Chase Sapphire Reserve by Chase: 8x travel (broad) via portal, 4x flights / airfare booked direct, 4x hotels booked direct, 3x dining & restaurants, 10x…
The Chase Sapphire Reserve is Chase's premium credit card. The $795/yr annual fee includes a 100,000-point welcome bonus after spending $6,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Chase Travel credit | $300/yr | $300 statement credit auto-applied to first $300 in Chase Travel bookings each calendar year |
| Sapphire Reserve Exclusive Tables Dining | $300/yr ($150 per half-year) | $150 H1 + $150 H2 dining credit at Sapphire Reserve Exclusive Tables restaurants |
| Apple TV+ / Apple Music | $324/yr | Complimentary Apple TV and Apple Music subscriptions for a minimum of one year when activated by June 22, 2027 ($324/yr value, Chase's own figure) |
| Lyft credits | $120/yr ($10/mo) | $10/mo Lyft credit |
| StubHub / viagogo | $300/yr ($150 per half-year) | $150 H1 + $150 H2 on event tickets via StubHub or viagogo |
| DashPass membership | $120/yr | Complimentary DoorDash DashPass membership (~$120/yr value) |
| Select Hotel Brands (2026 only) | $250/yr | $250 statement credit on stays at Marriott Premium / IHG-Hilton Premium / Boutique brands via Chase Travel — 2026 only |
| The Edit by Chase Travel hotels | $500/yr ($250 per half-year) | $250 H1 + $250 H2 on bookings through The Edit by Chase Travel℠ luxury hotel program |
| Peloton credits | $120/yr ($10/mo) | $10/mo Peloton subscription credit |
| DoorDash credits | $420/yr ($35/mo) | Up to $35/mo on DoorDash from Oct 1, 2026 through the end of 2029: a $15 monthly promo on any qualifying order plus two $10 promos for groceries, daily essentials and more. Requires DashPass activated with the card; each month's promos expire at month-end. |
| Global Entry / TSA PreCheck / NEXUS application fee | $120/quadrennial | One statement credit of up to $120 every four years as reimbursement for the Global Entry, TSA PreCheck, or NEXUS application fee charged to your card. |
Welcome bonus value (year one): ~$2000. Annual statement credits: $2874. Minus the $795 annual fee = ~$4079 in year-one net value before any spending earn. RewardsGuru rating: 4.2/5 — based on our net-value methodology.
Best fit: frequent travelers who can use the lounge access, statement credits, and elevated earn rates on travel and dining. Skip if: you'd let the annual statement credits expire unused or you only travel 1-2x per year.
100,000 points after spending $6,000 in the first 3 months. At our ~2¢/pt valuation, that's roughly $2000 in real value.
Year-one math: welcome bonus value (~$2000) + annual credits ($2874) − $795 fee = ~$4079 net before spending earn. Year-two onward, the credits alone need to clear $795 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
11 recurring statement credits: Chase Travel credit ($300/yr), Sapphire Reserve Exclusive Tables Dining ($300), Apple TV+ / Apple Music ($324/yr), Lyft credits ($120/mo), StubHub / viagogo ($300), DashPass membership ($120/yr), Select Hotel Brands (2026 only) ($250/yr), The Edit by Chase Travel hotels ($500), Peloton credits ($120/mo), DoorDash credits ($420/mo), Global Entry / TSA PreCheck / NEXUS application fee ($120). Total: $2874/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Chase's product page has the current rate.