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Is the Sapphire Reserve worth keeping when the fee hits?
Welcome offer — 125,000 points after $6,000 spend in 3 months (offer rotates frequently) Inferred by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Recently changed — 2 updates. See below ↓
Worth knowing
Our assessment from this card's own published terms — vendor-neutral, never an issuer's wording. How we judge value.
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs excellent credit (740+) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 8× | Chase Travel (flights, hotels, rentals) — Booked through Chase Travel portal Verified by source |
|---|---|
| 4× | Flights booked direct Verified by source |
| 4× | Hotels booked direct Verified by source |
| 3× | Dining worldwide — Includes eligible delivery Verified by source |
| 1× | Everything else Verified by source |
Chase Ultimate Rewards points transfer to these loyalty programs. All transfer 1:1, except World of Hyatt is 4:3 on Sapphire Preferred & Ink Business Preferred (see recent changes). Inferred by source
| Airlines (11) | |
|---|---|
| Hotels (3) |
Recent transfer changes
| Annual travel credit | $300/yr · annual Verified by sourceWhat is Annual travel credit?On this card: Auto-applied to most travel purchases Verified by source |
|---|---|
| The Edit hotel credit | $500/yr · semiannual Verified by sourceWhat is The Edit hotel credit?The Edit is the issuer's collection of hand-picked hotels, booked through its own travel site. Stays there usually carry extra on-property perks. On this card: Two up-to-$250 credits; prepaid 2+ night stays via The Edit Verified by source |
| Sapphire Exclusive Tables dining | $300/yr · semiannual Verified by sourceenrollWhat is Sapphire Exclusive Tables dining?A dining benefit tied to a specific reservation platform, so it applies at participating restaurants rather than at restaurants generally. On this card: $150 Jan–Jun + $150 Jul–Dec; OpenTable program restaurants Verified by source |
| Select hotel chains via Chase Travel | $250/yr · annual · ends 2026-12-31 Verified by sourceenrollWhat is Select hotel chains via Chase Travel?On this card: One-time, 2026 only; select hotel chains booked through Chase Travel Verified by source |
| StubHub / viagogo | $300/yr · semiannual Verified by sourceenrollWhat is StubHub / viagogo?StubHub and viagogo are resale marketplaces for concert, theatre and sports tickets. On this card: $150 Jan–Jun + $150 Jul–Dec Verified by source |
| DoorDash promo credits | $300/yr · monthly Verified by sourceenrollWhat is DoorDash promo credits?DoorDash is a food-delivery service; the credit applies to orders placed through it. On this card: $25/mo (one $5 restaurant + two $10 non-restaurant); requires active DashPass Verified by source |
| Lyft | $120/yr · monthly · ends 2027-09-30 Verified by sourceenrollWhat is Lyft?On this card: Up to $10/month Verified by source |
| Apple TV+ / Apple Music | $288/yr · annual · ends 2027-06-22 Verified by sourceenrollWhat is Apple TV+ / Apple Music?Apple TV+ is Apple's streaming service and Apple Music is its music-streaming service. On this card: Complimentary subscriptions Verified by source |
| Peloton membership | $120/yr · annual Verified by sourceenrollWhat is Peloton membership?Peloton's connected-fitness membership, which streams its cycling, running and strength classes. |
| Global Entry / TSA PreCheck / NEXUS | $120/yr · one-time Verified by sourceWhat is Global Entry / TSA PreCheck / NEXUS?Global Entry speeds up US customs and immigration when you arrive from abroad, and includes TSA PreCheck. TSA PreCheck alone is the expedited domestic security lane. This reimburses the government application fee, which you only pay every few years. On this card: Up to $120 every 4 years Verified by source |
| Southwest Airlines credit | $500/yr · annual · at $75,000 spend Verified by sourceenrollWhat is Southwest Airlines credit?On this card: Unlocks at $75k annual spend; via Chase Travel Verified by source |
| The Shops at Chase credit | $250/yr · annual · at $75,000 spend Verified by sourceenrollWhat is The Shops at Chase credit?A curated online shopping storefront run by the issuer, stocking a rotating set of brands. On this card: Unlocks at $75k annual spend Verified by source |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
Heads up: Priority Pass isn't automatic — the card makes you eligible, but you must enroll and activate your Priority Pass membership through your card's benefits portal first. Without that step you won't get in, even with the card.
| Sapphire | 3 lounges· Up to 2 complimentary guestsVerified by source
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|---|---|
| Priority Passenroll PP | 336 lounges· 2 guests; restaurants removed July 2024 (lounges only)Inferred by source
|
| Air Canada | Select Air Canada Maple Leaf Lounges & Air Canada Cafés (US/Canada/Europe) when flying any Star Alliance carrier; some lounges excluded · 1 complimentary guest; additional guests 59 USD/CAD/GBP/EUR each Verified by sourceWe don't track individual locations for this network yet. |
|---|
| The Edit (Luxury Hotel & Resort Collection) | $100 property credit, daily breakfast for 2, room upgrade if available Verified by source |
|---|---|
| IHG One Rewards Platinum Elite | Complimentary through Dec 31, 2027 (activation required) Verified by source |
| World of Hyatt Explorist | Unlocked at $75k annual spend Verified by source |
| IHG One Rewards Diamond Elite | Unlocked at $75k annual spend Verified by source |
| Rental car CDW | Up to $75,000 (primary) Verified by source |
|---|---|
| Trip cancellation | Up to $10,000/person, $20,000/trip Verified by source |
| Trip delay | Up to $500/traveler Verified by source |
| Baggage | Baggage delay $100/day up to 5 days; lost luggage $3,000/traveler Verified by source |
| Emergency evacuation & transportation | Up to $100,000 Inferred by source |
| Roadside assistance | $50/incident, up to 4x/year (US & Canada) Inferred by source |
| Travel accident | Up to $1,000,000 accidental death and dismemberment while traveling Verified by source |
| Purchase protection | Up to $10,000/item against damage or theft for 120 days from purchase (90 days for NY residents) Verified by source |
| Extended warranty | Extends manufacturer's US warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total from purchase date); up to $10,000/item, $50,000 max per account Verified by source |
| Return protection | Up to $500/item within 90 days of purchase if store won't accept return; $1,000 max per 12-month period Verified by source |
Using Sapphire Reserve at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
The $5 monthly DoorDash restaurant credit becomes a $15 monthly credit usable on any DoorDash order, including grocery and retail. The two $10 monthly non-restaurant promos and the complimentary DashPass membership are unchanged, taking the monthly DoorDash package from $25 to $35 ($300 to $420 a year). Reported to apply to Sapphire Reserve for Business as well, though Chase has not confirmed how it works for employee cards.
Chase Sapphire Lounges left the Priority Pass and LoungeKey networks. Non-Chase Priority Pass and LoungeKey members lost all access, the annual free visit and the $75 entry rate; Chase cardholders keep unlimited access via their Chase-issued Priority Pass Select membership. A 5-hour connecting-flight entry window was widely reported but does not appear on Chase’s lounge page as of Aug 22, 2026, which still states three hours before departure.
Live figures above reflect what's true today; announced changes are flagged, not pre-applied. See all recent changes
*Realized/net assume full use of non-spend-gated credits — an upper bound. †First-year net adds the one-time sign-up bonus (counts once, not recurring). Personalize it
The Chase Sapphire Reserve has a $795 annual fee.
Using its non-spend-gated credits fully, the Chase Sapphire Reserve returns about $2,598 in value against its $795 annual fee — a net of +$1,803 per year. It can pay for itself if you actually use the credits.
The Chase Sapphire Reserve earns 8x on chase travel (flights, hotels, rentals), 4x on flights booked direct, 4x on hotels booked direct.
Yes. The Chase Sapphire Reserve grants access to Sapphire, Priority Pass, Air Canada.
No — the Chase Sapphire Reserve has no foreign transaction fee, so it's a good card to use abroad.
125,000 points after $6,000 spend in 3 months (offer rotates frequently). Welcome offers change frequently — confirm the current one on the issuer's page before applying.
The Chase Sapphire Reserve has a purchase APR of 19.49%–27.99% variable.
Yes. Most recent change (announced 2026-09-01): The $5 monthly DoorDash restaurant credit becomes a $15 monthly credit usable on any DoorDash order, including grocery and retail. The two $10 monthly non-restaurant promos and the complimentary DashPass membership are unchanged, taking the monthly DoorDash package from $25 to $35 ($300 to $420 a year). Reported to apply to Sapphire Reserve for Business as well, though Chase has not confirmed how it works for employee cards.