Chase · Visa

Chase Sapphire Reserve

$795 annual fee · $2,190/yr in printed statement credits · 1x on everything else · no foreign transaction fees

Earn rates

Category	Rate	Cap
Rideshare	5x	uncapped
Flights	4x	uncapped
Hotels	4x	uncapped
Dining	3x	uncapped
Everything else	1x	uncapped
Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site	8x	uncapped

See how it ranks: best rideshare cards · best flights cards · best hotels cards · best dining cards.

Signup bonus: 100,000 points after $6,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-11.

Statement credits — $2,190/yr on paper

Credit	Value	How it pays
Annual travel credit	$300/year	annual · resets on your card anniversary
The Edit hotel credit	$500/year	twice a year
Select Chase Travel Hotels credit	$250/year	annual
Sapphire Reserve dining credit	$300/year	twice a year
DoorDash monthly promos	$300/year	monthly · enrollment required
StubHub / viagogo credit	$300/year	twice a year · enrollment required
Lyft in-app credits	$120/year	monthly
Peloton membership credit	$120/year	monthly · enrollment required

Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.

Non-cash perks

Chase Sapphire Lounges by The Club + Priority Pass Select membership (1,300+ lounges, up to 2 guests)
Access to select Air Canada Maple Leaf Lounges/Cafes with eligible boarding pass
Complimentary DashPass membership, 12 months, ~$120 value, activate by 12/31/2027
IHG One Rewards Platinum Elite Status through 12/31/2027
Reserve Travel Designers custom itinerary service, valued up to $300/trip
Auto Rental Coverage, primary, up to $75,000, US and abroad
Trip Cancellation and Interruption Insurance, up to $10,000/traveler and $20,000/trip
Trip Delay Reimbursement, up to $500/traveler, delay over 6 hours

Does the fee earn out?

The printed statement credits ($2,190/yr) cover the $795 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.

Is this $795 fee worth it? See the break-even math →

Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.

Compared head-to-head

Don't want the fee any more?

Chase Sapphire Reserve can normally be product-changed to three lower-fee cards in the Chase Sapphire / Freedom family, though only one of them keeps Chase Ultimate Rewards instead of being closed — which keeps the account, its age and its credit line.

What does Chase Sapphire Reserve downgrade to? →

Comparing cards in the same currency? See the best cards that earn Chase Ultimate Rewards →