Chase Sapphire Reserve
$795 annual fee · $2,190/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| 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 |
| Rideshare at Lyft only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
See how it ranks: 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 2026-09-14.
Statement credits — $2,190/yr on paper · how we got this
| 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 · through 2026-12-31 |
| Sapphire Reserve dining credit | $300/year | twice a year |
| DoorDash monthly promos | $300/year | monthly · enrollment required · through 2027-12-31 |
| StubHub / viagogo credit | $300/year | twice a year · enrollment required · through 2027-12-31 |
| Lyft in-app credits | $120/year | monthly · through 2027-09-30 |
| Peloton membership credit | $120/year | monthly · enrollment required · through 2027-12-31 |
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? · how we got this
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.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 8x on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 8x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone who won't work the statement credits. The $795 fee is argued for by $2,190 of printed credits, spread across 8 separate credits, 3 of them monthly or quarterly — an unused month is gone, not banked, and 3 that must be enrolled in before they pay. Each one only pays if you were going to spend that way anyway; ignore them and the whole $795 has to come back through earn rates instead.
Compared head-to-head
- Chase Sapphire Reserve vs Sapphire Reserve for Business — which earns more?
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- Chase Sapphire Reserve vs Wyndham Rewards Earner Premier Card — which earns more?
- Chase Sapphire Reserve vs Wyndham Rewards Earner Plus Card — which earns more?
- Chase Sapphire Reserve vs Chase Sapphire Preferred — which earns more?
- Chase Sapphire Reserve vs Citi Strata Premier® Card — which earns more?
- Chase Sapphire Reserve vs Robinhood Platinum Card — which earns more?
- Capital One Venture X vs Chase Sapphire Reserve vs The Platinum Card from American Express — all three side by side
- Chase Sapphire Reserve vs Chase Sapphire Preferred vs Chase Freedom Unlimited — all three side by side
- Chase Sapphire Reserve vs The Platinum Card from American Express vs Citi Strata Elite℠ Card — all three side by side
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.
Comparing cards in the same currency? See the best cards that earn Chase Ultimate Rewards →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.chase.com · creditcards.chase.com · www.chase.com. Spot an error? Tell us.