The Chase Sapphire Reserve is the card that convinced average consumers that they could come out ahead with a premium credit card even after paying an annual fee of several hundred dollars a year. Card Rating*: ⭐⭐⭐⭐½ *Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer. Add in a $300 annual travel credit, airport lounge access and a litany of other perks, and this card is guaranteed to upgrade your travel lifestyle. Offering up to 10 points per dollar on travel and dining through the Chase portal, this card earns incredibly valuable Ultimate Rewards points that can be transferred to hotel and airline partners or redeemed directly for flights at a rate of 1.5 cents per point. The Chase Sapphire Reserve is one of the best rewards credit cards of all time.