Is the Chase Sapphire Reserve Worth It? Benefits, Credits & Annual Fee

• Annual Travel Credit$300 / yrTrackable

  Get up to $300 back each account anniversary year as automatic statement credits on travel purchases - including flights, hotels, and rideshares. No activation needed; credits apply as you spend. Note that purchases reimbursed by this credit do not earn points.

  Resets: Card anniversaryChecked Sep 26, 2026
• The Edit by Chase Travel Credit (1 of 2)$250 / yrTrackable

  The first of two distinct annual The Edit credits. Receive up to $250 back on one qualifying prepaid Pay Now booking of at least two nights through The Edit by Chase Travel. This credit and the separate second $250 credit may both be used in the same month; neither is gated to a half-year window. Qualifying purchases do not earn points.

  Resets: Calendar yearChecked Sep 15, 2026
• Select Chase Travel Hotels Credit$250 / yrTrackable

  Get up to $250 back as statement credits through 12/31/2026 on prepaid Chase Travel hotel bookings with IHG Hotels & Resorts, Montage Hotels & Resorts, Pendry Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Minor Hotels, and Pan Pacific Hotels and Resorts. Stays must be prepaid ("Pay Now") and two nights or more, and qualifying purchases do not earn points.

  Resets: Calendar yearChecked Sep 30, 2026
• The Edit by Chase Travel Credit (2 of 2)$250 / yrTrackable

  The second of two distinct annual The Edit credits. Receive up to $250 back on one qualifying prepaid Pay Now booking of at least two nights through The Edit by Chase Travel. This credit and the separate first $250 credit may both be used in the same month; neither is gated to a half-year window. Qualifying purchases do not earn points.

  Resets: Calendar yearChecked Sep 15, 2026
• Apple TV+ and Apple Music Subscription$324 / yrTrackableEnrollment required

  Get complimentary Apple TV and Apple Music subscriptions through 6/22/2027, a value of $324 annually. Activation required.

  Resets: Calendar yearChecked Oct 9, 2026
• Monthly Lyft Credit$10 / moTrackable

  Get a $10 Lyft credit each calendar month for qualifying Lyft purchases, up to $120 over 12 months. Add your card to the Lyft app to use it. The credit goes to the first qualifying card added from your account and runs through September 30, 2027.

  Resets: MonthlyChecked Sep 26, 2026
• Sapphire Reserve Exclusive Tables Dining Credit$150 / 6moTrackable

  Earn up to $300 per year in statement credits for dining at participating Sapphire Reserve Exclusive Tables restaurants on OpenTable. Credits are issued as two separate $150 amounts - one for January through June and one for July through December.

  Resets: Twice a yearChecked May 20, 2026
• Monthly DoorDash Non-Restaurant Promo Credits$20 / moTrackableEnrollment required

  Once you have activated your Chase Sapphire Reserve DashPass membership, receive two $10 off discounts each calendar month at checkout on qualifying non-restaurant DoorDash orders while enrolled in DashPass (not one $20 order). Unused value does not roll over.

  Resets: MonthlyChecked Sep 14, 2026
• Big Spend Southwest Airlines Chase Travel Credit$500 / yrTrackableMin spend $75,000

  After spending $75,000 on purchases in a calendar year, unlock a $500 credit toward Southwest Airlines flights booked through Chase Travel. Part of the CSR $75,000 multi-payout package. Benefits remain available for the remainder of the calendar year in which earned and through the following calendar year.

  Resets: Calendar yearChecked Sep 15, 2026
• Big Spend Credit for The Shops at Chase$250 / yrTrackableMin spend $75,000

  After spending $75,000 on purchases in a calendar year, unlock a $250 statement credit for The Shops at Chase. Part of the CSR $75,000 multi-payout package (same threshold as Hyatt Explorist, IHG Diamond, Southwest $500 Chase Travel credit, and Southwest A-List). Benefits remain available for the remainder of the calendar year in which earned and through the following calendar year.

  Resets: Calendar yearChecked Sep 14, 2026
• Monthly DoorDash Restaurant Promo Credit$15 / moTrackableEnrollment required

  Once you have activated your Chase Sapphire Reserve DashPass membership, receive a $15 off discount each calendar month at checkout on one qualifying restaurant DoorDash order while enrolled in DashPass. Unused value does not roll over.

  Resets: MonthlyChecked Oct 9, 2026
• Peloton Membership Credit$10 / moTrackableEnrollment required

  Get $10 in statement credits per month on eligible Peloton memberships through 12/31/2027 (up to $120 per calendar year). Activation required. Qualifying memberships include Peloton All-Access, Rental, App+, Guide, App One, or Strength+.

  Resets: MonthlyChecked Sep 27, 2026
• StubHub / viagogo Ticket Credit$150 / 6moTrackableEnrollment required

  Get up to $150 back in statement credits on StubHub and viagogo purchases from January-June, and another $150 from July-December, for up to $300 per year. Activation is required. Available through 12/31/2027.

  Resets: Twice a yearChecked Sep 26, 2026
• Global Entry / TSA PreCheck / NEXUS Application Fee Credit$120 / 4yrTrackable

  Get up to $120 back as a statement credit to cover the application fee for Global Entry, TSA PreCheck, or NEXUS. Charge the fee to your card and the credit is applied automatically. Available once every four years.

  Resets: Every 4 yearsChecked May 20, 2026
• DoorDash DashPass Complimentary Membership$120 / yrEnrollment required

  Get a complimentary 12-month DashPass membership (a $120 value) with $0 delivery fees and reduced service fees on eligible DoorDash orders. Activate your membership by 12/31/2027 to claim this benefit.

  Checked Sep 26, 2026

Travel Benefits

• Points Boost

  Get up to twice the usual value from your points on select Chase Travel bookings. Look for Points Boost when redeeming points for top booked hotels, including The Edit, or flights with select airlines. Not every hotel or flight qualifies.

  Checked Sep 27, 2026
• The Edit by Chase Travel Luxury Hotel Benefits$100 / yr

  Book through The Edit by Chase Travel to receive daily breakfast for two, a $100 on-property credit, a room upgrade at check-in (subject to availability), early check-in, late check-out, and complimentary Wi-Fi. Most stays also count toward your loyalty status and points with the hotel's own program.

  Checked Oct 9, 2026

Lounge Access

• Air Canada Maple Leaf Lounge and Air Canada Café Access

  Get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe. Present an eligible boarding pass at the lounge entrance to gain entry.

  Checked Oct 5, 2026
• Priority Pass Select MembershipEnrollment required

  Get a complimentary Priority Pass Select membership granting access to over 1,300 airport lounges worldwide. Enroll through Chase, then use your Priority Pass card or app at participating lounges when you travel.

  Checked Oct 7, 2026
• Chase Sapphire Lounge by The Club Access

  Get complimentary access to Chase Sapphire Lounges by The Club for yourself plus up to two guests. Lounges are located at select airports and offer food, drinks, and a quieter space to relax before your flight.

  Checked Oct 7, 2026

Hotel Status

• World of Hyatt Explorist Status (Big Spend Bonus)TrackableEnrollment requiredMin spend $75,000

  Spend $75,000 on your card in a calendar year to earn complimentary World of Hyatt Explorist status. After qualifying, you must activate this benefit by linking your World of Hyatt account on the Chase mobile app. If you do not have an account, enroll at hyatt.com then return to Chase to link.

  Resets: Calendar yearChecked Sep 14, 2026
• IHG One Rewards Diamond Elite Status (Big Spend Bonus)TrackableEnrollment requiredMin spend $75,000

  Spend $75,000 on your card in a calendar year to earn complimentary IHG One Rewards Diamond Elite status. Activate by linking your IHG One Rewards account on Chase.com or the Chase Mobile app. If you already activated Platinum Elite, Diamond auto-activates once you qualify.

  Resets: Calendar yearChecked Sep 14, 2026
• IHG One Rewards Platinum Elite StatusEnrollment required

  Complimentary IHG One Rewards Platinum Elite Status through 12/31/2027. You must activate this benefit by linking your IHG One Rewards account on Chase.com or the Chase Mobile app. If you do not have an account, enroll at ihg.com then return to Chase to link.

  Checked Sep 14, 2026

Airline Status

• Southwest Airlines A-List Status (Big Spend Bonus)TrackableEnrollment requiredMin spend $75,000

  Spend $75,000 on your card in a calendar year to unlock complimentary Southwest Airlines A-List status. After qualifying, you must activate by linking your Southwest Rapid Rewards membership on Chase.com or the Chase mobile app. If you do not have a membership, enroll at southwest.com/enroll/ then return to Chase to link.

  Resets: Calendar yearChecked Sep 14, 2026

Rental Car

• Primary Rental Car Insurance

  When you pay for a rental car with your card and decline the agency's collision coverage, you get primary protection against theft and collision damage. Primary means you file with this benefit first - before your personal auto insurance. Coverage applies in the U.S. and abroad.

  Checked May 20, 2026
• Auto Rental Collision Damage Waiver

  Get primary collision damage waiver coverage on rental cars up to $75,000 for theft and collision damage worldwide. Decline the rental agency's own collision coverage and pay the full rental cost with your card to activate it. Primary coverage means you don't need to involve your personal auto insurer first.

  Checked Oct 7, 2026

Travel Insurance

• Emergency Evacuation & Transportation

  If you or an immediate family member are injured or fall ill during a trip, emergency evacuation and transportation costs are covered up to $100,000. Pay for your travel with your card to be eligible for this coverage.

  Checked Oct 7, 2026
• Emergency Medical and Dental Benefit

  If you or an immediate family member get sick or injured while traveling 100 or more miles from home, you can be reimbursed up to $2,500 in medical or dental expenses. Pay for your trip with your card to activate this benefit.

  Checked Oct 7, 2026
• Emergency Medical Evacuation Coverage

  Covers emergency medical services and evacuation transportation up to $100,000 when you or an immediate family member are injured or ill while traveling 100 or more miles from home. Your trip must be paid for with your card to qualify.

  Checked May 20, 2026
• Lost and Delayed Luggage Reimbursement

  If a common carrier loses or damages your checked or carry-on bags, you may be reimbursed up to $3,000 per passenger. Coverage applies to you and immediate family members on the same trip. Pay for the trip with your card and file a claim with documentation from the carrier.

  Checked Oct 9, 2026
• Roadside Assistance

  Get up to $50 per incident for roadside emergencies including towing, jumpstarts, flat tire changes, locksmith services, and fuel delivery. This benefit covers up to 4 incidents per year - call the roadside assistance line when you need help.

  Checked Oct 7, 2026
• Travel Accident Insurance

  When you pay for air, bus, train, or cruise travel with your card, you're automatically covered for up to $1,000,000 in accidental death or dismemberment insurance for the duration of that trip.

  Checked Oct 7, 2026
• Travel and Emergency Assistance

  Get help finding legal and medical referrals and other emergency assistance while traveling. Contact the travel and emergency assistance service if a problem comes up away from home. The benefit provides access to assistance services, rather than a stated reimbursement amount.

  Checked Oct 7, 2026
• Trip Cancellation or Interruption Insurance

  If you need to cancel or cut short a trip due to a covered reason such as illness or severe weather, you can be reimbursed up to $10,000 per person and $20,000 per trip for non-refundable, prepaid travel costs. Charge your travel to your card to activate this coverage.

  Checked Oct 7, 2026
• Trip Delay Reimbursement

  If your flight or other ticketed travel is delayed more than 6 hours or requires an overnight stay, you can be reimbursed up to $500 per ticket for out-of-pocket costs like meals and lodging. Pay for your travel with your card to be eligible. Coverage extends to family members on the same itinerary.

  Checked Oct 7, 2026
• Baggage Delay Insurance

  When a passenger carrier delays your checked bags by more than 6 hours, you can be reimbursed up to $100 per day for up to 5 days for essential purchases like toiletries and clothing. Pay for your travel with your card and file a claim within the required timeframe.

  Checked Oct 7, 2026

Bonus Earnings

• Earn 8x Points on Chase Travel Purchases8x points

  Earn 8 Ultimate Rewards points per dollar on all purchases made through Chase Travel, including stays booked at The Edit hotel collection. This is the card's highest earning rate and applies to flights, hotels, car rentals, and experiences booked via the Chase Travel portal.

  Checked Sep 30, 2026
• Earn 3x Points on Dining Worldwide3x points

  Earn 3 Ultimate Rewards points per dollar at restaurants, cafes, bars, and eligible food delivery services anywhere in the world. The rate applies automatically when you pay at a dining merchant - no registration needed.

  Checked Sep 30, 2026
• Earn 4x Points on Flights and Hotels Booked Direct4x points

  Earn 4 Ultimate Rewards points per dollar on flights and hotel stays booked directly with airlines or hotels. This elevated rate applies when you book straight through an airline or hotel - not through third-party booking sites or the Chase Travel portal.

  Checked Oct 1, 2026
• Earn 1x Points on All Other Purchases1x points

  Every purchase that doesn't fall into a bonus category earns 1 Ultimate Rewards point per dollar. Points can be redeemed for travel, cash back, or transferred to airline and hotel loyalty programs.

  Checked Sep 30, 2026
• Earn 5x Points on Lyft Rides5x points

  Earn 5 Ultimate Rewards points per dollar on Lyft rides when your Sapphire Reserve is linked to your Lyft account. This elevated rate is available through September 30, 2027.

  Checked Sep 30, 2026
• 10x Points on Peloton Equipment and Accessories10x pointsMin charge $150

  Earn 10x total Ultimate Rewards points on eligible Peloton equipment and accessory purchases. The purchase must be over $150 to qualify. Available through 12/31/2027.

  Checked Sep 30, 2026
• Point Transfers to Airline and Hotel Partners

  Transfer your Ultimate Rewards points to roughly a dozen airline and hotel loyalty programs - including United, Hyatt, and British Airways - at a 1:1 ratio. Depending on how you use the transferred points, you may get more value than redeeming them directly through Chase Travel.

  Checked May 20, 2026

Dining Benefits

• Sapphire Reserve Exclusive Tables (OpenTable)

  Get access to primetime reservations and special events at participating restaurants through OpenTable. The program is available in select cities. Dining at these restaurants also qualifies for the Dining Credit.

  Checked Oct 9, 2026

Purchase Protection

• Extended Warranty

  Manufacturers' warranties of 3 years or less are extended by one additional year on eligible purchases made with your card. To file a claim, you'll need your original receipt and warranty documentation.

  Checked Sep 27, 2026
• Purchase Protection

  New purchases made with your card are covered against theft or damage for up to 120 days from the purchase date. Coverage is up to $10,000 per item and $50,000 per year. File a claim with Chase's benefits administrator if something is stolen or damaged.

  Checked Oct 9, 2026
• Return Protection

  Get reimbursed for an eligible item when a store will not accept its return. Submit a claim within 90 days of purchase. Reimbursement is limited to $500 per item and $1,000 per 12-month period.

  Checked Oct 7, 2026
• Damage and Theft Protection

  New purchases made with your card are protected against damage or theft for 120 days from the date of purchase. Coverage is up to $10,000 per claim and $50,000 per year.

  Checked May 20, 2026

Concierge & Membership

• Dedicated Cardholder Hotline

  Access a dedicated Chase Sapphire Reserve support line 24 hours a day, 7 days a week. Use it for account questions, travel emergencies, or benefit inquiries - no navigating a general phone tree. The number is printed on the back of your card.

  Checked May 20, 2026
• Reserve Travel Designers Customized Itinerary Service$300 / yr

  Work one-on-one with a Reserve Travel Designer to plan and book a fully custom trip itinerary. The service covers personalized recommendations and bookings, valued at up to $300 per trip.

  Checked May 20, 2026

Entertainment

• Special Ticket Packages and Private Experiences

  Get access to special ticket packages and private experiences with artists and other talent. Browse available cardmember offers and book an experience that interests you. Specific packages and experiences depend on what is available.

  Checked Sep 27, 2026

Fees & Miscellaneous

• Annual Fee$795 / yr

  The card has an annual fee of $795. Each authorized user you add costs $195 per year.

  Checked Oct 7, 2026
• No Foreign Transaction Fees

  Use your card anywhere in the world without paying extra. No foreign transaction fees are added to purchases made outside the U.S. or in a foreign currency - you're charged only the standard exchange rate.

  Checked May 20, 2026
• Authorized User Fee$195 / yr

  Add authorized users to your account for $195 per year each. This is on top of the $795 annual fee for the primary card. Each authorized user gets their own card.

  Checked Oct 7, 2026