Chase
Chase Sapphire Reserve
Annual Fee
$795
Sign-up Bonus
100,000 pts
Travel Credit
$300
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Card data last reviewed 2026-10-20
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 4x on flights (catalog median is 2x)
- 4x on hotels (catalog median is 1.5x)
- 3x on dining (catalog median is 2x)
- Credits worth about $903/yr at typical usage offset 100% of the fee
- Non-bonus spending earns only 1x
Is the $795 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$30/yr
$468 rewards + $357 credits - $795 fee
#81 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$282/yr
$660 rewards + $417 credits - $795 fee
#69 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$1,128/yr
$1,032 rewards + $891 credits - $795 fee
#2 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
3x
Grocery
1x
Gas
1x
Flights
4x
Hotels
4x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.5 cents per point
The Fine Print That Changes the Math
8x on Chase Travel (including The Edit), 4x on flights and hotels booked direct, 3x dining, 5x on Lyft through 2027-09-30, 10x on Peloton equipment over $150 through 2027, 1x everything else, including other travel booked outside Chase Travel. Purchases covered by the $300 travel credit earn no points. Points Boost redeems select Chase Travel bookings at up to 2 cents. Credits: $300 travel, $500 The Edit, $300 Exclusive Tables, $300 StubHub, up to $420 DoorDash, Apple TV+/Music, $120 Lyft, $120 Peloton; a $250 select-hotel credit runs through 2026-12-31 only and is not counted. Benefits after $75K of annual spend are not counted. Category columns are direct-booking rates; Chase Travel rates are in portal_rates. Rideshare is 1x because the 5x applies to Lyft only.
Benefits & Credits
Airport Lounge Access
Priority Pass or proprietary lounges
Travel Credit$300
The Edit hotel credit ($250 per prepaid 2+ night stay, Chase Travel)$500
We count this at 30% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
Sapphire Reserve Exclusive Tables dining ($150 semiannual, OpenTable)$300
We count this at 30% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
StubHub / viagogo ($150 semiannual, through 2027)$300
We count this at 20% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
DoorDash ($15/mo any order + two $10 non-restaurant promos, with DashPass)$420
We count this at 30% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
Apple TV and Apple Music subscriptions$324
We count this at 25% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
Chase's card page: $324 in Apple TV and Apple Music subscriptions; one-time activation required by June 22, 2027 (checked 2026-11-01).
Lyft ($10/mo, through 2027-09-30)$120
We count this at 50% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
Peloton membership ($10/mo, through 2027)$120
We count this at 10% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
Global Entry / TSA PreCheck / NEXUS (every 4 yrs)$30
We count this at 80% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
Up to $120 once every four years, amortized to $30 a year.
Chase Sapphire Reserve FAQ
What is the Chase Sapphire Reserve annual fee?
The Chase Sapphire Reserve has a $795 annual fee. Statement credits worth about $903/yr at typical usage reduce the effective cost.
What is the Chase Sapphire Reserve signup bonus?
100,000 points for new cardholders meeting the minimum spend. Verified 2026-11-01. Check the issuer's site for the current offer.
What are the best spending categories for the Chase Sapphire Reserve?
4x on flights, 4x on hotels, 3x on dining. Everything else earns 1x.
Is the Chase Sapphire Reserve worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $30/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
Does the Chase Sapphire Reserve include airport lounge access?
Yes. Lounge access is included; the cash value depends on how often you fly.
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Is Chase Sapphire Reserve Right for You?
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Sources & Verification
Card data last reviewed 2026-10-20.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.