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Chase Sapphire Reserve
Fee raised to $795 in June 2025 with major refresh. Total stated credit value $1,925+/yr but realistically captured ~$700-$1,200 depending on lifestyle. Most complex premium card on the market — only worth it if you actively use the dining, travel, and lifestyle credits.
$2,521/yrest. value at typical spending
$795annual fee
$1,925yearly credits
−$1,130fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 3x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 8x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 13 transfer partners · Airport lounge access
- $300 annual travel credit — flexible, auto-applies to any travel purchase
- $500 The Edit by Chase hotel credit — $250 semi-annually on prepaid 2-night+ stays at luxury hotels
- $300 Sapphire Reserve Exclusive Tables dining credit — $150 semi-annually at curated restaurants via OpenTable
- $300 StubHub/Viagogo credit — $150 semi-annually for concerts and events (activation required)
- $250 Apple TV+ and Apple Music subscription credit (through 6/22/27)
- $300 DoorDash credit — monthly $5 restaurant + two $10 grocery promos (through 12/31/27)
- $120 DashPass DoorDash membership (through 12/31/27)
- $120 Lyft Credit — $10/mo through 9/30/27
- $120 Peloton Credit — $10/mo through 12/31/27
- 8x on all Chase Travel purchases (hotels, flights, cars, The Edit)
- 4x on flights and hotels booked directly with the provider
- 3x on dining at restaurants worldwide (including takeout)
- 1x on all other travel and everything else (3x general travel category eliminated June 2025)
- Chase Sapphire Lounge by The Club + Priority Pass (1,300+ lounges)
- Global Entry/TSA PreCheck/Nexus credit ($120 every 4 yrs)
- Complimentary IHG One Rewards Platinum Elite status
- Spend $75k/yr to unlock IHG Diamond, Southwest A-List, $500 Southwest credit, $250 Shops at Chase credit
- Points Boost: up to 2 cents per point on select Chase Travel bookings
Transfer partners
United MileagePlusSouthwest Rapid RewardsBritish Airways AviosAir France-KLM Flying BlueSingapore KrisFlyerAir Canada AeroplanIberia PlusAer Lingus AerClubEmirates SkywardsTurkish Miles&SmilesWorld of HyattMarriott BonvoyIHG One Rewards
Head-to-head
- Chase Sapphire Reserve vs Amex Platinum
- Chase Sapphire Reserve vs Capital One Venture X
- Chase Sapphire Reserve vs Chase Sapphire Preferred
Similar cards
- Amex Platinum$895 annual fee$2,674est. value/yr
- Marriott Bonvoy Brilliant$650 annual fee$1,547est. value/yr
- Amex Business Gold$375 annual fee$1,501est. value/yr
- Amex Gold Card$325 annual fee$1,616est. value/yr
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