Chase Sapphire Reserve by Chase: 8x travel (broad) via portal, 5x transit & commuting, 4x flights / airfare, 4x hotels, 3x dining & restaurants, 1x…
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/semiannual | $150 H1 + $150 H2 dining credit at Sapphire Reserve Exclusive Tables restaurants |
| Apple TV+ / Apple Music | $288/yr | Bundled Apple TV+ and Apple Music subscriptions ($250/yr value) |
| DashPass membership | $120/yr | Complimentary DoorDash DashPass membership (~$120/yr value) |
| Lyft credits | $120/mo | $10/mo Lyft credit |
| The Edit by Chase Travel hotels | $500/semiannual | $250 H1 + $250 H2 on bookings through The Edit by Chase Travel℠ luxury hotel program |
| 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 |
| DoorDash credits | $300/mo | $25/mo total $300/yr in DoorDash credits |
| StubHub / viagogo | $300/semiannual | $150 H1 + $150 H2 on event tickets via StubHub or viagogo |
| Peloton credits | $120/mo | $10/mo Peloton subscription credit |
| 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: $2718. Minus the $795 annual fee = ~$3923 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 ($2718) − $795 fee = ~$3923 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 ($288/yr), DashPass membership ($120/yr), Lyft credits ($120/mo), The Edit by Chase Travel hotels ($500), Select Hotel Brands (2026 only) ($250/yr), DoorDash credits ($300/mo), StubHub / viagogo ($300), Peloton credits ($120/mo), Global Entry / TSA PreCheck / NEXUS application fee ($120). Total: $2718/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.