Chase Sapphire Reserve
Chase's Top-Tier Travel Card
Annual Fee
$795
Earning Rate
3x dining • 1x everything • 4x flights and hotels direct • 8x Chase Travel
Welcome Bonus
125,000 points after $6,000 spend in 3 months
Card Material
Metal card with premium finish
Practical Recommendation
The Chase Sapphire Reserve is a high-fee, high-effort lifestyle card that only makes sense if your routine naturally hits several credits offered. At $795 per year, it requires real commitment to credit optimization—you need to use The Edit hotels, dine at Exclusive Tables restaurants, buy StubHub tickets, manage multiple monthly apps, and actually benefit from lounge access. The $300 travel credit is easy, but everything else demands specific behavior changes.
Day-to-day: Use it as your primary dining card for 3x points. Book travel directly with airlines/hotels for 4x, or through Chase Travel for 8x (though portal prices aren't always competitive). Activate all the app benefits in your benefits hub—Apple TV+, Apple Music, DashPass—then set calendar reminders for monthly credits like Lyft ($10), DoorDash ($25 split across three orders), and Peloton ($10). The key is building habits around Chase's ecosystem.
Caveats: This card demands lifestyle alignment with Chase's specific partners. The Edit hotels are expensive and limited; Exclusive Tables only exist in select cities; StubHub tickets carry markups; DoorDash credits require three separate orders monthly. If you don't naturally use these services, you're essentially paying $795 for lounge access and earning rates. Authorized users cost $195 each—expensive for families.
Best pairing: Use a Chase Freedom Unlimited for everything else at 1.5x points, keeping everything in the Ultimate Rewards ecosystem. This lets you pool points and maximize transfer partner value or Chase Travel redemptions. Consider adding a Chase Freedom Flex for rotating 5x categories if you want to maximize the Chase trifecta.
Credits
Practical Advice
This is what makes or breaks a card for you. If you can use these credits in your normal spend, the perks and protections are all bonus for you. We have a calculator at the bottom of this section to help you calculate that. Below we break down exactly what every credit is to show you if it's easy or if they're going to make you jump through 17 hoops to redeem it.
- $300 Annual Travel Credit – Automatically wipes out the first $300 you spend on anything that codes as travel (airfare, hotels, Uber, parking, tolls, etc.). Easy, automatic, and the one credit basically everyone gets full value from.
- $500 The Edit Hotel Credit – Starting January 1, 2026: No more biannual restrictions! Use up to $250 per prepaid booking (2-night minimum) at "The Edit" hotels through Chase Travel, totaling up to $500 annually. These are typically high-end properties, often more expensive than booking direct, and they only earn 3x instead of 10x. If you already stay at these kinds of hotels, it's great. If not, don't force it. - See The Edit overview
- $250 Hotel Credit (Chase Travel) – Starting January 1, 2026: New statement credit for prepaid hotel bookings (2-night minimum) through Chase Travel at select brands: IHG, Montage, Pendry, Omni, Virgin, Minor, and Pan Pacific. These bookings earn both Chase points and hotel loyalty points. Great if you already book through Chase Travel. - See Chase Travel
- $300 Dining Credit (Exclusive Tables) – Split into $150 Jan–Jun and $150 Jul–Dec. Only works at Chase's handpicked "Exclusive Tables" restaurants in select cities. If you already go to one on the list, it's easy money. If your city isn't covered, it's worth $0. - See restaurants
- $300 Live Events Credit (StubHub/viagogo) – Split into $150 Jan–Jun and $150 Jul–Dec. Works only when you buy tickets through StubHub or viagogo. Nice if you already use those platforms, but keep in mind ticket prices and fees are often higher than face value.
- Apple TV+ & Apple Music – Complimentary individual memberships (not statement credits). Worth about $250/year if you'd otherwise pay for them directly. If you're on an Apple One bundle or family plan, this is basically $0 value. Must activate in your benefits hub.
- DoorDash Monthly Credits – Up to $25/month through 12/31/27. It's actually 3 separate credits: $5 for a restaurant order + $10 for a non-restaurant order + another $10 for a second non-restaurant order. That means you need three separate transactions each month to unlock the full $25. Credits don't roll over and don't cover tips/fees.
- DashPass Membership – 12 months of free DashPass for you and authorized users. Waives delivery fees and lowers service fees on $12+ orders. DoorDash says that saves $4–$5 per order. Only useful if you already order often; no value if you don't.
- Lyft Credits – $10/month in ride credits through 9/30/27. Applies automatically when your Sapphire Reserve is set as your Lyft payment method. Use it or lose it each month.
- Peloton Membership Credit – Up to $10/month ($120/year) for Peloton All-Access or App memberships through 2027. Great if you already use Peloton; $0 if you don't.
- Global Entry / TSA PreCheck / NEXUS – Up to $120 credit every 4 years when you pay for the application fee with your card. You can even use it for someone else's application.
Click Here to Calculate Your Annual Fee
Credit
Include
Your Value
Practical Tip
You can edit the amounts in the number fields if you value a credit at less than the full value. For example, if you only use a $10/month Uber credit half the months, you might value it at $60 instead of $120.
Annual Travel Credit
| What It Is: | $300 automatic statement credit each account year on purchases that code as travel (airfare, hotels, car rentals, transit, tolls, parking, etc.) |
| How It Works: | The credit posts automatically after the charge posts to your account. You can use it across multiple purchases throughout the year |
| Gotchas: | None really—this is the easiest kind of credit. Just make sure the purchase codes as travel |
| Who Actually Benefits: | Anyone who travels at all, even occasionally. This is automatic and covers most travel expenses |
| Practical Value: | Easy, real $300 if you travel at all |
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The Edit Hotel Credit
| What It Is: | $500 total per year. Starting January 1, 2026: No more biannual restrictions! Use up to $250 per prepaid booking (2-night minimum) at The Edit hotels, totaling up to $500 annually |
| How It Works: | Book through Chase Travel and filter by "The Edit." The credit reduces the checkout price in-portal. You must stay at least 2 nights |
| Gotchas: | Only works at The Edit hotels (small, high-end curated list, often ~10–20 hotels per city). No public master list—must log into Chase Travel to see availability. Bookings don't earn points |
| Who Actually Benefits: | If you stay in high-end hotels frequently and don't mind the limited selection. If you look for value, don't count this credit |
| Practical Value: | Worth $500 if you're already staying at these hotels; otherwise probably $0 |
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Hotel Credit (Chase Travel)
| What It Is: | $250 statement credit for prepaid hotel bookings (2-night minimum) through Chase Travel at select brands: IHG, Montage, Pendry, Omni, Virgin, Minor, and Pan Pacific |
| How It Works: | Book through Chase Travel at participating hotel brands. The credit applies automatically as a statement credit after your stay. You must stay at least 2 nights |
| Gotchas: | Only works at specific hotel brands through Chase Travel. Must be prepaid and 2-night minimum. Portal prices may be higher than booking direct |
| Who Actually Benefits: | If you already book hotels through Chase Travel or stay at these specific brands, this is easy value. If you prefer booking direct or other brands, it's worthless |
| Practical Value: | Worth $250 if you already use Chase Travel for hotels; $0 if you don't |
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Dining Credit (Exclusive Tables)
| What It Is: | $300 total—$150 Jan–Jun + $150 Jul–Dec—when you book Sapphire Reserve Exclusive Tables via OpenTable |
| How It Works: | Book through OpenTable from the card's benefits hub, then pay with your Sapphire Reserve at the participating restaurant. The credit triggers automatically |
| Gotchas: | Only works at restaurants on Chase's list, which are in select cities. No list = no credit. You must book through OpenTable first |
| Who Actually Benefits: | If you already dine at one of these spots multiple times per year (or want to), this is easy money. If your city isn't covered, don't count on it |
| Practical Value: | Easy and automatic if you're local; useless if you're not |
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StubHub/Viagogo Credit
| What It Is: | $300 total—$150 Jan–Jun + $150 Jul–Dec—back on event tickets purchased through StubHub or viagogo |
| How It Works: | Just pay on StubHub or viagogo with your card and get credited back automatically |
| Gotchas: | Platform fees apply, inventory can be pricier than face value, and the credited portion won't earn points |
| Who Actually Benefits: | Only use it if you were buying event tickets anyway. Don't buy tickets just to use the credit |
| Practical Value: | Worth $300 if you're already buying event tickets; otherwise $0 |
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Peloton Membership Credit
| What It Is: | Up to $120/yr in credits (typically $10/mo) on eligible Peloton memberships when you pay with the card |
| How It Works: | Simply pay for your Peloton membership with the Sapphire Reserve and the credit applies automatically |
| Gotchas: | Only works on eligible Peloton memberships. Equipment purchases don't count for the monthly credit |
| Who Actually Benefits: | If you're already paying for a Peloton membership, this is easy money. If you don't use Peloton, it's worthless |
| Practical Value: | Easy $120 if you already pay for Peloton; $0 if you don't |
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Lyft Monthly Credits
| What It Is: | $10/month in in-app ride credit (use it or lose it) plus 5x points on rides |
| How It Works: | Add your card in Lyft and set it as the payment method. The credit applies automatically to rides, not tips/fees |
| Gotchas: | Expires monthly—don't take unnecessary rides just to burn it. Only applies to rides, not other Lyft services |
| Who Actually Benefits: | If you already use Lyft regularly, this is easy money. If you don't use ride-sharing, it's worthless |
| Practical Value: | Easy $120 if you already use Lyft; $0 if you don't |
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DashPass Membership
| What It Is: | You and any authorized users get complimentary DashPass for 12 months (activation required) |
| How It Works: | Activate in your benefits hub. DashPass waives delivery fees and reduces service fees on eligible $12+ orders from restaurants, grocery, convenience, and other stores |
| Gotchas: | Taxes/fees/tips still apply. Chase's wording is 1 year, not "free forever," so don't count on it beyond the stated term. Activation required |
| Who Actually Benefits: | If you currently pay for DashPass, you can value this around $120/year. If you don't use DoorDash, it's worthless |
| Practical Value: | Worth $120 if you already pay for DashPass; $0 if you don't use DoorDash |
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DoorDash Monthly Promos
| What It Is: | $25 per month split into three separate credits: $5 for one restaurant order + $10 for two non-restaurant orders (groceries/convenience) |
| How It Works: | To use the full $25, you must place three separate orders in the same month: one restaurant order (uses the $5) and two non-restaurant orders (each uses a $10). Credits auto-apply at checkout if eligible |
| Gotchas: | Credits don't stack on one order and don't roll over. They typically don't cover taxes/fees/tips. You must activate DashPass and pay with your Sapphire Reserve |
| Who Actually Benefits: | If you are already a frequent Door Dasher, this can be some value. If you don't already use DoorDash, value this at $0 |
| Practical Value: | Complicated, probably worth $0 unless you fit this niche |
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Apple TV+ & Apple Music
| What It Is: | Free individual memberships for both Apple TV+ and Apple Music (this isn't a statement credit) |
| How It Works: | You need to activate both in your Sapphire Reserve benefits hub. Works only for an individual Apple ID billed directly by Apple |
| Gotchas: | Not Apple One bundles or Family plans, and not carrier-billed or gift-card setups. If you're on Apple One or part of a family plan, this is effectively $0 value |
| Who Actually Benefits: | If you're wanting or already pay for Apple Music Individual or Apple TV Plus, this can be nice value. If you're on family plans, it's worthless |
| Practical Value: | Worth $250 if you pay for individual plans; $0 if you're on family plans |
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Global Entry / TSA PreCheck / NEXUS
| What It Is: | Statement credit up to $120 every 5 years when you pay an application fee with the card |
| How It Works: | Pay the application fee with your Sapphire Reserve and the credit posts after the charge. You can use it for any traveler you pay for |
| Gotchas: | Approval decisions are on the government, not Chase. Since this is $120 every 5 years, it's worth about $25 per year on average |
| Who Actually Benefits: | Anyone who wants to skip security lines (domestic or international). Great if you're due for renewal |
| Practical Value: | Great value at $120 if you want TSA PreCheck |
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Your Value:
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Annual Fee:
$795
Your Credits:
$0
YOUR Annual Fee:
$795
This is effectively what you are paying for this card. It is now up to you if the perks, protections, and earning rates are worth this fee to you over other cards.
Perks
- 3x on Dining + 4x on Flights & Hotels + 8x on Chase Travel + 1x on Everything – Earn 3x points on dining worldwide (including delivery and takeout), 4x points on flights and hotels when you book directly with the airline or hotel (not through Chase Travel), 8x points on all travel booked through Chase Travel, and 1x point on everything else. Note: Purchases reimbursed by travel credits don't earn points.
- Chase Sapphire Lounges – Chase's own lounges with better food/drinks than the average Priority Pass spot. Right now only in a few big airports (NYC, Boston, Hong Kong, etc.), so only valuable if you'll actually pass through one. 2 free guests included. - See locations
- Priority Pass Lounges – Comes with a Priority Pass Select membership. You and up to 2 guests can get in. Some lounges have real meals and open bars, others are just pretzels and soda. Worth checking your airports before you count it. - See lounge list
- Air Canada Maple Leaf Lounges – Access when you're flying Air Canada with a valid boarding pass. Nice if you fly them, useless otherwise. 2 guests free. - See lounges
- Hotel Status – Automatic IHG Platinum Elite through 2027. Can mean room upgrades, better rooms, and late checkout if you stay at IHG properties.
- Points Boost in Chase Travel – Certain flights and hotels show a "Points Boost" tag in the Chase portal, meaning your points can stretch further (up to 2x). Always check cash prices against portal prices first to make sure the boost is real.
- No Foreign Transaction Fees – Saves you ~3% on every purchase abroad. A must-have if you travel internationally even once a year.
- Reserve Travel Designers – A concierge-style trip planning service. Helpful if you like someone else booking things for you, but most people will skip it.
Protections
- Trip Cancellation/Interruption – Up to $10,000 per traveler ($20,000 per trip) if your trip gets canceled or cut short for covered reasons (illness, weather, etc.).
- Trip Delay Insurance – If your flight is delayed 6+ hours (or overnight), you're covered up to $500 per traveler for meals, hotels, and essentials. Keep receipts.
- Baggage Delay – If your bag is delayed 6+ hours, you can claim $100/day (up to 5 days) for essentials.
- Lost or Damaged Baggage – Covers up to $3,000 per traveler for bags that never make it back to you or arrive broken.
- Rental Car Insurance (Primary CDW) – Covers theft or damage up to $75,000 worldwide when you decline the rental agency's insurance and pay with your card.
- Emergency Evacuation & Medical – Coverage up to $100,000 for evacuation and up to $2,500 for emergency medical/dental ($50 deductible). A solid safety net if you get sick or injured abroad.
- Travel Accident Insurance – Coverage up to $1,000,000 for serious accidents while traveling.
- Roadside Assistance – Up to $50 per call, 4 times per year. Covers things like lockouts, battery jumps, or towing a short distance.
- Purchase Protection – Covers new purchases for theft or accidental damage, up to $10,000 per item for 120 days. Can save you from paying extra for protection plans on gadgets.
- Return Protection – If a store won't take your item back, Chase may cover up to $500 per item (with limits).
- Extended Warranty – Adds one extra year to a manufacturer's warranty (on eligible warranties of 3 years or less). Handy for electronics and appliances.
Chase Sapphire Lounges
A big perk of Chase (think Sapphire Reserve) is the Sapphire Lounges by The Club—great food, drinks, and calm work space. If one's at your home airport, it's a real upgrade. Crowds happen: most locations use a digital queue you join at the door and you'll get a text when it's your turn.
Guest Access
- Chase Sapphire Lounges by The Club – Access is via your Priority Pass Select (from Reserve). Cardholders and authorized users get in with a same-day departing boarding pass within 3 hours of departure. Up to 2 guests free; extra guests $27; children under 2 free. PHX often requires a free reservation in the Chase app (book 14 days to 24 hours before); you must include your guests in the booking.
- Priority Pass – Reserve includes Priority Pass Select. Up to 2 guests free per visit; additional guests typically $27 (or lounge-specific rate).
- Air Canada Maple Leaf Lounges/Cafés – When flying any Star Alliance carrier the same day, Reserve cardholders and authorized users may enter select Maple Leaf lounges and cafés with 1 complimentary guest; additional guests $59 (local currency equivalent).
Chase Sapphire Lounges (U.S.)
- Boston (BOS) — Terminal B, near gate B40. Post-security walk between B ↔ C ↔ E; Terminal A is separate and requires re-clearing security. — See lounge list
- New York–JFK (JFK) — Terminal 4, near gate A2 (co-located with Etihad Airways). No airside connection between terminals at JFK; use the AirTrain and re-clear security. — See lounge list
- New York–LaGuardia (LGA) — Terminal B, on the bridge before gates 40–59. LGA's terminals aren't airside-connected; shuttle or walk landside between terminals and re-screen. — See lounge list
- Philadelphia (PHL) — Terminal D/E Connector, Level 2, opposite the TSA exit between Vino Volo and Dunkin'. Terminals A–E are walkable airside; Terminal F connects via secure shuttle (F ↔ A-East at gate A1, and F ↔ C at gate C16). Shuttle runs 6:30 a.m.–10:30 p.m. and you don't re-clear security. — See lounge list
- Phoenix (PHX) — Terminal 4, near gate D11. All concourses (A–D) are connected airside within Terminal 4; Terminal 3 requires PHX Sky Train. — See lounge list
- San Diego (SAN) — Terminal 2, between gates 46–47. Terminal 1 and Terminal 2 are not connected airside (you'll re-clear security to switch). — See lounge list