Chase
Chase Sapphire Reserve
Annual Fee
$795
Sign-up Bonus
125,000 pts
Travel Credit
$300
Direct link. CardSavvy earns no commission today.
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 8x on flights (catalog median is 2x)
- 8x on hotels (catalog median is 2x)
- 5x on rideshare (catalog median is 1x)
- Airport lounge access
- The $795 annual fee needs strong category spending to clear
- 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. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
-$105/yr
$312 rewards + $378 credits - $795 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$71/yr
$488 rewards + $378 credits - $795 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$757/yr
$1,174 rewards + $378 credits - $795 fee
Rewards by Category
Dining
3x
Grocery
1x
Gas
1x
Flights
8x
Hotels
8x
Other Travel
4x
Online Shopping
1x
Rideshare
5x
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: 1.0 cents per point
The Fine Print That Changes the Math
8x points on Chase Travel (hotels, flights, car rentals, cruises). 4x points on flights/hotels booked direct. 3x points on dining. 5x total points on Lyft through Sep 30, 2027. 1x on everything else. $300 Annual Travel Credit.
Benefits & Credits
Airport Lounge Access
Priority Pass or proprietary lounges
Travel Credit$300
Lyft Pink (10x rides)$120
We count this at 50% of face value (typical usage)
DoorDash DashPass$60
We count this at 30% of face value (typical usage)
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 $378/yr at typical usage reduce the effective cost.
What is the Chase Sapphire Reserve signup bonus?
125,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Chase Sapphire Reserve?
8x on flights, 8x on hotels, 5x on rideshare. Everything else earns 1x.
Is the Chase Sapphire Reserve worth the annual fee?
At a typical $24,000/yr spending profile, it comes up about $105/yr short of covering the fee. It can still win for heavier spending in its bonus categories; run your own 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.
Compare With Similar Cards
Guides Featuring This Card
Is Chase Sapphire Reserve Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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.