Chase · Visa
Chase Sapphire Reserve
Travelers who'll actually use $1,500+ in annual travel & lifestyle credits
$795 annual fee up to $2334/yr in credits if you use them up to $300/yr applied automatically to travel purchases
Why people consider it
- 4x on Travel.
- 3x on Dining.
- Points transfer to 9 airline and hotel partners.
Current welcome offer
Current: 100,000 points
Recent typical offer: 150,000 points
Current offer is 33% lower than recent typical offers.
Welcome offer: 100,000 points≈ $1,500 at our typical valuation
Requirement: Spend $6,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: 100,000 bonus points after $6,000 spend in 3 months (the 150k limited-time offer expired 2026-06-15; ~$2,000 toward select Chase Travel)
Recommended credit score: 720+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$682/year
for the sample household ($4,800/month) · points at typical value
First-year value
$2,182 first year
Includes: +$1,500 welcome offer (100,000 points at our typical value)
$1,500 is one-time. $682/year is ongoing.
To earn the bonus: spend $6,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $795, charged in full — credits count only if you use them
- Major trade-offs:
- $795 annual fee (+$195 per authorized user) Many credits are use-it-or-lose-it and require activation at specific merchants
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as Chase Sapphire Reserve on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
Travel booked via Chase Travel
Flights & hotels booked direct
Dining worldwide
Point value: ~1.5¢ each
Optional benefits and credits
Arrives automatically
Posts automatically against the first $300 of travel purchases each year — any airline, hotel, or rental counts
Credits — if you use them
Statement credit on prepaid hotel bookings through Chase Travel, through 12/31/2026 — expires soon
Two up-to-$250 statement credits on prepaid 2+ night stays booked via The Edit by Chase Travel
Up to $150 twice a year at Sapphire Reserve Exclusive Tables restaurants
Up to $150 twice a year on concert & event tickets; activation required
Complimentary Apple TV and Apple Music for at least one year when activated by June 22, 2027 (Chase values it at $324/yr); optional $15/month Apple One credit instead
Up to $35/month in DoorDash promos ($15 on any order plus two $10 grocery/retail promos) through 12/31/2029, plus complimentary DashPass; activation required
$10/month in-app Lyft credit (also earns 5x points)
Up to $120/year in statement credits on Peloton membership
Perks (not counted in our math)
Unlimited Priority Pass + Chase Sapphire Lounge by The Club; register with card
Statement credit every 4 years — pay the application fee with your card; shown at its ~$30/yr annualized value
Complimentary IHG Platinum Elite status through 12/31/2027; enroll via Chase benefits (Hyatt Explorist only after $75,000 calendar-year spend)
Decline the rental counter coverage — your card covers it
Redemption and transfer information
Points transfer to 9 airline and hotel partners — often where the highest redemption values live.
Approval and bonus eligibility caveats
Recommended credit score: 720+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + 8x on Chase Travel; 4x on flights & hotels booked direct
- + Priority Pass + Chase Sapphire Lounge access
- + $300 travel credit auto-applies; $1,500+ more in credits if you use them
- + Points Boost + transfer partners keep Chase points among the most valuable
Cons
- - $795 annual fee (+$195 per authorized user)
- - Many credits are use-it-or-lose-it and require activation at specific merchants
- - 5/24 rule applies
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.