9.936ZM458.688 36.104c-2.784 1.392-6 2.496-10.128 2.496-10.416 0-18.96-7.632-18.96-18.768 0-11.184 8.544-18.864 18.96-18.864 4.128 0 7.344 1.104 10.128 2.496V13.64c-2.88-2.064-5.472-3.024-8.784-3.024-5.664 0-9.744 3.888-9.744 9.216 0 5.28 4.08 9.264 9.744 9.264 3.312 0 5.856-1.2 8.784-3.312v10.32ZM462.853 37.736V1.88h24.768v9.312h-14.304v4.32h12.864v8.448h-12.864v4.464h14.304v9.312h-24.768Z"/> </svg> </a> </div> <li class="drawer-list-item" data-drawer-list-item data-drawer-list-item-reviews > <div class="drawer-vertical"> <div class="drawer-vertical-link-container"> <a href="" class="drawer-vertical-link headline-semibold" data-vertical-listitem="Get Started" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Get Started</a> <div class="ins-drawer-button-area"> <button class="drawer-dropdown-button" aria-label="Open or close dropdown" > <svg class="svg-icon arrow-up-icon " xmlns="http://www.w3.org/2000/svg" width="12" height="8" viewBox="0 0 12 8" > <title>Angle down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M11.3281 0.792709C11.1874 0.796035 11.0537 0.854817 10.9562 0.95625L5.99996 5.9125L1.04371 0.95625C0.994011 0.90516 0.934574 0.864549 0.868913 0.836818C0.803251 0.809086 0.732698 0.794796 0.661421 0.794792C0.555323 0.79482 0.451644 0.826488 0.363639 0.885749C0.275634 0.94501 0.207301 1.02917 0.167378 1.12747C0.127454 1.22577 0.117753 1.33374 0.139515 1.43758C0.161277 1.54143 0.213513 1.63642 0.289546 1.71042L5.62288 7.04375C5.7229 7.14374 5.85854 7.1999 5.99996 7.1999C6.14139 7.1999 6.27702 7.14374 6.37705 7.04375L11.7104 1.71042C11.7878 1.63594 11.841 1.5398 11.8629 1.43459C11.8848 1.32939 11.8744 1.22003 11.833 1.12084C11.7917 1.02164 11.7214 0.937245 11.6313 0.878694C11.5412 0.820144 11.4355 0.790174 11.3281 0.792709V0.792709Z" fill="currentColor"/> </svg> </button> </div> </div> </div> <ul class="drawer-sub-verticals ip-sub-verticals" data-drawer-sub-verticals > <li> <a href="https://www.businessinsider.com/personal-finance/savings" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Savings</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/certificates-of-deposit" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >CDs</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/checking-account" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Checking Accounts</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/student-loans" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Student Loans</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/credit-score" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Credit Scores</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/life-insurance" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Life Insurance</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/homeowners-insurance" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Homeowners Insurance</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/pet-insurance" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Pet Insurance</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/travel-insurance" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Travel Insurance</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/identity-protection" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Identity Theft Protection</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/credit-score/best-credit-monitoring-services" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Credit Monitoring</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/small-business" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" >Small Business Banking</a> </li> </ul> </li> <li class="drawer-list-item" data-drawer-list-item data-drawer-list-item-reviews > <div class="drawer-vertical"> <div class="drawer-vertical-link-container"> <a href="" class="drawer-vertical-link headline-semibold" data-vertical-listitem="Featured Reviews" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" >Featured Reviews</a> <div class="ins-drawer-button-area"> <button class="drawer-dropdown-button" aria-label="Open or close dropdown" > <svg class="svg-icon arrow-up-icon " xmlns="http://www.w3.org/2000/svg" width="12" height="8" viewBox="0 0 12 8" > <title>Angle down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M11.3281 0.792709C11.1874 0.796035 11.0537 0.854817 10.9562 0.95625L5.99996 5.9125L1.04371 0.95625C0.994011 0.90516 0.934574 0.864549 0.868913 0.836818C0.803251 0.809086 0.732698 0.794796 0.661421 0.794792C0.555323 0.79482 0.451644 0.826488 0.363639 0.885749C0.275634 0.94501 0.207301 1.02917 0.167378 1.12747C0.127454 1.22577 0.117753 1.33374 0.139515 1.43758C0.161277 1.54143 0.213513 1.63642 0.289546 1.71042L5.62288 7.04375C5.7229 7.14374 5.85854 7.1999 5.99996 7.1999C6.14139 7.1999 6.27702 7.14374 6.37705 7.04375L11.7104 1.71042C11.7878 1.63594 11.841 1.5398 11.8629 1.43459C11.8848 1.32939 11.8744 1.22003 11.833 1.12084C11.7917 1.02164 11.7214 0.937245 11.6313 0.878694C11.5412 0.820144 11.4355 0.790174 11.3281 0.792709V0.792709Z" fill="currentColor"/> </svg> </button> </div> </div> </div> <ul class="drawer-sub-verticals ip-sub-verticals" data-drawer-sub-verticals > <li> <a href="https://www.businessinsider.com/personal-finance/banking/cash-back-debit-cards" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" >Cash Back Debit Cards</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/banking/raisin-review" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" >Raisin Review</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/banking/sofi-checking-savings-review" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" >SoFi Checking and Saving</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/banking/cit-bank-review" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" >CIT Bank Review</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/banking/chime-bank-review" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" >Chime Checking Account</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/banking/ufb-direct-banking-review" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" >UFB Direct Bank</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-cash-back-card-review" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" >Discover it Cash Back Credit Card</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-card-review" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" >Chase Sapphire Preferred Credit Card</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/travel-insurance/squaremouth-travel-insurance-review" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" >SquareMouth Travel Insurance</a> </li> </ul> </li> <li class="drawer-list-item" data-drawer-list-item data-drawer-list-item-reviews > <div class="drawer-vertical"> <div class="drawer-vertical-link-container"> <a href="https://www.businessinsider.com/personal-finance/credit-cards" class="drawer-vertical-link headline-semibold" data-vertical-listitem="Credit Cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" >Credit Cards</a> <div class="ins-drawer-button-area"> <button class="drawer-dropdown-button" aria-label="Open or close dropdown" > <svg class="svg-icon arrow-up-icon " xmlns="http://www.w3.org/2000/svg" width="12" height="8" viewBox="0 0 12 8" > <title>Angle down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M11.3281 0.792709C11.1874 0.796035 11.0537 0.854817 10.9562 0.95625L5.99996 5.9125L1.04371 0.95625C0.994011 0.90516 0.934574 0.864549 0.868913 0.836818C0.803251 0.809086 0.732698 0.794796 0.661421 0.794792C0.555323 0.79482 0.451644 0.826488 0.363639 0.885749C0.275634 0.94501 0.207301 1.02917 0.167378 1.12747C0.127454 1.22577 0.117753 1.33374 0.139515 1.43758C0.161277 1.54143 0.213513 1.63642 0.289546 1.71042L5.62288 7.04375C5.7229 7.14374 5.85854 7.1999 5.99996 7.1999C6.14139 7.1999 6.27702 7.14374 6.37705 7.04375L11.7104 1.71042C11.7878 1.63594 11.841 1.5398 11.8629 1.43459C11.8848 1.32939 11.8744 1.22003 11.833 1.12084C11.7917 1.02164 11.7214 0.937245 11.6313 0.878694C11.5412 0.820144 11.4355 0.790174 11.3281 0.792709V0.792709Z" fill="currentColor"/> </svg> </button> </div> </div> </div> <ul class="drawer-sub-verticals ip-sub-verticals" data-drawer-sub-verticals > <li> <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" >Best Credit Cards</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-cash-back-credit-cards" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" >Best Cash Back Credit Cards</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" >Best Rewards Credit Cards</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" >Best Travel Credit Cards</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" >Best 0% APR Credit Cards</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" >Best Balance Transfer Credit Cards</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" >Best First Credit Cards</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" >Best Business Credit Cards</a> </li> </ul> </li> <li class="drawer-list-item" data-drawer-list-item data-drawer-list-item-reviews > <div class="drawer-vertical"> <div class="drawer-vertical-link-container"> <a href="https://www.businessinsider.com/personal-finance/insurance" class="drawer-vertical-link headline-semibold" data-vertical-listitem="Insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" >Insurance</a> <div class="ins-drawer-button-area"> <button class="drawer-dropdown-button" aria-label="Open or close dropdown" > <svg class="svg-icon arrow-up-icon " xmlns="http://www.w3.org/2000/svg" width="12" height="8" viewBox="0 0 12 8" > <title>Angle down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M11.3281 0.792709C11.1874 0.796035 11.0537 0.854817 10.9562 0.95625L5.99996 5.9125L1.04371 0.95625C0.994011 0.90516 0.934574 0.864549 0.868913 0.836818C0.803251 0.809086 0.732698 0.794796 0.661421 0.794792C0.555323 0.79482 0.451644 0.826488 0.363639 0.885749C0.275634 0.94501 0.207301 1.02917 0.167378 1.12747C0.127454 1.22577 0.117753 1.33374 0.139515 1.43758C0.161277 1.54143 0.213513 1.63642 0.289546 1.71042L5.62288 7.04375C5.7229 7.14374 5.85854 7.1999 5.99996 7.1999C6.14139 7.1999 6.27702 7.14374 6.37705 7.04375L11.7104 1.71042C11.7878 1.63594 11.841 1.5398 11.8629 1.43459C11.8848 1.32939 11.8744 1.22003 11.833 1.12084C11.7917 1.02164 11.7214 0.937245 11.6313 0.878694C11.5412 0.820144 11.4355 0.790174 11.3281 0.792709V0.792709Z" fill="currentColor"/> </svg> </button> </div> </div> </div> <ul class="drawer-sub-verticals ip-sub-verticals" data-drawer-sub-verticals > <li> <a href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" >Best Car Insurance</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" >Best Homeowners Insurance</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" >Best Life Insurance</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" >Best Pet Insurance</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-renters-insurance-companies" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" >Best Renters Insurance</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/travel-insurance/best-travel-insurance-companies" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" >Best Travel Insurance</a> </li> </ul> </li> <li class="drawer-list-item" data-drawer-list-item data-drawer-list-item-reviews > <div class="drawer-vertical"> <div class="drawer-vertical-link-container"> <a href="https://www.businessinsider.com/personal-finance/banking" class="drawer-vertical-link headline-semibold" data-vertical-listitem="Banking" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" >Banking</a> <div class="ins-drawer-button-area"> <button class="drawer-dropdown-button" aria-label="Open or close dropdown" > <svg class="svg-icon arrow-up-icon " xmlns="http://www.w3.org/2000/svg" width="12" height="8" viewBox="0 0 12 8" > <title>Angle down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M11.3281 0.792709C11.1874 0.796035 11.0537 0.854817 10.9562 0.95625L5.99996 5.9125L1.04371 0.95625C0.994011 0.90516 0.934574 0.864549 0.868913 0.836818C0.803251 0.809086 0.732698 0.794796 0.661421 0.794792C0.555323 0.79482 0.451644 0.826488 0.363639 0.885749C0.275634 0.94501 0.207301 1.02917 0.167378 1.12747C0.127454 1.22577 0.117753 1.33374 0.139515 1.43758C0.161277 1.54143 0.213513 1.63642 0.289546 1.71042L5.62288 7.04375C5.7229 7.14374 5.85854 7.1999 5.99996 7.1999C6.14139 7.1999 6.27702 7.14374 6.37705 7.04375L11.7104 1.71042C11.7878 1.63594 11.841 1.5398 11.8629 1.43459C11.8848 1.32939 11.8744 1.22003 11.833 1.12084C11.7917 1.02164 11.7214 0.937245 11.6313 0.878694C11.5412 0.820144 11.4355 0.790174 11.3281 0.792709V0.792709Z" fill="currentColor"/> </svg> </button> </div> </div> </div> <ul class="drawer-sub-verticals ip-sub-verticals" data-drawer-sub-verticals > <li> <a href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" >Best Savings Accounts</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" >Best Checking Accounts</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" >Best Money Market Accounts</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" >Best CD Rates</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/banking/best-bank-account-bonuses" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" >Best Bank Account Bonuses</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/banking/best-banks" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" >Best Banks</a> </li> </ul> </li> <li class="drawer-list-item" data-drawer-list-item data-drawer-list-item-reviews > <div class="drawer-vertical"> <div class="drawer-vertical-link-container"> <a href="https://www.businessinsider.com/personal-finance/loans" class="drawer-vertical-link headline-semibold" data-vertical-listitem="Loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" >Loans</a> <div class="ins-drawer-button-area"> <button class="drawer-dropdown-button" aria-label="Open or close dropdown" > <svg class="svg-icon arrow-up-icon " xmlns="http://www.w3.org/2000/svg" width="12" height="8" viewBox="0 0 12 8" > <title>Angle down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M11.3281 0.792709C11.1874 0.796035 11.0537 0.854817 10.9562 0.95625L5.99996 5.9125L1.04371 0.95625C0.994011 0.90516 0.934574 0.864549 0.868913 0.836818C0.803251 0.809086 0.732698 0.794796 0.661421 0.794792C0.555323 0.79482 0.451644 0.826488 0.363639 0.885749C0.275634 0.94501 0.207301 1.02917 0.167378 1.12747C0.127454 1.22577 0.117753 1.33374 0.139515 1.43758C0.161277 1.54143 0.213513 1.63642 0.289546 1.71042L5.62288 7.04375C5.7229 7.14374 5.85854 7.1999 5.99996 7.1999C6.14139 7.1999 6.27702 7.14374 6.37705 7.04375L11.7104 1.71042C11.7878 1.63594 11.841 1.5398 11.8629 1.43459C11.8848 1.32939 11.8744 1.22003 11.833 1.12084C11.7917 1.02164 11.7214 0.937245 11.6313 0.878694C11.5412 0.820144 11.4355 0.790174 11.3281 0.792709V0.792709Z" fill="currentColor"/> </svg> </button> </div> </div> </div> <ul class="drawer-sub-verticals ip-sub-verticals" data-drawer-sub-verticals > <li> <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" >Best personal loans</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" >Best debt consolidation loans</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans-bad-credit" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" >Best Loans for Bad Credit</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/student-loans/best-private-student-loans" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" >Best Student Loans</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/student-loans/best-student-loan-refinance-companies" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" >Best Student Loan Refinance</a> </li> </ul> </li> <li class="drawer-list-item" data-drawer-list-item data-drawer-list-item-reviews > <div class="drawer-vertical"> <div class="drawer-vertical-link-container"> <a href="https://www.businessinsider.com/personal-finance/mortgages" class="drawer-vertical-link headline-semibold" data-vertical-listitem="Mortgages" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" >Mortgages</a> <div class="ins-drawer-button-area"> <button class="drawer-dropdown-button" aria-label="Open or close dropdown" > <svg class="svg-icon arrow-up-icon " xmlns="http://www.w3.org/2000/svg" width="12" height="8" viewBox="0 0 12 8" > <title>Angle down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M11.3281 0.792709C11.1874 0.796035 11.0537 0.854817 10.9562 0.95625L5.99996 5.9125L1.04371 0.95625C0.994011 0.90516 0.934574 0.864549 0.868913 0.836818C0.803251 0.809086 0.732698 0.794796 0.661421 0.794792C0.555323 0.79482 0.451644 0.826488 0.363639 0.885749C0.275634 0.94501 0.207301 1.02917 0.167378 1.12747C0.127454 1.22577 0.117753 1.33374 0.139515 1.43758C0.161277 1.54143 0.213513 1.63642 0.289546 1.71042L5.62288 7.04375C5.7229 7.14374 5.85854 7.1999 5.99996 7.1999C6.14139 7.1999 6.27702 7.14374 6.37705 7.04375L11.7104 1.71042C11.7878 1.63594 11.841 1.5398 11.8629 1.43459C11.8848 1.32939 11.8744 1.22003 11.833 1.12084C11.7917 1.02164 11.7214 0.937245 11.6313 0.878694C11.5412 0.820144 11.4355 0.790174 11.3281 0.792709V0.792709Z" fill="currentColor"/> </svg> </button> </div> </div> </div> <ul class="drawer-sub-verticals ip-sub-verticals" data-drawer-sub-verticals > <li> <a href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" >Best mortgage lenders</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" >Best mortgage refinance lenders</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/mortgages/best-lenders-for-fha-loans" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" >Best FHA Lenders</a> </li> <li> <a href="https://www.businessinsider.com/personal-finance/mortgages/best-heloc-lenders" class="drawer-sub-vertical-link headline-regular" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" >Best HELOC Lenders</a> </li> </ul> </li> <li class="drawer-list-item" data-drawer-list-item > <div class="drawer-vertical"> <div class="drawer-vertical-link-container"> <a href="https://www.businessinsider.com/personal-finance/investing" class="drawer-vertical-link headline-semibold" data-vertical-listitem="Investing" data-track-click="{"product_field":"pfi_investing","event":"navigation","element_name":"helpfulness_navbar"}" >Investing</a> </div> </div> <ul class="drawer-sub-verticals ip-sub-verticals" data-drawer-sub-verticals > </ul> </li> <li class="drawer-list-item" data-drawer-list-item > <div class="drawer-vertical"> <div class="drawer-vertical-link-container"> <a href="https://www.businessinsider.com/personal-finance/taxes" class="drawer-vertical-link headline-semibold" data-vertical-listitem="Taxes" data-track-click="{"product_field":"pfi_taxes","event":"navigation","element_name":"helpfulness_navbar"}" >Taxes</a> </div> </div> <ul class="drawer-sub-verticals ip-sub-verticals" data-drawer-sub-verticals > </ul> </li> <li class="drawer-list-item" data-drawer-list-item > <div class="drawer-vertical"> <div class="drawer-vertical-link-container"> <a href="https://www.businessinsider.com/personal-finance/retirement" class="drawer-vertical-link headline-semibold" data-vertical-listitem="Retirement" data-track-click="{"product_field":"pfi_retirement","event":"navigation","element_name":"helpfulness_navbar"}" >Retirement</a> </div> </div> <ul class="drawer-sub-verticals ip-sub-verticals" data-drawer-sub-verticals > </ul> </li> <li class="drawer-list-item" data-drawer-list-item > <div class="drawer-vertical"> <div class="drawer-vertical-link-container"> <a href="https://www.businessinsider.com/personal-finance/financial-planning" class="drawer-vertical-link headline-semibold" data-vertical-listitem="Financial Planning" data-track-click="{"product_field":"pfi_financial_planning","event":"navigation","element_name":"helpfulness_navbar"}" >Financial Planning</a> </div> </div> <ul class="drawer-sub-verticals ip-sub-verticals" data-drawer-sub-verticals > </ul> </li> </ul> <div class="account-link"> <div class="logout-container"> <div data-component-type="logout-button" > <button class="option-button logout-click" title='Log out' data-log-key="Log_out"> <div class="icon-container"> <svg width="22" height="22" viewBox="0 0 22 22" xmlns="http://www.w3.org/2000/svg" class="svg-icon " role="img" > <path fill="currentColor" d="m19.646 10.767-3.39-3.673a.269.269 0 0 0-.41 0l-.759.822a.32.32 0 0 0-.087.223c0 .086.029.162.087.223L16.598 10H8.3a.3.3 0 0 0-.3.3v1.4a.3.3 0 0 0 .3.3h8.283l-1.496 1.62c-.058.063-.087.137-.087.223s.029.162.087.223l.759.822a.269.269 0 0 0 .41 0l3.39-3.673a.319.319 0 0 0 .087-.226.318.318 0 0 0-.087-.222z"/> <path fill="currentColor" d="M3 3a1 1 0 0 1 1-1h8.7a.3.3 0 0 1 .3.3v1.4a.3.3 0 0 1-.3.3H5v14h7.7a.3.3 0 0 1 .3.3v1.4a.3.3 0 0 1-.3.3H4a1 1 0 0 1-1-1V3z"/> </svg> </div> <span class="headline-semibold">Log out</span> </button> </div> </div> <div class="login-container"> <div class="account-btn account-icon-component headline-semibold helpfulness-dropdown-account-btn-not-logged-in account-btn-not-logged-in " data-component-type="account-icon" data-load-strategy="exclude" data-accounts-list-icon data-track-click="{"click_text":"bi_value_unassigned","click_path":"bi_value_unassigned","product_field":"login","element_name":"hamburger_menu","event":"navigation"}" title="Login"> <div class="account-icon-loader"></div> <svg class="svg-icon account-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 18 18" > <title>Account icon</title> <desc>An icon in the shape of a person's head and shoulders. It often indicates a user profile.</desc> <path class="account-icon-path" fill-rule="evenodd" clip-rule="evenodd" d="M9 0C6.23858 0 4 2.23858 4 5C4 7.76142 6.23858 10 9 10C11.7614 10 14 7.76142 14 5C14 2.23858 11.7614 0 9 0ZM6 5C6 3.34315 7.34315 2 9 2C10.6569 2 12 3.34315 12 5C12 6.65685 10.6569 8 9 8C7.34315 8 6 6.65685 6 5Z" fill="#0a0a0a"/> <path class="account-icon-path" d="M5 12C3.67392 12 2.40215 12.5268 1.46447 13.4645C0.526784 14.4021 0 15.6739 0 17V19C0 19.5523 0.447715 20 1 20C1.55228 20 2 19.5523 2 19V17C2 16.2043 2.31607 15.4413 2.87868 14.8787C3.44129 14.3161 4.20435 14 5 14H13C13.7956 14 14.5587 14.3161 15.1213 14.8787C15.6839 15.4413 16 16.2044 16 17V19C16 19.5523 16.4477 20 17 20C17.5523 20 18 19.5523 18 19V17C18 15.6739 17.4732 14.4021 16.5355 13.4645C15.5979 12.5268 14.3261 12 13 12H5Z" fill="#0a0a0a"/> </svg> <span class="account-btn-label">Login</span> </div> </div> </div> </div></nav> </div> <section class="container mobile-padding"> <section class="row" role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/credit-cards" class="" data-track-click="{"product_field":"Credit Cards","element_name":"breadcrumbs","event":"navigation"}" > Credit Cards </a> </span> </div> <h1 class="post-headline ">Why I recommend the Chase Sapphire Reserve to anyone who values adventure and luxury travel as much as I do</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Katherine Fan" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/katherine-fan" >Katherine Fan</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/angela-fung" >Angela Fung</a> </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-10-15T21:59:08Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-10-15T21:59:08Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 012.056-2.042h2.54v2.742z" clip-rule="evenodd"/> </svg> <span class="button-text">Share</span> </button> <div class="share-dropdown-menu dropdown-menu"> <span class="dropdown-menu-item"> <span class="share-link facebook " data-facebook data-href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review&utmSource=facebook&utmContent=referral&utmTerm=topbar&referrer=facebook" label="facebook" title="Share on Facebook" aria-label="Click to share on Facebook" data-share-link data-flip-widget="" data-track-element="story" data-track-event-label="facebook" data-href-share="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review&utmSource=facebook&utmContent=referral&utmTerm=topbar&referrer=facebook" data-e2e-name="share-link-facebook" data-utm-term="" target="_blank" > <span class="dropdown-icon"><svg class="svg-icon social-facebook-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="Facebook" > <path fill="currentColor" d="M22 12.037C22 6.494 17.523 2 12 2S2 6.494 2 12.037c0 4.707 3.229 8.656 7.584 9.741v-6.674H7.522v-3.067h2.062v-1.322c0-3.416 1.54-5 4.882-5 .634 0 1.727.125 2.174.25v2.78a12.807 12.807 0 0 0-1.155-.037c-1.64 0-2.273.623-2.273 2.244v1.085h3.266l-.561 3.067h-2.705V22C18.163 21.4 22 17.168 22 12.037Z"/> </svg></span> <span class="dropdown-text headline-regular">Facebook</span> </span> </span> <span class="dropdown-menu-item"> <a class="share-link email " data-email data-share-link href="mailto:?subject=Why I recommend the Chase Sapphire Reserve to anyone who values adventure and luxury travel as much as I do&body=Why%20I%20recommend%20the%20Chase%20Sapphire%20Reserve%20to%20anyone%20who%20values%20adventure%20and%20luxury%20travel%20as%20much%20as%20I%20do%0D%0A%0D%0Ahttps%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review&" label="email" title="Email" aria-label="Click to email" data-track-event-label="email" data-href-share="mailto:?subject=Why I recommend the Chase Sapphire Reserve to anyone who values adventure and luxury travel as much as I do&body=Why%20I%20recommend%20the%20Chase%20Sapphire%20Reserve%20to%20anyone%20who%20values%20adventure%20and%20luxury%20travel%20as%20much%20as%20I%20do%0D%0A%0D%0Ahttps%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review&" data-e2e-name="share-link-email" data-utm-term="" data-track-element="story" > <span class="dropdown-icon"><svg class="svg-icon email-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewbox="0.5 1 15 14" aria-labelledby="Email" > <path class="email" fill="currentColor" d="M1.4 4c0-.7.567-1.267 1.267-1.267h10.667c.7 0 1.266.567 1.266 1.267v8c0 .7-.566 1.267-1.266 1.267H2.667c-.7 0-1.267-.567-1.267-1.267V4Zm6.812 3.946L13.4 4.705v-.372a.4.4 0 0 0-.4-.4H3a.4.4 0 0 0-.4.4v.372l5.188 3.241a.4.4 0 0 0 .424 0Zm-.353 1.22L2.957 6.105a.233.233 0 0 0-.357.198v5.365c0 .22.18.4.4.4h10a.4.4 0 0 0 .4-.4V6.302a.233.233 0 0 0-.357-.198L8.142 9.167a.267.267 0 0 1-.283 0Z"/> </svg></span> <span class="dropdown-text headline-regular">Email</span> </a> </span> <span class="dropdown-menu-item"> <span class="twitter " data-twitter data-href="https://twitter.com/intent/tweet?text=Why%20I%20recommend%20the%20Chase%20Sapphire%20Reserve%20to%20anyone%20who%20values%20adventure%20and%20luxury%20travel%20as%20much%20as%20I%20do&url=https%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review%3FutmSource%3Dtwitter%26utmContent%3Dreferral%26utmTerm%3Dtopbar%26referrer%3Dtwitter&via=businessinsider&utmSource=twitter&utmContent=referral&utmTerm=topbar&referrer=twitter" label="X" title="Share on X" aria-label="Click to share on X" data-share-link data-track-event-label="twitter" data-track-element="story" data-href-share="https://twitter.com/intent/tweet?text=Why%20I%20recommend%20the%20Chase%20Sapphire%20Reserve%20to%20anyone%20who%20values%20adventure%20and%20luxury%20travel%20as%20much%20as%20I%20do&url=https%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review%3FutmSource%3Dtwitter%26utmContent%3Dreferral%26utmTerm%3Dtopbar%26referrer%3Dtwitter&via=businessinsider&utmSource=twitter&utmContent=referral&utmTerm=topbar&referrer=twitter" data-e2e-name="share-link-twitter" target="_blank" > <span class="dropdown-icon"><svg class="svg-icon social-x-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="X" > <path fill="currentColor" d="M17.751 3h3.067l-6.7 7.625L22 21h-6.172l-4.833-6.293L5.464 21h-3.07l7.167-8.155L2 3h6.328l4.37 5.752L17.75 3Zm-1.076 16.172h1.7L7.404 4.732H5.58l11.094 14.44Z"/> </svg></span> <span class="dropdown-text headline-regular">X</span> </span> </span> <span class="dropdown-menu-item"> <span class="linkedin " data-linkedin data-href="https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review&title=Why%20I%20recommend%20the%20Chase%20Sapphire%20Reserve%20to%20anyone%20who%20values%20adventure%20and%20luxury%20travel%20as%20much%20as%20I%20do&summary=The%20Chase%20Sapphire%20Reserve%20offers%20an%20easy-to-use%20%24300%20travel%20credit%20each%20year%2C%20and%20comes%20with%20one%20of%20the%20best%20travel%20insurance%20policies%20I've%20ever%20had.&mini=true&utmSource=linkedIn&utmContent=referral&utmTerm=topbar&referrer=linkedIn" label="linkedin" title="Share on LinkedIn" aria-label="Click to share on LinkedIn" data-share-link data-flip-widget="" data-track-event-label="linkedin" data-track-element="story" data-href-share="https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review&title=Why%20I%20recommend%20the%20Chase%20Sapphire%20Reserve%20to%20anyone%20who%20values%20adventure%20and%20luxury%20travel%20as%20much%20as%20I%20do&summary=The%20Chase%20Sapphire%20Reserve%20offers%20an%20easy-to-use%20%24300%20travel%20credit%20each%20year%2C%20and%20comes%20with%20one%20of%20the%20best%20travel%20insurance%20policies%20I've%20ever%20had.&mini=true&utmSource=linkedIn&utmContent=referral&utmTerm=topbar&referrer=linkedIn" data-e2e-name="share-link-linkedin" data-utm-term="" target="_blank" data-popup-size="975|720" > <span class="dropdown-icon"><svg class="svg-icon social-linkedin-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="LinkedIn" > <path fill="currentColor" fill-rule="evenodd" d="M4 2a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h16a2 2 0 0 0 2-2V4a2 2 0 0 0-2-2H4Zm4.339 4.606a1.627 1.627 0 1 1-3.254 0 1.627 1.627 0 0 1 3.254 0Zm-.221 2.867H5.13v9.335h2.988V9.473Zm4.517 0H9.662v9.335h2.943V13.91c0-2.729 3.461-2.982 3.461 0v4.9h2.849v-5.914c0-4.6-5.07-4.43-6.31-2.17l.03-1.252Z" clip-rule="evenodd"/></svg> </svg></span> <span class="dropdown-text headline-regular">LinkedIn</span> </span> </span> <span class="dropdown-menu-item"> <span class="copy-link " data-copy-link data-href="#" label="copy link" title="Copy link" aria-label="Click to copy link" data-share-link data-track-event-label="copy link" data-href-share="" data-e2e-name="share-link-copy-link" data-utm-term="" target="_blank" data-copy-location="" > <span class="dropdown-icon"><svg class="svg-icon link-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 400 400" > <path class="link" fill="currentColor" d="M176.1 341.5c-30.9 34-83.8 37-117.7 5-33.9-31-36.9-83.9-5-117.9l5-5 58.9-59-23.9-23.9-58.9 59c-45.9 46-45.9 119.9 0 165.9s119.7 46 165.7 0l58.9-59-23.9-23.9-59.1 58.8zM200 33.7l-58.9 59 23.9 23.9 58.9-58.9c32.9-32 85.8-31 117.7 2 30.9 32 30.9 83.9 0 115.9l-58.9 59 23.9 23.9 58.9-59c45.9-46 45.9-119.9 0-165.9-45.8-44.8-119.6-44.8-165.5.1m94.8 71c-7-7-17-7-23.9 0L212 163.6l-46.9 47-58.9 59c-7 7-7 17 0 23.9s17 7 23.9 0l58.9-59 46.9-47 58.9-59c5.9-6.9 5.9-16.9 0-23.8"/> </svg></span> <span class="dropdown-text headline-regular">Copy Link</span> </span> </span> <span class="dropdown-menu-item"> <span class="dropdown-menu-item hidden"> <span class="impact-link" data-impact-link data-href="#" label="impact link" title="impact link" aria-label="Click for impact link" data-share-link data-track-event-label="impact link" data-href-share="" data-e2e-name="share-link-impact-link" data-utm-term="" target="_blank" data-copy-location="" > <span class="dropdown-icon"> <svg class="" width="11" height="21" viewBox="0 0 11 21" fill="none" xmlns="http://www.w3.org/2000/svg" > <title>lighning bolt icon</title> <desc>An icon in the shape of a lightning bolt.</desc> <path class="lightning-bolt" d="M4.1245 0L0.25 9.996H4.4395L0.25 21L10.729 6.25275H6.01975L9.1855 0H4.1245Z" fill="#002aff"/> </svg> </span> <span class="dropdown-text headline-regular">Impact Link</span> </span> </span> </span> </div> </div> <div class="vertical-divider"></div> <button class="sharebar-link save-article save-button " label="save-article" title="Save Article" aria-label="Save this article" data-location="top" data-track-event-label="save-article" data-component-type="save-article" data-track-element="story" data-e2e-name="share-link-save-article" > <svg class="svg-icon bookmark-icon " role="img" width="1em" height="1em" viewBox="-1 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg" > <title>Save Article Icon</title> <desc>A bookmark</desc> <path class="save-article" d="M9.5 1.5C10.0523 1.5 10.5 1.94772 10.5 2.5L10.5 12.0642C10.5 12.2352 10.2992 12.3273 10.1696 12.2158L6.12484 8.73665C6.04978 8.67209 5.93878 8.67216 5.86381 8.73682L1.83061 12.2149C1.701 12.3267 1.5 12.2346 1.5 12.0634L1.5 2.5C1.5 1.94771 1.94772 1.5 2.5 1.5L9.5 1.5Z" stroke-width="1.5" stroke="currentColor" /> </svg> <span class="button-text headline-regular">Save</span> </button> <div class="vertical-divider d-md-none"></div> <a class="d-md-none read-in-app-button " data-app-button data-only-on="mobile" data-component-type="read-in-app-button" title="Download the app" aria-label="Click to download the app" data-track-event-label="app" target="_blank" href="https://insider-app.onelink.me/4cpG/?af_js_web=true&af_ss_ver=2_3_0&af_dp=insider%3A%2F%2Fbi%2Fpost%2Fpersonal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review&af_force_deeplink=true&is_retargeting=true&deep_link_value=https%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review&pid=businessinsider&c=post_page_share_bar_v2_smart_4.13.23" > <svg class="mobile-icon" width="9" height="16" viewBox="0 0 9 16" fill="none" xmlns="http://www.w3.org/2000/svg" > <path fill-rule="evenodd" clip-rule="evenodd" d="M0.199951 2C0.199951 1.17157 0.871524 0.5 1.69995 0.5H7.27138C8.09981 0.5 8.77138 1.17157 8.77138 2V14C8.77138 14.8284 8.09981 15.5 7.27138 15.5H1.69995C0.871523 15.5 0.199951 14.8284 0.199951 14V2ZM5.55709 13.3571C5.55709 13.9489 5.0774 14.4286 4.48567 14.4286C3.89393 14.4286 3.41424 13.9489 3.41424 13.3571C3.41424 12.7654 3.89393 12.2857 4.48567 12.2857C5.0774 12.2857 5.55709 12.7654 5.55709 13.3571ZM7.43209 1.83929H1.53924V11.2143H7.43209V1.83929Z" fill="#0a0a0a"/> </svg> <span class="headline-regular button-text"> Read in app </span> </a></section> </section> <div class="col-12"> </div> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope itemtype="https://schema.org/ImageObject" > <div class="aspect-ratio" style="padding-top: calc(100% / (2048 / 1024))" > <meta itemprop="contentUrl" content="https://i.insider.com/670ee34da70318649282a65c?width=700"/> <img src="https://i.insider.com/670ee34da70318649282a65c?width=700" srcset="https://i.insider.com/670ee34da70318649282a65c?width=400&format=jpeg&auto=webp 400w, https://i.insider.com/670ee34da70318649282a65c?width=500&format=jpeg&auto=webp 500w, https://i.insider.com/670ee34da70318649282a65c?width=700&format=jpeg&auto=webp 700w, https://i.insider.com/670ee34da70318649282a65c?width=1000&format=jpeg&auto=webp 1000w, https://i.insider.com/670ee34da70318649282a65c?width=1300&format=jpeg&auto=webp 1300w, https://i.insider.com/670ee34da70318649282a65c?width=2000&format=jpeg&auto=webp 2000w" sizes="(min-width: 1280px) 900px" alt="Katherine Fan in South Africa on safari with no rhinos" decoding="async" /> </div> <span class="image-source-caption with-caption-drawer"> <input class="caption-drawer-input" type="checkbox" id="caption-drawer-checkbox"> <label class="caption-drawer-label" for="caption-drawer-btn"> <svg class="svg-icon arrow-up-icon caption-drawer-icon" xmlns="http://www.w3.org/2000/svg" width="12" height="8" viewBox="0 0 12 8" > <title>Angle down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M11.3281 0.792709C11.1874 0.796035 11.0537 0.854817 10.9562 0.95625L5.99996 5.9125L1.04371 0.95625C0.994011 0.90516 0.934574 0.864549 0.868913 0.836818C0.803251 0.809086 0.732698 0.794796 0.661421 0.794792C0.555323 0.79482 0.451644 0.826488 0.363639 0.885749C0.275634 0.94501 0.207301 1.02917 0.167378 1.12747C0.127454 1.22577 0.117753 1.33374 0.139515 1.43758C0.161277 1.54143 0.213513 1.63642 0.289546 1.71042L5.62288 7.04375C5.7229 7.14374 5.85854 7.1999 5.99996 7.1999C6.14139 7.1999 6.27702 7.14374 6.37705 7.04375L11.7104 1.71042C11.7878 1.63594 11.841 1.5398 11.8629 1.43459C11.8848 1.32939 11.8744 1.22003 11.833 1.12084C11.7917 1.02164 11.7214 0.937245 11.6313 0.878694C11.5412 0.820144 11.4355 0.790174 11.3281 0.792709V0.792709Z" fill="currentColor"/> </svg> </label> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption" > <span class="image-caption-text">My Chase Sapphire Reserve has some of the best travel delay reimbursement benefits across all travel insurance policies.</span> <span class="image-source-text"> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText" > Katherine Fan/Lauren Ashley Studios </span> </span> </figcaption> </span> </figure> <div class="typography sticky-toc-post-wrapper"> <nav class="sticky-toc js-sticky-toc-dropdown hide-menu headline-semibold helpfulness-mobile-toc" data-component-type="sticky-toc" > <div class="sticky-toc-title-wrapper helpfulness-mobile-toc" > <div class="helpfulness-mobile-toc-title"> <span class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#chase-sapphire-reserve®-rewards" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Rewards </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#chase-sapphire-reserve®-benefits" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Benefits </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#my-favorite-perk:-the-most-comprehensive-credit-card-travel-insurance-you'll-find" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > My Favorite Perk: The Most Comprehensive Credit Card Travel Insurance You'll Find </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#chase-sapphire-reserve®-frequently-asked-questions" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Frequently Asked Questions </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#why-you-should-trust-me:-how-i-reviewed-the-chase-sapphire-reserve®" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Me: How I Reviewed the Chase Sapphire Reserve® </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#chase-sapphire-reserve®-rewards" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Rewards </a> </li> <li> <a href="#chase-sapphire-reserve®-benefits" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Benefits </a> </li> <li> <a href="#my-favorite-perk:-the-most-comprehensive-credit-card-travel-insurance-you'll-find" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > My Favorite Perk: The Most Comprehensive Credit Card Travel Insurance You'll Find </a> </li> <li> <a href="#chase-sapphire-reserve®-frequently-asked-questions" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Reserve® Frequently Asked Questions </a> </li> <li> <a href="#why-you-should-trust-me:-how-i-reviewed-the-chase-sapphire-reserve®" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Me: How I Reviewed the Chase Sapphire Reserve® </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</p><p class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.</p><p></p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>I have several <a href="https://www.businessinsider.com/personal-finance/best-premium-credit-cards" data-analytics-product-module="body_link" rel="">premium credit cards</a> in my wallet. The Chase Sapphire Reserve® card earns a place among them thanks to benefits like the best credit card travel insurance I've found, and the value I place on <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ultimate-rewards-points-transfer-partners" data-analytics-product-module="body_link" rel="">Chase Ultimate Rewards.</a></p><p>The Chase Sapphire Reserve® is one of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-analytics-product-module="body_link" rel="">best travel rewards credit cards</a> of all time, and previously held Business Insider's top-choice title of "best travel card overall". But after Chase increased the card's annual fee to $550 in 2020, our credit card experts demoted it in favor of its mid-tier sibling, the <a href="https://www.businessinsider.com/personal-finance/chase-sapphire-preferred-card-review" data-analytics-product-module="body_link" rel="">Chase Sapphire Preferred® Card</a>.</p><p>In my opinion, the Chase Sapphire Reserve® is perfect for foodies who value luxury or adventure and travel at least three times a year, especially if one of those trips is international.</p><p>While this card's annual fee is costly and may not be the best for everyone, I've had it for over six years and plan on keeping it for several reasons I'll dive into below.</p> <div id="chase-sapphire-reserve®" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Chase Sapphire Reserve®</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71663-20&h=51cd9605d0a617d41788307b6f6eca1135ad5248589dc094055a484c2feee577&platform=browser&postID=66a0056dc79d31931d82a64d&postSlug=personal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669554" rel="nofollow noindex" data-analytics-product-id="5e72234fc48540106c2d63b3" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Reserve®" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=51cd9605d0a617d41788307b6f6eca1135ad5248589dc094055a484c2feee577&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669554"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Chase's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71663-20&h=51cd9605d0a617d41788307b6f6eca1135ad5248589dc094055a484c2feee577&platform=browser&postID=66a0056dc79d31931d82a64d&postSlug=personal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669554" rel="nofollow noindex" data-analytics-product-id="5e72234fc48540106c2d63b3" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Reserve®" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=51cd9605d0a617d41788307b6f6eca1135ad5248589dc094055a484c2feee577&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669554"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/65cb9b8bf533b039a882f01f?width=400" alt="Chase Chase Sapphire Reserve®"> <noscript> <img src="https://i.insider.com/65cb9b8bf533b039a882f01f?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e72234fc48540106c2d63b3-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8434272748033611"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8434272748033611)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6272267371389222"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6272267371389222)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9445104034100742"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9445104034100742)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7395326998242395"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7395326998242395)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3630551176181922"> <stop stop-color="#faa809" offset="40%"></stop> <stop stop-color="white" offset="40%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3630551176181922)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.4<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 5x 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 & 1x point per $1 spent on all other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$550</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">21.99% - 28.99% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 60,000 bonus points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5e72234fc48540106c2d63b3" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Reserve®" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Annual travel credit can effectively shave $300 off the annual fee if you use it</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Strong travel insurance</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Strong bonus rewards on travel and dining</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Very high annual fee</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.</p> </div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.</li> <li class="financial-product-card__product-details__list-item">$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.</li> <li class="financial-product-card__product-details__list-item">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</li> <li class="financial-product-card__product-details__list-item">Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.</li> <li class="financial-product-card__product-details__list-item">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.</li> <li class="financial-product-card__product-details__list-item">1:1 point transfer to leading airline and hotel loyalty programs</li> <li class="financial-product-card__product-details__list-item">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®</li> <li class="financial-product-card__product-details__list-item">Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.</li> <li class="financial-product-card__product-details__list-item">Member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e72234fc48540106c2d63b3" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Reserve®" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 data-toc-label="Chase Sapphire Reserve® Rewards" id="chase-sapphire-reserve®-rewards" class="toc-anchor">Chase Sapphire Reserve® Rewards</h2><p>The Chase Sapphire Reserve® earns <a href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-chase-ultimate-rewards-points" target="_blank" rel="noopener" data-analytics-product-module="body_link">Chase Ultimate Rewards</a> points, which are some of the most valuable credit card rewards in the points and miles ecosystem. According to Business Insider's <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-points-miles-worth-value" data-analytics-product-module="body_link" rel="">points valuations</a>, Ultimate Rewards have an average value of 1.8 cents apiece.</p><p>I have half a dozen Chase cards that earn Ultimate Rewards points, but my Chase Sapphire Reserve® is the "one card to rule them all."</p><p>I funnel points earned from my other cards to the Chase Sapphire Reserve® for additional value, either by sending them to <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ultimate-rewards-points-transfer-partners" data-analytics-product-module="body_link" rel="">Chase Ultimate Rewards point transfer partners</a> or by redeeming them through Chase Travel℠ for 1.5 cents apiece. </p><p>The other Ultimate Rewards-earning cards in my wallet include the Ink Business Preferred® Credit Card, Ink Business Unlimited® Credit Card<a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-unlimited-credit-card-review" data-analytics-product-module="body_link" rel=""></a><a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-cash-credit-card-review" data-analytics-product-module="body_link" rel=""></a>,  Ink Business Cash® Credit Card<a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-cash-credit-card-review" data-analytics-product-module="body_link" rel=""></a>, Chase Freedom Unlimited®<a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-unlimited-review" data-analytics-product-module="body_link" rel=""></a>, and Chase Freedom Flex®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Chase Chase Freedom Flex® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-flex-credit-card-review" data-analytics-product-module="body_link" rel=""></a>.</p><h3><strong>Welcome Bonus</strong></h3><p>Earning a welcome bonus is the quickest way to jump-start or boost your stash of points. The Chase Sapphire Reserve® currently offers a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. This bonus is worth $1,080 in travel when you transfer points to airline and hotel partners, according to Business Insider's valuations.</p><p>I personally think this bonus is just average in the world of <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-current-credit-card-signup-bonuses" data-analytics-product-module="body_link" rel="">credit card welcome offers</a>, sometimes also called sign-up bonuses. While some credit cards are worth opening for the welcome offer alone, I typically earn this many points on my card each year just by using my Chase Sapphire Reserve® for all dining and travel expenses. </p><p><strong>Pro tip:</strong> The Sapphire credit cards have some of the strictest restrictions within the Chase family. If you already have the Chase Sapphire Preferred® Card, you can't also get a Chase Sapphire Reserve® (or vice versa); you'll need to downgrade or cancel the card you already have. You also won't be eligible for a new welcome bonus if you got your last Sapphire card within the past 48 months (four years).</p><h3>Using Chase Ultimate Rewards</h3><p>I can transfer points from my Chase Sapphire Reserve® and other Chase cards to more than a dozen of the world's best-known airlines and hotels:</p><ul><li>Aer Lingus</li><li><a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-earn-use-air-canada-aeroplan-miles-points" rel="noopener">Air Canada</a></li><li>Air France-KLM</li><li>British Airways</li><li>Iberia</li><li>Emirates</li><li><a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-earn-redeem-hyatt-points" rel="noopener">Hyatt</a></li><li><a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-earn-use-ihg-points" rel="noopener" data-analytics-post-depth="0" data-uri="9cf7b4ab4b8f150274a0c84007191d41">IHG</a></li><li>JetBlue</li><li><a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-earn-redeem-marriott-points" rel="noopener" data-analytics-post-depth="0" data-uri="fd21a560134a39290e6e8304bd40e05d">Marriott</a></li><li>Singapore Airlines</li><li><a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-earn-redeem-southwest-points" rel="noopener">Southwest</a></li><li><a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-earn-use-united-mileageplus-miles" rel="noopener" data-analytics-post-depth="0" data-uri="1615da9eadc70f215302708b56bc8600">United</a></li><li>Virgin Atlantic</li></ul><p>I regularly transfer points to Air Canada, Southwest, United, and Hyatt, and semi-occasionally use Air France-KLM and Virgin Atlantic. In my six years as a Chase Sapphire Reserve® cardholder, the only partners I haven't utilized have been Aer Lingus and Iberia. </p><h2 data-toc-label="Chase Sapphire Reserve® Benefits" id="chase-sapphire-reserve®-benefits" class="toc-anchor">Chase Sapphire Reserve® Benefits</h2><p>Despite the high annual fee, the Chase Sapphire Reserve® has a lot to offer. </p><h3 data-toc-label="My Favorite Perk: The Most Comprehensive Credit Card Travel Insurance You'll Find" id="my-favorite-perk:-the-most-comprehensive-credit-card-travel-insurance-you'll-find" class="toc-anchor"><strong>My Favorite Perk: The Most Comprehensive Credit Card Travel Insurance You'll Find</strong></h3><p>The "best" perk is also the most technical benefit to discuss. Nobody gets excited about insurance, but it's one of the best blessings in the world in the unlucky chance that you need it. </p><p>The Chase Sapphire Reserve®'s travel insurance is among the most generous travel insurance coverage of any credit card, so it's a great choice for booking flights and other transportation.</p><p>I highly value the travel insurance and purchase coverage that comes with this credit card. In fact, a single claim from a 2018 trip saved me more than $1,800 out of pocket on a chaotic three-week Italy trip.</p><p>I've reviewed a number of <a href="https://www.businessinsider.com/personal-finance/travel-insurance" data-analytics-product-module="body_link" rel="">travel insurance</a> plans and providers throughout my career and have even purchased annual travel insurance policies in the past. However, the travel insurance from the Chase Sapphire Reserve® has covered 95% of my needs. </p><h4><strong>Primary Car Rental Insurance</strong></h4><p>This card offers primary rental car insurance when I use the card to pay for a rental car. Primary coverage means that I don't need to file claims for damage, loss, or collisions through my personal auto insurance policy, as long as I've paid for the rental car with my Chase Sapphire Reserve®.</p><p>Liability insurance isn't included in this benefit, so you may still want to purchase liability coverage through the rental car company. </p><p><strong>Pro tip:</strong> As of October 2024, New York state residents with auto insurance policies are no longer eligible for primary coverage on rental cars although you'll still have secondary coverage. If you live in New York but don't have a car insurance policy, you still qualify for primary rental car protection. </p><p><strong>Trip Interruption/Cancellation Insurance</strong></p><p>If you've paid for an eligible trip with the card and it's cut short or canceled for a covered reason such as illness or severe weather, you can be reimbursed up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses.</p><p>I used this benefit to help me rebook travel from Chicago to Venice in 2018, when my original flight was canceled altogether. Although United helped me get a new flight to Rome, I lost my original flight from Rome to Venice in the shuffle. The insurance from my Chase Sapphire Reserve® covered the cost of booking a new flight. </p><p><strong>Trip Delay Insurance</strong></p><p>If you pay for travel with this card, your trip delay insurance benefit can reimburse you up to $500 per ticket for hotel rooms, food, toiletries, clothes, or other reasonable expenses when your flight is delayed overnight or by six hours or more.</p><p>It also helped me pay for new train tickets and a hotel in Florence when a train strike derailed my itinerary halfway through the trip. </p><h4><strong>Baggage Delay Insurance</strong></h4><p>If you pay for your trip with the card and your bags are delayed for six hours or more, you could be reimbursed for essential purchases (like clothing and toiletries) up to $100 per day for up to five days.</p><p>This benefit helped me replace several hundred dollars of lost clothing during the Italy trip when my bags were stranded on a different plane due to summer thunderstorms. It took six days for my luggage to reach me, during which I maxed out the $500 allowance. </p><h4><strong>Lost Luggage Reimbursement</strong></h4><p>If the airline damages or loses your bags, you and your immediate family members could be covered for up to $3,000 per passenger if you've paid for your tickets with the card.</p><p>This clause of the Chase Sapphire Reserve®'s travel insurance benefits has helped me replace two separate suitcases at different times: Once for a cracked shell, and once for a broken telescoping handle. </p><h4><strong>Additional Benefits</strong></h4><p>I've never had to use any of the following benefits (knock on wood). But they're always great to know about, just in case:</p><ul><li><strong>Travel accident insurance</strong> — When you pay for your air, bus, cruise, or train transportation with the Chase Sapphire Reserve®, you're eligible for accidental death or dismemberment coverage of up to $1,000,000.</li><li><strong>Roadside assistance — </strong><a href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71663-20&h=2ccee03108b53e3da5e5a2c940a83d4941a8a17dae35e689939aaa27e4e1abe5&platform=browser&postID=66a0056dc79d31931d82a64d&postSlug=personal-finance%2Fcredit-cards%2Fchase-sapphire-reserve-credit-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26669545%26cr%3D28496%26last_updated%3D1599683586" target="_blank" rel="nofollow noindex noopener sponsored" data-analytics-product-module="commerce_link" data-analytics-module="body_link" data-analytics-post-depth="100" data-uri="a7bbf91f666052026036a4bb9fba3ad8" data-am-orig-url="https://affiliate.insider.com/?h=2ccee03108b53e3da5e5a2c940a83d4941a8a17dae35e689939aaa27e4e1abe5&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26669545%26cr%3D28496%26last_updated%3D1599683586"></a>Reserve cardholders can contact the roadside assistance hotline for help with a tow, jumpstart, tire change, lock</li><li><strong>Emergency evacuation/transportation — </strong>Cardholders and their immediate family members can access an emergency evacuation and transportation benefit of up to $100,000 in coverage if they're injured or become critically ill during a covered trip of between five and 60 days. The evacuation must be approved by Chase's benefits administrator in consultation with a licensed physician.</li><li><strong>Emergency medical and dental benefits —</strong> Supplements any existing medical coverage I have if I'm injured or get sick on a trip of five to 60 days. There's a maximum benefit of $2,500 with a $50 deductible. If I need to recover in a hotel, I'm can be covered for costs up to $75 per day for up to five days. </li></ul><p><strong>Pro tip:</strong> The Chase Sapphire Preferred® Card has a much lower annual fee of $95, and comes with most of these travel insurance benefits, sometimes with lower tiers of coverage. For the price point, that card is a far better deal for most people who want some backup protection but who don't travel frequently enough to justify a premium card like the Chase Sapphire Reserve®</p><p>Read more in our <a href="https://www.businessinsider.com/personal-finance/chase-sapphire-preferred-card-review" data-analytics-product-module="body_link" rel="">Chase Sapphire Preferred card review</a>, or look at our <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-reserve-credit-card-comparison" data-analytics-product-module="body_link" rel="">Chase Sapphire Preferred vs. Reserve card comparison</a> to see which one makes the most sense for your own travel and financial needs. </p><h3><strong>Lyft Pink All Access Membership</strong></h3><p>I've been a Lyft-exclusive rider since 2018, thanks to the partnership between Chase and Lyft. Because I earn 10 Chase points per dollar on Lyft transactions when I pay with the Chase Sapphire Reserve®, I only use Uber when I'm traveling abroad or have a discount code (or credit card benefit). </p><p>As a Chase Sapphire Reserve® cardholder, I also get two years of complimentary Lyft Pink All Access membership. This is Lyft's most premium membership plan, worth $199 per year, and comes with excellent perks such as member-exclusive pricing, cancellation forgiveness, priority pickup upgrades, unlimited bike rides, and more. </p><h3><strong>Rental Car Discounts and Perks with Avis, National, and Silvercar </strong></h3><p>Chase Sapphire Reserve® cardholders get special privileges on Avis, National, and Silvercar car rentals, including complimentary elite status. Benefits vary between the three companies but typically include a car class upgrade, easy pick-up/drop-off, discounts, savings on luxury and premium cars, and special promotions</p><p>I don't use these benefits often, but my friends who have kids or specific rental vehicle requirements tell me that the Chase Sapphire Reserve®'s rental car benefits are very valuable for them. </p><h3><strong>$300 Annual Travel Credit</strong></h3><p>Every year, the Chase Sapphire Reserve® gives me a travel credit that applies to the first $300 I spend on subways, taxis, ridesharing, and parking, as well as hotels, airfare, and cruises. The statement credit automatically appears next to any eligible transaction I pay with this card.</p><h3><strong>DoorDash Food Delivery</strong></h3><p>The Chase Sapphire Reserve® offers cardholders complimentary DashPass membership for waived delivery fees on qualifying orders. I'll have this benefit through December 31, 2027, and I had to enroll through my Chase account dashboard to receive this benefit.</p><p>As of summer 2024, my card now includes a $5 monthly DoorDash credit that works on restaurant orders. These credits expire every three months, so I can accumulate up to $15 in credit before I redeem them (or they expire).</p><p>I also get two monthly $10 DoorDash credits for grocery or convenience store orders that can't be used at restaurants. In most cases, the added cost of delivery and service fees negates the $10 savings, but I've occasionally ordered green juice for pickup from my local 7-Eleven to use up the credit. </p><h3><strong>Priority Pass Airport Lounge Access</strong></h3><p>Having access to airport lounges is one of my favorite perks of the Chase Sapphire Reserve®. Lounges are comfortable, relaxing, and exclusive areas where you can enjoy comfortable seats, an internet connection, food and drinks — often complimentary — and other amenities on occasion. </p><p>The Chase Sapphire Reserve® is the original card that helped me <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-get-priority-pass-for-free" data-analytics-product-module="body_link" rel="">get Priority Pass for free</a>. My <a href="https://www.businessinsider.com/personal-finance/credit-cards/credit-cards-with-airport-lounge-access" data-analytics-product-module="body_link" rel="">Priority Pass Select membership</a> lets me bring two guests with me to any lounge — a fringe benefit that's fantastic for families or couples. </p><p>This benefit far less useful than I did several years ago, because I now have three credit cards that come with Priority Pass access. While I still find the Chase Sapphire Reserve® very valuable, it feels extravagant to triple-pay for a pricy benefit I can only use once at a time. </p><p><strong>Pro tip:</strong> If you want to share Priority Pass access with family members who don't travel with you, check out my <a href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-venture-x-rewards-credit-card-review" data-analytics-product-module="body_link" rel="">Capital One Venture X Rewards credit card review</a> to see how I juice five airport lounge memberships out of a single premium credit card. And if you aren't sure which card to get, read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-venture-x-vs-chase-sapphire-reserve-credit-card-comparison" data-analytics-product-module="body_link" rel="">comparison of the Capital One Venture X and Chase Sapphire Reserve</a> credit cards.</p><h3>Chase Sapphire Lounges</h3><p>In 2022, Chase began launching a proprietary portfolio of <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-lounge" rel="noopener" data-analytics-product-module="body_link">Chase Sapphire Lounges</a> in airports worldwide that are available to Chase Sapphire Reserve® cardholders and all Priority Pass members. </p><h4>Chase Sapphire Terrace</h4><p>My home airport, Austin, has a Chase Sapphire Terrace — a unique little space you won't find anywhere else in the world. This location is only available to Chase Sapphire Reserve® cardholders; Priority Pass members can't enter. </p><p>This sliver of indoor/outdoor space is exclusive to Chase Sapphire Reserve® cardholders, and only offers to-go snacks, Farmer's Fridge vending machine meals like salads, pastas, and sandwiches, and canned beverages (both alcoholic and non-alcoholic). There's a single-stall bathroom on the outdoor patio, eight indoor seats, and an open-air patio space overlooking the Delta end of the tarmac.</p><p>The space isn't particularly luxurious or reflective of the other Chase Sapphire Lounges, but we have some of the sweetest staff members I've ever met. There aren't any outlets, but you can ask the check-in desk for a portable charger to juice up your devices before travel. </p><h3><strong>Global Entry, TSA PreCheck, or NEXUS Application Fee Credit</strong></h3><p>The Chase Sapphire Reserve® offers a statement credit of up to $120 for Global Entry, TSA PreCheck®, or NEXUS enrollment. This benefit is available once every four years, and membership in any of these programs is valid for up to five years — so if you keep this card open, you'll always have a credit available when you need to renew your membership. </p><p>Thanks to this credit card, I have both <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-global-entry-tsa-precheck-credit-card" rel="noopener" data-analytics-product-module="body_link">TSA Precheck and Global Entry</a>, which includes TSA PreCheck enrollment. </p><h3><strong>Access to Chase Travel and The Edit by Chase Travel</strong></h3><p>Award travel aficionados have mixed reviews when it comes to booking travel through your credit card company. In many cases, I get the best rates and customer service by booking travel directly through the airline or hotel chain. But from time to time, I use the Chase Travel℠ portal when I don't want to spend any money out of pocket.</p><p>Chase Travel℠ works just like any other online travel agency (OTA) — and when I pay with my Chase Sapphire Reserve® but use points at checkout, I get a 50% bonus, where each point is worth 1.5 cents instead of the standard 1 point apiece. I typically book travel through Chase Travel℠ when I need to book a direct domestic flight in cash, but don't want to pay for it out of pocket.</p><h2 data-toc-label="Chase Sapphire Reserve® Frequently Asked Questions" id="chase-sapphire-reserve®-frequently-asked-questions" class="toc-anchor">Chase Sapphire Reserve® Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What credit score do you need to get the Chase Sapphire Reserve®? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You'll need a credit score of at least 670 to get the Chase Sapphire Reserve®. Most people who are approved for the Chase Sapphire Reserve® have a credit score in the good to excellent range, meaning a FICO score of at least 670. You need a credit score above 700 to open most travel credit cards. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Chase Sapphire Reserve® card worth it? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Chase Sapphire Reserve® is worth it if you're a frequent traveler who will maximize the card's credits and benefits. A frequent traveler can easily save $1,000 per year with the Chase Sapphire Reserve®. But if you don't think you'll be able to use these benefits, you'll likely do better with the Chase Sapphire Preferred® Card. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Who is the Chase Sapphire Reserve® good for? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Chase Sapphire Reserve® is good for frequent travelers who can make the most of its benefits, especially the annual travel credit and airport lounge access. If you won't book paid travel through Chase and don't travel through airports with Priority Pass lounges, you might want to consider a different, less expensive, travel card.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Chase Sapphire Reserve® hard to get?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Chase Sapphire Reserve® is only hard to get if you meet the following criteria: You have opened five or more cards in the past 24 months from any bank (excluding most small-business credit cards), known as the <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-is-chase-524-rule" rel="noopener" data-analytics-product-module="body_link">Chase 5/24 rule;</a> you currently hold any flavor of Chase Sapphire card; or your credit score is below 670. You won't be eligible for its bonus if you've received a Sapphire bonus within the past 48 months.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I add an authorized user to my Chase Sapphire Reserve®? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can add an authorized user to your Chase Sapphire Reserve® through your online account. There's a $75 fee for each authorized user, but they'll get their own Priority Pass Select membership and get access to travel insurance and other benefits when they use their card.</p> </div> </div> </div><h2 data-toc-label="Why You Should Trust Me: How I Reviewed the Chase Sapphire Reserve®" id="why-you-should-trust-me:-how-i-reviewed-the-chase-sapphire-reserve®" class="toc-anchor">Why You Should Trust Me: How I Reviewed the Chase Sapphire Reserve®</h2><p>I've been writing about credit cards for nearly a decade at this point, and have held premium and entry-level credit cards for many years before that.</p><p>I reviewed the Chase Sapphire Reserve® by comparing it against similar premium credit cards, and assessed its merits based on the following factors:</p><ul><li><strong>Ease of use —</strong> Is the card's rewards earning and redeeming easy to understand, even for beginners? Are there multiple options for using rewards?</li><li><strong>Potential rewards —</strong> Does the card offer a generous welcome bonus compared to competing cards, and does it offer bonus categories that are useful to the average traveler? Are any of the categories capped?</li><li><strong>Annual fee vs. value —</strong> Premium cards usually come with high annual fees. Is the fee justified by the rewards and perks the card offers?</li><li><strong>Benefits —</strong> Are the card's benefits, especially related to travel and upscale perks, at least equal to or better than similar cards?</li></ul><p>Here's a guide to <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" rel="" data-analytics-module="body_link" data-analytics-post-depth="100" data-uri="f29426e4a1584ac8e22e14db6bc9b9b8" data-analytics-product-module="body_link">how we rate credit cards</a> at Business Insider for closer look at our methodology.</p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/chase-sapphire-reserve-credit-card-review-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="katherine-fan"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of the author Katherine Fan"> <noscript> <img src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Katherine Fan</div> </a> <div class="post-author_title headline-regular">Correspondent, Credit Cards</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Katherine Fan is a personal finance expert, journalist, and public speaker with almost 10 years of industry experience. She began her career in tech before transitioning to journalism in 2015. Katherine currently serves as Personal Finance Insider's correspondent for credit card coverage. Before joining Business Insider as Senior Editor of Credit Cards, Katherine covered aviation, award travel, loyalty programs, and credit cards as a senior reporter for The Points Guy, and small business finances as a lead writer for Nerdwallet. </span><span>Katherine has also freelanced for CNN Underscored, Forbes Advisor, Wall Street Journal Buy Side, Bankrate, CreditCards.com, the Dallas Morning News, LendingTree, Upgraded Points, Fortune Recommends, Newsweek, and Slickdeals Money. Her work has been syndicated by Nasdaq, MSN and Yahoo. </span><span><span class="headline-semibold">Experience</span></span><span>Katherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. </span><span>Katherine has been a speaker at TravelCon, and has been featured on multiple podcasts including NPR Life Kit, Expedia's Out Travel the System, and The Points Guy's Miles Away. In her spare time, Katherine moonlights as a photojournalist covering Formula 1, Austin City Limits, and SXSW for the Austin American-Statesman and other media outlets. When she's not jetsetting around the world, you'll likely find her in Austin cooking up a batch of spicy Chinese food.<span class="headline-semibold">Expertise</span></span><span>Katherine's expertise encompasses:</span><ul><li><span>Small business finances</span></li><li><span>Credit cards</span></li><li><span>Points and miles travel</span></li><li><span>Travel insurance</span></li><li><span>Real estate investing</span></li></ul><span>Katherine's interest in personal finance runs parallel to her passions for real estate investing and award travel. Despite a salary of just $28,000 a year from her first full-time job, Katherine built an excellent credit score of 805 from scratch through hard work [and privilege], which allowed her to purchase her first home six years after graduating college. She's since added five more doors to her real estate portfolio, although she plans to retire on her index fund investments.Thanks to credit card travel rewards, Katherine has flown well over one million miles visiting 44 countries across all seven continents. She's sailed with orcas in Antarctica, flown home in first class from Japan, photographed a wedding at Hobbiton in New Zealand, and gone on safari in South Africa. But her most meaningful trips always bring her home to loved ones in Taiwan. <span class="headline-semibold">Education</span></span><span>Katherine holds dual degrees in photojournalism and Asian American studies from the University of Texas at Austin, and a certificate in business Chinese proficiency from National Taiwan University. She began her professional career in tech as a software sales executive for seven years before returning to her media roots. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="angela-fung"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/662fb906ec0c696569feabc8?crop=1:1&width=256&format=jpeg&auto=webp" alt="Angela Fung's face on a gray background."> <noscript> <img src="https://i.insider.com/662fb906ec0c696569feabc8?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Angela Fung</div> </a> <div class="post-author_title headline-regular">Marketing Compliance Manager</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Angela Fung is the Compliance Manager for Business Insider's <a href="https://www.businessinsider.com/personal-finance" rel="">Personal Finance</a> division, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> <p class="body-italic"><p style="font-size:10px;"><em>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.</em></p><p style="font-size:14px;"><em>For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.</em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. You can opt-out at any time by visiting our Preferences page or by clicking "unsubscribe" at the bottom of the email. </div> </form> </section> <div class="inline-newsletter-img-wrapper-desktop"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> <style> .inline-newsletter-signup.loading { width: 100%; max-width: 640px; margin: 0 auto; visibility: hidden; } </style> </div></section> <section class="category-wrapper headline-regular" data-track-click-shared="{"product_field":"bi_value_unassigned","event":"navigation","element_name":"category_link"}" > </section> </article> </div> </section> </section>  <aside id="l-rightrail" data-rail> <div class="featured-products sticky-featured-product" data-component-type="featured-products" data-is-pfi-banking-post="false"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <div class="featured-product-image-placeholder"></div> <div class="featured-product-hgroup"> <div class="featured-product-placeholder-block"> <div class="featured-product-text-placeholder"></div> <div class="featured-product-text-placeholder"></div> </div> <div class="featured-product-text-placeholder"></div> <div class="featured-product-text-placeholder"></div> <div class="featured-product-text-placeholder"></div> <div class="featured-product-text-placeholder"></div> </div> <div class="featured-product-cta"> <div class="featured-product-link featured-product-link-placeholder">Loading...</div> <div class="featured-product-text-placeholder"></div> </div> </div> </div> </aside> </section> </section> <div class="pw-modal-entry"></div> <div class="pw-modal-backdrop"></div> </section> <div data-notify-wrapper class="notify-wrapper"> <span data-notify-close class="notify-close icon-close"></span> <span class="icon-check"></span> <span data-notify-message class="notify-message"></span> </div> <div class="inline-backup-paywall mobile" data-component-type="inline-backup-paywall" style="display:none"> <span class="headline-semibold subscription-msg">This story is available exclusively to Business Insider subscribers. <a href="/subscription" class="subscription-link">Become an Insider</a> and start reading now.</span> <span class="headline-regular login-prompt">Have an account? <button class="login-prompt-btn">Log in</button>.</span> </div> <footer class="l-footer" data-e2e-name="footer" data-track-page-area="Footer" data-footer data-component-type="footer" > <section class="container"> <div class="l-footer-container ml-auto mr-auto"> <section class="row brands"> <section class="col-12 col-lg-4"> <div class="logo-row"> <a href="https://www.businessinsider.com" class="business-insider-logo" title="Visit Business Insider" aria-label="Click to visit Business Insider" alt="Click to visit Business Insider" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 32 / 93)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/logos/stacked-black.svg' alt="Business Insider" /> <noscript> <img src="/public/assets/logos/stacked-black.svg" /> </noscript> </div> </a> </div> </section> <section class="col-12 col-lg-4 brands-social"> <section class="social social-wide deferred" data-e2e-name="social-links" > <span class="brands-label">Follow us on:</span> <a class="social-link facebook deferred" href="https://www.facebook.com/businessinsider" label="facebook" title="Follow us on Facebook" aria-label="Click to visit us on Facebook" data-follow-link="" data-track-event-label="facebook" data-e2e-name="facebook" target="_blank" rel="noopener nofollow" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 24)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/social/social-facebook.svg' alt="Facebook" /> <noscript> <img src="/public/assets/social/social-facebook.svg" /> </noscript> </div> </a> <a class="social-link twitter deferred " href="https://x.com/businessinsider" label="X" title="Follow us on X" aria-label="Click to visit us on X" data-follow-link="" data-track-event-label="X" data-e2e-name="X" target="_blank" rel="noopener nofollow" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 24)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/social/social-x.svg' alt="X" /> <noscript> <img src="/public/assets/social/social-x.svg" /> </noscript> </div> </a> <a class="social-link linkedin deferred" href="https://www.linkedin.com/company/businessinsider/" label="linkedin" title="Connect with us on LinkedIn" aria-label="Connect with us on LinkedIn" data-follow-link="" data-track-event-label="linkedin" data-e2e-name="linkedin" target="_blank" rel="noopener nofollow" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 24)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/social/social-linkedin.svg' alt="LinkedIn" /> <noscript> <img src="/public/assets/social/social-linkedin.svg" /> </noscript> </div> </a> <a class="social-link youtube deferred" href="https://www.youtube.com/user/businessinsider" label="youtube" title="Subscribe to our YouTube channel" aria-label="Click to visit our YouTube channel" data-follow-link="" data-track-event-label="youtube" data-e2e-name="youtube" target="_blank" rel="noopener nofollow" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 24)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/social/social-youtube.svg' alt="YouTube" /> <noscript> <img src="/public/assets/social/social-youtube.svg" /> </noscript> </div> </a> <a class="social-link instagram deferred last" href="https://www.instagram.com/businessinsider/" label="instagram" title="Follow us on Instagram" aria-label="Click to visit us on Instagram" data-follow-link="" data-track-event-label="instagram" data-e2e-name="instagram" target="_blank" rel="noopener nofollow" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 24)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/social/social-instagram.svg' alt="Instagram" /> <noscript> <img src="/public/assets/social/social-instagram.svg" /> </noscript> </div> </a> </section> </section> <section class="col-12 col-lg-4 app-badges"> <div class="app-badges-wrapper"> <a href="https://itunes.apple.com/app/apple-store/id554260576?mt=8" class="app-badge" target="_blank" rel="noopener nofollow" alt="Download the app on the App Store" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 40 / 135)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/badges/app-store-badge.svg' alt="Download on the App Store" /> <noscript> <img src="/public/assets/badges/app-store-badge.svg" /> </noscript> </div> </a> <a href="https://play.google.com/store/apps/details?id=com.freerange360.mpp.businessinsider" class="app-badge" target="_blank" rel="noopener nofollow" alt="Download the app on Google Play" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 40 / 135)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/badges/google-play-badge.svg' alt="Get it on Google Play" /> <noscript> <img src="/public/assets/badges/google-play-badge.svg" /> </noscript> </div> </a> </div> </section> </section> <section class="l-footer-bottom-shim row copy headline-regular"> <section class="col-12"> <ul class="copy-listgroup"> <li class="copy-first-listitem"> * <a class="copy-link" href="https://www.insider-inc.com/terms/" >Copyright © 2024</a> Insider Inc. All rights reserved. Registration on or use of this site constitutes acceptance of our <a class="copy-link" href="https://www.insider-inc.com/terms/" data-e2e-name="footer-terms-of-service" >Terms of Service</a> <span>and</span> <a class="copy-link privacy" href="https://www.insider-inc.com/privacy-policy" data-e2e-name="footer-privacy-policy" >Privacy Policy</a>. </li> </ul> <ul class="copy-listgroup"> <li class="copy-listitem"> <a class="copy-link copy-policy-link" href="https://www.businessinsider.com/contact" title="" aria-label="Contact Us" target="" data-e2e-name="footer-contact" >Contact Us</a> </li> <li class="copy-listitem"> <a class="copy-link copy-policy-link" href="https://www.businessinsider.com/masthead" title="" aria-label="Masthead" target="" data-e2e-name="footer-masthead" >Masthead</a> </li> <li class="copy-listitem"> <a class="copy-link copy-policy-link" href="//www.businessinsider.com/sitemap/html/index.html" title="" aria-label="Sitemap" target="" data-e2e-name="footer-sitemap" >Sitemap</a> </li> <li class=" copy-listitem"> <a class="copy-link copy-policy-link" href="https://www.insider-inc.com/disclaimer" title="" aria-label="Disclaimer" target="" data-e2e-name="footer-disclaimer" >Disclaimer</a> </li> <li class=" copy-listitem"> <a class="copy-link copy-policy-link" href="https://www.insider-inc.com/accessibility/" title="" aria-label="Accessibility" target="" data-e2e-name="footer-accessibility" >Accessibility</a> </li> <li class=" copy-listitem"> <a class="copy-link copy-policy-link" href="https://www.insider-inc.com/commerce-on-insider-inc/" title="" aria-label="Commerce Policy" target="" data-e2e-name="footer-commerce-policy" >Commerce Policy</a> </li> <li class=" copy-listitem"> <a class="copy-link copy-policy-link" href="https://www.insider-inc.com/advertising-policies" title="" aria-label="Advertising Policies" target="" data-e2e-name="footer-advertising-policies" >Advertising Policies</a> </li> <li class="copy-listitem"> <a class="copy-link copy-external-link" href="https://boards.greenhouse.io/insider" aria-label="Jobs at Business Insider" data-e2e-name="footer-jobs" target="_blank" rel="noopener nofollow" >Jobs @ Business Insider</a> </li> </ul> <ul class="copy-listgroup"> <li class="copy-listitem"> Stock quotes by <a class="copy-link copy-external-link" href="https://www.finanzen.net/" data-e2e-name="footer-finanzen.net" rel="noopener nofollow" >finanzen.net</a> </li> <li class="last copy-listitem"> <a class="copy-link copy-policy-link" href="https://www.parsintl.com/publication/business-insider/" title="" aria-label="Reprints and Permissions" target="" data-e2e-name="footer-reprints-permissions" rel="noopener nofollow" >Reprints & Permissions</a> </li> </ul> </section> </section> <section class="editions-list-inline" data-editions-list-inline > <section class="editions-list headline-regular" data-editions-list > <ul class="editions-listgroup"> <li class="editions-listitem-label">International Editions:</li> <li class="editions-listitem us is-active"> <a class="editions-link" href="https://www.businessinsider.com/" data-e2e-name="editions-link-us is-active" > <span class="editions-link-name">United States</span> <span class="editions-link-abbr">US</span> </a> </li> <li class="editions-listitem uk"> <a class="editions-link" href="https://www.businessinsider.com/international" data-e2e-name="editions-link-uk" > <span class="editions-link-name">International</span> <span class="editions-link-abbr">INTL</span> </a> </li> <li class="editions-listitem AT"> <a class="editions-link" href="https://www.businessinsider.de?IR=C" data-e2e-name="editions-link-AT" > <span class="editions-link-name">Deutschland & Österreich</span> <span class="editions-link-abbr">AT</span> </a> </li> <li class="editions-listitem DE"> <a class="editions-link" href="https://businessinsider.de?IR=C" data-e2e-name="editions-link-DE" > <span class="editions-link-name">Deutschland</span> <span class="editions-link-abbr">DE</span> </a> </li> <li class="editions-listitem ES"> <a class="editions-link" href="https://businessinsider.es" data-e2e-name="editions-link-ES" > <span class="editions-link-name">España</span> <span class="editions-link-abbr">ES</span> </a> </li> <li class="editions-listitem IN"> <a class="editions-link" href="https://www.businessinsider.in" data-e2e-name="editions-link-IN" > <span class="editions-link-name">India</span> <span class="editions-link-abbr">IN</span> </a> </li> <li class="editions-listitem JP"> <a class="editions-link" href="https://www.businessinsider.jp" data-e2e-name="editions-link-JP" > <span class="editions-link-name">Japan</span> <span class="editions-link-abbr">JP</span> </a> </li> <li class="editions-listitem NL"> <a class="editions-link" href="https://www.businessinsider.nl?IR=C" data-e2e-name="editions-link-NL" > <span class="editions-link-name">Netherlands</span> <span class="editions-link-abbr">NL</span> </a> </li> <li class="editions-listitem PL"> <a class="editions-link" href="https://www.businessinsider.com.pl/?IR=C" data-e2e-name="editions-link-PL" > <span class="editions-link-name">Polska</span> <span class="editions-link-abbr">PL</span> </a> </li> </ul> </section> </section> <section class="legacy-logos"> <div class="legacy-logo-row"> <div class="insider-com-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 103)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/INSIDER/US/logos/insider-com-trademark-opt.svg' alt="Insider.com TM Logo" /> <noscript> <img src="/public/assets/INSIDER/US/logos/insider-com-trademark-opt.svg" /> </noscript> </div> </div> <div class="insider-inc-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 77)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/INSIDER/US/logos/insider-inc.svg' alt="Insider-Inc Logo" /> <noscript> <img src="/public/assets/INSIDER/US/logos/insider-inc.svg" /> </noscript> </div> </div> </div> <div class="legacy-logo-row-container"> <div class="legacy-logo-row"> <a href="https://www.businessinsider.com" class="insider-logo" title="Visit Business Insider" aria-label="Click to visit Business Insider" alt="Click to visit Business Insider" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 17 / 100)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/INSIDER/US/logos/Insider-logo-dark-opt.svg' alt="Insider" /> <noscript> <img src="/public/assets/INSIDER/US/logos/Insider-logo-dark-opt.svg" /> </noscript> </div> </a> </div> <div class="legacy-logo-row"> <div class="brands-logo brands-logo-de" title="Business Insider DE Logo" aria-label="Business Insider DE Logo" alt="Business Insider DE Logo" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 32 / 151)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/DE/logos/BI-DE-Black-on-Light-final-footer-logo-opt.svg' alt="Business Insider DE Logo" /> <noscript> <img src="/public/assets/BI/DE/logos/BI-DE-Black-on-Light-final-footer-logo-opt.svg" /> </noscript> </div> </div> <div class="brands-logo brands-logo-tech-insider" title="Tech Insider Logo" aria-label="Tech Insider Logo" alt="Tech Insider Logo" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 44 / 103)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/Tech-Insider-opt.svg' alt="Tech Insider Logo" /> <noscript> <img src="/public/assets/BI/US/logos/Tech-Insider-opt.svg" /> </noscript> </div> </div> </div> </div> </section> </div> </section> </footer> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "first-party", script: "%3Cscript%20async%20type%3D%22text%2Fjavascript%22%20src%3D%22%2Fscripts%2Futilities.6d50648d04beab0ec191.js%22%3E%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "first-party", script: "%3Cscript%20async%20type%3D%22text%2Fjavascript%22%20src%3D%22%2Fscripts%2Fvendors.f39084c26b26fec2ab0c.js%22%3E%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "first-party", script: "%3Cscript%20async%20type%3D%22text%2Fjavascript%22%20src%3D%22%2Fscripts%2Fmain.87a532549aa49e52e762.js%22%3E%3C%2Fscript%3E" });</script>  <noscript> <img src="https://sb.scorecardresearch.com/p?c1=2&c2=9900186&cv=3.6.0&;cj=1&comscorekw=yourmoney"/> </noscript> <script id="consent-manager-script">(()=>{var n={20187:(n,e,t)=>{"use strict";const o="/cross-domain"===window.location.pathname;const r=function(){if(!window.Fenrir.cm.usPrivacyApplies||o)return;const n=window.localStorage.getItem("fenrirConsentStatus");if("opt-out"===n&&!window.Fenrir?.cm?.userConsent)return;let{ESSENTIAL:e,MARKETING:t,PERSONALIZATION:r,ANALYTICS:i,OPT_OUT:s}=window.Fenrir.cm.userConsent||{};if(!n||"opt-in"===n&&!window.Fenrir.cm.userConsent){e="ACCEPT",t="ACCEPT",r="ACCEPT",i="ACCEPT",s="DENY";const n={ESSENTIAL:e,MARKETING:t,PERSONALIZATION:r,ANALYTICS:i,OPT_OUT:s,STORAGE:"ACCEPT"};window.Fenrir.cm.userConsent=n,window.Fenrir.cm.storedConsent=n}const a=(n=>{const{ESSENTIAL:e,MARKETING:t,PERSONALIZATION:o,ANALYTICS:r,OPT_OUT:i}=n;let s="ACCEPT"===e&&"ACCEPT"===t&&"ACCEPT"===o&&"ACCEPT"===r&&"DENY"===i;return"GPP"===window.Fenrir.privacyApi&&(s="ACCEPT"===t&&"DENY"===i),s?"opt-in":"opt-out"})(window.Fenrir.cm.userConsent);a!==n&&window.localStorage.setItem("fenrirConsentStatus",a)},i=async()=>{const n=localStorage.getItem("profile");if(!n)return;let e;try{e=JSON.parse(n)}catch{return}const t=e["https://insider/memberId"],o=e["https://insider/token"];if(!t||!o)return;const r=(n=>{const e={},t={MARKETING:"marketing",ANALYTICS:"analytics",PERSONALIZATION:"personalization",OPT_OUT:"optOut",STORAGE:"storage"};return Object.entries(n).forEach((n=>{let[o,r]=n;const i=t[o];i&&(r&&"accept"===r.toLowerCase()?e[i]=!0:e[i]=!1)})),e})(window.Fenrir?.cm?.userConsent||{}),{continentCode:i,countryCode:s}=window.Fenrir.geoData,a={...r,continentCode:i,countryCode:s};if("GPP"===window.Fenrir.privacyApi){const n=r.optOut;a.personalization=!n,a.storage=!n,a.analytics=!n}else"TCF"===window.Fenrir.privacyApi&&(a.optOut=!r.marketing);const c=localStorage.getItem("idun-consent-preferences");let d={};if(c)try{d=JSON.parse(c)}catch{}if(d.marketing!==a.marketing||d.analytics!==a.analytics||d.personalization!==a.personalization||d.optOut!==a.optOut||d.storage!==a.storage)try{(await fetch(`${window.Fenrir.config.idun}/v1.0/users/${t}/consent-preferences`,{method:"POST",headers:{"Content-Type":"application/json",Authorization:`Bearer ${o}`},body:JSON.stringify(a)})).ok&&localStorage.setItem("idun-consent-preferences",JSON.stringify(a))}catch(n){}};let s=!1;function a(){if(s)return;s=!0;const n=window.dataLayer||[],{privacyApi:e="GPP"}=window.Fenrir||{},t=window.Fenrir?.cm?.userConsent,o={event:"privacy",privacy_analytics:"ACCEPT"===t?.ANALYTICS,privacy_marketing:"ACCEPT"===t?.MARKETING,privacy_personalization:"ACCEPT"===t?.PERSONALIZATION,privacy_dns:"ACCEPT"===t?.OPT_OUT,privacy_storage:"ACCEPT"===t?.STORAGE};"TCF"===e&&(o.privacy_dns="N/A"),"GPP"===e&&(o.privacy_storage="N/A"),n.push(o),window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"consentManager sendConsentDataToGA",consentData:o})}function c(){window.Fenrir.geoData?i():document.addEventListener("onGeoDataCaptured",(()=>{i()}))}window._sp_queue&&window._sp_queue.push((()=>{window._sp_.addEventListener("onMessageReady",(n=>{"gdpr"===n&&a()})),window._sp_.addEventListener("onConsentReady",(()=>{a()})),window._sp_.addEventListener("onMessageChoiceSelect",((n,e,t)=>{const o=window.dataLayer||[],r={storage:"n/a",marketing:"n/a",personalization:"n/a",analytics:"n/a"};let i={event:"privacy_center_engagement",element_name:"privacy_banner"};const s=n=>(i.action="save",Object.keys(r).forEach((e=>{r[e]=n})),{...i,...r});if("gdpr"===n){switch(t){case 11:i=s("on");break;case 12:i.action="click_to_preference_center";break;case 13:i=s("off")}o.push(i),window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"privacy modal engagement dataLayer push",dataEvent:i})}}))}));t(80845);const d="Sourcepoint Load - start",w="Sourcepoint Load - end sourcepoint",u="Sourcepoint Load - has consent",p="Sourcepoint Load - load queue consent";let l=!1,m=!1,C=!1;function f(){return m||l}function A(n){let e="ACCEPT",t="DENY";return!0===n&&(e="DENY",t="ACCEPT"),{OPT_OUT:t,MARKETING:e}}function T(n){const e="ACCEPT";let t="DENY",o="DENY",r="DENY";return n?(!0===n[3]&&!0===n[4]&&(t="ACCEPT"),!0===n[5]&&!0===n[6]&&(o="ACCEPT"),!0===n[8]&&!0===n[9]&&!0===n[10]&&(r="ACCEPT"),{ESSENTIAL:e,MARKETING:t,PERSONALIZATION:o,ANALYTICS:r,STORAGE:"ACCEPT"}):{ESSENTIAL:e,MARKETING:t,PERSONALIZATION:o,ANALYTICS:r,STORAGE:"ACCEPT"}}function g(n){const{step:e,timeFromStart:t}=n;delete n.step,delete n.timeFromStart;const o={now:window.Fenrir.getTime(),step:e,timeFromStart:t,cmStarted:window.Fenrir.cm.cmStarted,usPrivacyApplies:window.Fenrir.cm.usPrivacyApplies,euPrivacyApplies:window.Fenrir.cm.euPrivacyApplies,windowLoaded:window.Fenrir.cm.windowLoaded,userConsent:window.Fenrir.cm.userConsent,storedConsent:window.Fenrir.cm.storedConsent,queueConsent:window.Fenrir.cm.queueConsent,...n};return o.timeFromStart||delete o.timeFromStart,o}function F(n){window.Fenrir.cm.storedConsent=n,window.Fenrir.cm.userConsent=n}function E(n){F(n),window.Fenrir.cm.cmStarted=!0,window.Fenrir.cm.loadQueueConsent();const e=new CustomEvent("onConsentReady",{detail:{consent:n,type:"update"}});document.dispatchEvent(e),r(),c()}window.performance.mark(d),window.__tcfapi&&window.__tcfapi("addEventListener",2,(function(n,e){if(e&&n){if("cmpuishown"===n.eventStatus){window.Fenrir.console.info(g({step:"consentManager sp.getTCData cmpuishown"}));if(F(T(n.purpose?.consents||{})),!m){window.performance.mark(w);const n=window.performance.measure("load - sourcepoint",d,w);window.Fenrir.console.info(g({step:"consentManager europePrivacy.bannerShown",timeFromStart:n.duration}))}m=!0,window.Fenrir.cm.cmStarted=f(),window.Fenrir.cm.loadQueueConsent()}else if("useractioncomplete"===n.eventStatus||"tcloaded"===n.eventStatus){window.Fenrir.console.info(g({step:`consentManager sp.getTCData ${n.eventStatus}`}));const e=T(n.purpose?.consents);F(e),l||(window.performance.mark(u),window.performance.measure("consentManager europePrivacy.consentGiven",d,u)),l=!0,window.Fenrir.cm.cmStarted=f(),window.Fenrir.cm.loadQueueConsent();const t=new CustomEvent("onConsentReady",{detail:{consent:e,type:"update"}});document.dispatchEvent(t),r(),c()}}else window.Fenrir.console.info(g({step:"consentManager sp.getTCData error",tcData:n}))})),window.__gpp&&window.__gpp("addEventListener",(function(n){if("sectionChange"===n.eventName){let e=!1;Object.keys(n.pingData.parsedSections).forEach((t=>{1===n.pingData?.parsedSections[t]?.SaleOptOut&&(e=!0)})),window.Fenrir.console.info(g({step:"consentManager gpp.sectionChange",data:n}));E(A(e))}else if("signalStatus"===n.eventName&&"disabled"===n.pingData?.cmpDisplayStatus){window.Fenrir.console.info(g({step:"consentManager gpp.signalStatus",data:n}));E(A(!1))}}));const S="GPP"===window.Fenrir?.privacyApi,y="TCF"===window.Fenrir?.privacyApi;window.Fenrir.cm={cmStarted:!1,windowLoaded:!1,usPrivacyApplies:S,euPrivacyApplies:y,onConsent:function(n){if("function"!=typeof n)throw new Error("method `onConsent` requires `callback` function");return document.addEventListener("onConsentReady",(e=>{window.Fenrir.console.info(g({step:"consentManager onConsentReady",event:e})),n(e.detail)})),n({consent:window.Fenrir.cm.storedConsent,type:"stored"})},requestConsent:function(n){const e=window.Fenrir.cm.storedConsent;window.Fenrir.cm.userConsent=e,window.Fenrir.console.info(g({step:"consentManager requestConsent",requestor:n}));const t=new CustomEvent("onConsentReady",{detail:{consent:window.Fenrir.cm.userConsent,type:"request",scope:n}});document.dispatchEvent(t)},loadQueueConsent:function(){if(window.Fenrir.console.info(g({step:"consentManager loadQueueConsent"})),!window.Fenrir.cm.windowLoaded||!window.Fenrir.cm.cmStarted||!window.Fenrir.cm.userConsent)return;let n;C||(window.performance.mark(p),n=window.performance.measure("queue load - sourcepoint",d,p)),C=!0,window.Fenrir.config.delayThirdPartyScripts=!1,window.Fenrir.console.info(g({step:"consentManager loadQueueConsent load scripts",timeFromStart:n?.duration}));let e=window.Fenrir.cm.queueConsent.length;for(;e;){const n=window.Fenrir.cm.queueConsent.shift();e=window.Fenrir.cm.queueConsent.length,"function"==typeof n&&n(),window.Fenrir.console.info(g({step:"consentManager loadQueueConsent script",queueLength:e}))}},getAdConsent:function(){function n(){let n=!0;return window.Fenrir.cm.usPrivacyApplies?n="ACCEPT"!==window.Fenrir.cm.userConsent.OPT_OUT:window.Fenrir.cm.euPrivacyApplies&&(n="DENY"!==window.Fenrir.cm.userConsent.MARKETING),n}return new Promise((e=>{if(window.Fenrir?.cm?.userConsent)e(n());else{const t=setTimeout((()=>e(!0)),3e3);document.addEventListener("onConsentSaved",(()=>{t&&clearTimeout(t),e(n())}))}}))},queueConsent:[],forceCMP:function(){const n="/your-privacy-choices"===window.location.pathname,e=navigator?.globalPrivacyControl;return n||e}()},window.Fenrir.console.info(g({now:window.Fenrir.getTime(),step:"consentManager starting...",tcfapi:window.__tcfapi})),r()},80845:()=>{if(window.Fenrir=window.Fenrir||{config:{}},!window.Fenrir.console){window.Fenrir.console={};const n=window.Fenrir?.config?.featureFlags?.logs||new URLSearchParams(document.location.search).has("logs");Object.entries(window.console).forEach((e=>{let[t,o]=e;"function"==typeof o&&(window.Fenrir.console[t]=n?o.bind(window.console):()=>{})}))}window.Fenrir.getTime||(window.Fenrir.getTime=function(){const n=new Date;function e(n){let e=arguments.length>1&&void 0!==arguments[1]?arguments[1]:"00";return`${e}${n}`.slice(-e.length)}return`${e(n.getHours())}:${e(n.getMinutes())}:${e(n.getSeconds())}.${e(n.getMilliseconds(),"000")}`})}},e={};function t(o){var r=e[o];if(void 0!==r)return r.exports;var i=e[o]={exports:{}};return n[o](i,i.exports,t),i.exports}t.m=n,t.c=e,t.o=(n,e)=>Object.prototype.hasOwnProperty.call(n,e),(()=>{t.S={};var n={},e={};t.I=(o,r)=>{r||(r=[]);var i=e[o];if(i||(i=e[o]={}),!(r.indexOf(i)>=0)){if(r.push(i),n[o])return n[o];t.o(t.S,o)||(t.S[o]={});t.S[o];var s=[];return s.length?n[o]=Promise.all(s).then((()=>n[o]=1)):n[o]=1}}})();t(20187)})();</script><script id="script-loader-script">(()=>{var e={4462:(e,t,n)=>{"use strict";n(80845);const r={},i={sm:"0",smMax:"599px",md:"600px",mdMax:"959px",lg:"960px",lgMax:"1259px",xl:"1260px"};window.Fenrir?.viewVersion&&(i.mdMax="1007px",i.lg="1008px");const o={small:`(max-width:${i.smMax})`,medium:`(min-width:${i.md}) and (max-width:${i.mdMax})`,large:`(min-width:${i.lg}) and (max-width:${i.lgMax})`,xlarge:`(min-width:${i.xl})`},d={mobile:`(max-width:${i.smMax})`,tablet:`(min-width:${i.md}) and (max-width:${i.mdMax})`,desktop:`(min-width:${i.lg})`},a=e=>({get:()=>window.matchMedia(e).matches}),s=e=>({get:()=>Object.values(e).reduce(((t,n,r)=>(window.matchMedia(n).matches&&(t=`${Object.keys(e)[r]}`),t)),"")});Object.defineProperties({},{isSmall:a(o.small),isMedium:a(o.medium),isLarge:a(o.large),isXLarge:a(o.xlarge),current:s(o)}),Object.defineProperties({},{isMobile:a(d.mobile),isTablet:a(d.tablet),isDesktop:a(d.desktop),current:s(d)}),Object.defineProperties(r,{isMobile:a(`(max-width:${i.mdMax})`),isDesktop:a(d.desktop),deviceType:{get:()=>window.matchMedia(`(max-width:${i.mdMax})`).matches?"mobile":"desktop"},width:{get:()=>document.documentElement.clientWidth},height:{get:()=>document.documentElement.clientHeight}});(()=>{function e(e){const t=new RegExp(`(?:^|;)(?:[ s]*)(?:${e}=)([^;]+)`).exec(document.cookie);return t&&t[1]?t[1]:null}})();const c=function(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:"",t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:"variant";const n=document.querySelector(`meta[name="ii-ab-test:${e}"]`);if(!n)return!1;const r=n.getAttribute("value");return[t].flat().includes(r)},l="testing"===window.Fenrir?.config?.context,w=window.Fenrir?.config?.shouldDeferScripts,p=3e3,m=document.querySelector("head");function u(e,t){e=decodeURIComponent(e);const n=document.createElement("div");n.innerHTML=e;const r=window.Fenrir?.privacyApi;window.Fenrir.cm.cmStarted||"NONE"!==r||(window.Fenrir.cm.cmStarted=!0);Array.prototype.slice.call(n.querySelectorAll("script")).forEach(((e,n)=>{let r=e;const{trackLoad:i=""}=r.dataset||{};try{const o=r&&r.dataset&&r.dataset.consent,d=()=>{r.textContent&&r.textContent.trim()?(r=document.createElement("script"),r.textContent=e.textContent,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.loadMethod: injectInlineScript",trackLoad:i,scriptIndex:t,script:r})):r.src&&(r=function(e,t){const n=document.createElement("script");let r,i,o;return Array.prototype.slice.call(e.attributes).forEach((e=>{const t=e.nodeName;let d=e.nodeValue;["id","src","async","defer"].includes(t)?(["async","defer"].includes(t)&&!d&&(d=1),n[t]=d):"data-track-load"===t?r=d:"data-request-consent"===t&&window.Fenrir?.config?.delayThirdPartyScripts?i=d||!0:"onload"===t?o=d:n.setAttribute(t,d)})),r&&(n.onerror=function(){window.Fenrir.trackedScripts.push({name:r,error:!0})}),n.onreadystatechange=function(e,t){if((t||!n.readyState||/loaded|complete/.test(n.readyState))&&(r&&window.Fenrir.trackedScripts.push({name:r,error:!1}),i&&window.Fenrir.cm&&window.Fenrir.cm.requestConsent(i),n.onreadystatechange=null,n.onload=null,o)){window.Fenrir.console.info({step:"scriptLoader.loadMethod: downloadScript.OnLoad",onloadCallback:o});const e=document.createElement("script");e.setAttribute("data-on-load-callback"),e.textContent=o,m.appendChild(e)}},n.onload=n.onreadystatechange,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.loadMethod: downloadScript",src:e.src,trackLoad:e.dataset.trackLoad,scriptIndex:t,script:e}),n}(r,t));const o=e.id||`inline-script-${t}-${n}`;r.setAttribute("data-script-id",o),window.setTimeout((()=>m.appendChild(r)),0)};if(o&&window.Fenrir.cm&&(!window.Fenrir.cm.windowLoaded||!window.Fenrir.cm.cmStarted||window.Fenrir.cm.euPrivacyApplies&&!window.Fenrir.cm.userConsent))return void window.Fenrir.cm.queueConsent.push((()=>{d()}));d()}catch(e){console.error(e)}}))}function f(e){e=e||"load";const t=window.allScripts.filter(((t,n)=>{if(Object.prototype.hasOwnProperty.call(t,"index")||(t.index=n),t.filtered)return!1;const i=t.type||"load",o=/data-only-on=['"]?(?<onlyOn>[A-Za-z\d\s-_]*)['"]?/gi.exec(decodeURIComponent(t.script)),d=o?.groups?.onlyOn;if(d&&d!==r.deviceType)return t.filtered=!0,!1;if(window.Fenrir.cm&&!window.Fenrir.cm.euPrivacyApplies){if("first-party"===e){if(i.indexOf("first-party")>=0)return t.filtered=!0,!0}else if(i.indexOf("first-party")<0)return t.filtered=!0,!0;return!1}const a=e===t.type;return a&&(t.filtered=!0),a}));window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.loadScriptLoaderScripts: filtered",loadScriptType:e,scripts:t,allScripts:window.allScripts}),t.forEach(((e,t)=>{e.loaded||(e.loaded=!0,l?u(e.script,t):setTimeout((()=>{u(e.script,e.index||t)}),0))}))}window.allScripts=window.allScripts||[],window.Fenrir.trackedScripts=[];let g=!1;const F=[];function y(e){if(window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.manageScriptTypeLoadOrder",scriptTypeToLoad:e}),"load"===e){if(g)return;return g=!0,f(e),void F.forEach(f)}g?f(e):F.push(e)}function h(){window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.triggered: load"}),y("load"),window.Fenrir.cm&&(window.Fenrir.cm.loadQueueConsent(),window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.milestone: loadQueueConsent"}))}if(w){let e=!1;const t=()=>{if(window.Fenrir.cm&&(window.Fenrir.cm.windowLoaded=!0,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.eventHandler: window.load"})),e)return;let t;if(e=!0,c("tti","v1")&&(t="requestIdleCallback"),c("tti","v2")&&(t="setTimeout"),c("tti","v3")&&(t="onLargestContentfulPaint"),c("tti","v4")&&(t="afterFirstPartyComplete"),window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.triggered: first-party ",ttiTestType:t}),f("first-party"),t){if("requestIdleCallback"===t)r={timeout:p},"function"==typeof(n=h)&&("function"==typeof requestIdleCallback?requestIdleCallback(n,r):setTimeout(n,0));else if("setTimeout"===t)setTimeout(h,p);else if("onLargestContentfulPaint"===t)!function(e){"function"==typeof e&&("function"==typeof PerformanceObserver&&"function"==typeof LargestContentfulPaint?new PerformanceObserver((t=>{const n=t.getEntries(),r=n[n.length-1];window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.eventHandler: onLargestContentfulPaint",entry:r}),e({entry:r})})).observe({type:"largest-contentful-paint",buffered:!0}):setTimeout(e,p,{entry:void 0,fallback:!0}))}(h);else if("afterFirstPartyComplete"===t){let e=!1;document.addEventListener("loadDelayedOnLoadScripts",(()=>{e||(e=!0,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.eventHandler: loadDelayedOnLoadScripts"}),h())}))}}else h();var n,r};window.addEventListener("load",t),"serviceWorker"in navigator&&("local"!==window.Fenrir.config.fenrirEnv?window.addEventListener("load",(()=>{window.Fenrir.console.info("Registering service worker"),navigator.serviceWorker.register("/service-worker.js")})):navigator.serviceWorker.getRegistrations().then((e=>{e.forEach((e=>{window.Fenrir.console.info("Unregistering service worker"),e.unregister()})).catch((e=>{window.Fenrir.console.info("Error unregistering service worker",e)}))})))}let v=!1;document.addEventListener("loadDelayedFirstPartyScripts",(()=>{v||(v=!0,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.eventHandler: loadDelayedFirstPartyScripts"}),window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.triggered: gdpr-first-party"}),y("gdpr-first-party"))}));let x=!1;document.addEventListener("loadDelayedThirdPartyScripts",(()=>{x||(x=!0,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.eventHandler: loadDelayedThirdPartyScripts"}),window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.triggered: gdpr"}),y("gdpr"),window.Fenrir.onloadDelayedThirdPartyScripts())}))},80845:()=>{if(window.Fenrir=window.Fenrir||{config:{}},!window.Fenrir.console){window.Fenrir.console={};const e=window.Fenrir?.config?.featureFlags?.logs||new URLSearchParams(document.location.search).has("logs");Object.entries(window.console).forEach((t=>{let[n,r]=t;"function"==typeof r&&(window.Fenrir.console[n]=e?r.bind(window.console):()=>{})}))}window.Fenrir.getTime||(window.Fenrir.getTime=function(){const e=new Date;function t(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:"00";return`${t}${e}`.slice(-t.length)}return`${t(e.getHours())}:${t(e.getMinutes())}:${t(e.getSeconds())}.${t(e.getMilliseconds(),"000")}`})}},t={};function n(r){var i=t[r];if(void 0!==i)return i.exports;var o=t[r]={exports:{}};return e[r](o,o.exports,n),o.exports}n.m=e,n.c=t,n.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),(()=>{n.S={};var e={},t={};n.I=(r,i)=>{i||(i=[]);var o=t[r];if(o||(o=t[r]={}),!(i.indexOf(o)>=0)){if(i.push(o),e[r])return e[r];n.o(n.S,r)||(n.S[r]={});n.S[r];var d=[];return d.length?e[r]=Promise.all(d).then((()=>e[r]=1)):e[r]=1}}})();n(4462)})();</script> <iframe src="about:blank" data-src="https://markets.businessinsider.com/cross-domain" data-load-strategy="disable-lazy" id="0-iframe" style="display:none" class="cross-domain" ></iframe> <iframe src="about:blank" data-src="https://my.businessinsider.com/cross-domain" data-load-strategy="disable-lazy" id="1-iframe" style="display:none" class="cross-domain" ></iframe> <div class="component password-creation style-loading" data-password-creation data-component-type="password-creation" data-load-strategy="exclude" data-load-markup="password-creation/template" > </div> <div class="jumper style-loading" data-component-type="jumper" > <p>Jump to</p> <ol> <li><a href="#post-headline">Main content</a></li> <li><a href="#search" data-jumper-action="click">Search</a></li> <li><a href="#account" data-jumper-action="account">Account</a></li> </ol> </div> <div id="checkoutEntry" class="bifrost-entry full-screen hidden"></div> <div id="authEntry" class="bifrost-entry full-screen hidden"></div> <div id="dialogEntry" class="bifrost-entry full-screen hidden"></div> <div id="contentWallDrawerEntry" class="bifrost-entry bottom hidden"></div> <div id="appBannerEntry" class="bifrost-entry bottom hidden"></div> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%0A%20%20%20%20data-consent%3D%22ANALYTICS%22%0A%20%20%20%0A%20%20%20%20src%3D%22https%3A%2F%2Fsnippet.affilimatejs.com%22%0A%20%20%20%20async%0A%20%20%3E%3C%2Fscript%3E" });</script> <noscript> <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-MP6F46L" title="GTM" height="0" width="0" style="display:none;visibility:hidden" ></iframe> </noscript> </body> </html>

CINXE.COM

My 2024 Chase Sapphire Reserve Review: Best Credit Card Travel Insurance