Points · Visa · $795 annual fee
Last verified 2026-10-26. Review issuer source
At $795 the Reserve only pays off if you actually spend the credits, and most of them are narrow. The $300 travel credit is the easy one. The $300 dining credit needs restaurants in the Exclusive Tables program, the $500 hotel credit needs prepaid stays through The Edit, and the $300 in DoorDash promos arrive $25 a month. Count only the ones you would have spent anyway before you subtract the fee.
What you get for the money is real if you fly often: 4x on flights and hotels booked direct, 3x on dining, Sapphire Lounges plus Priority Pass, and a Global Entry credit. Outside travel and dining it earns 1x, so on everyday spending the rewards alone do not come close to the fee. That is normal for a premium card and is why the credits matter.
The 100,000-point bonus after $6,000 in three months is the biggest single reason to open it in a given year. If the credits and the bonus both line up for you, it is the strongest travel card Chase makes. If only one does, the Preferred keeps most of the earning for $95.
4x points on flights purchased direct
8x points on Chase Travel
3x points on dining worldwide
4x points on hotels purchased direct
5x total points on all eligible Lyft purchases
Cap: $5,000 per annual
10x points on eligible Peloton hardware and accessory purchases
Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
From ordering your favorite takeout to restocking your groceries, your complimentary DashPass membership, worth $120 annually, includes $0 delivery fees and reduced service fees on eligible DoorDash orders for a minimum of one year. Activate by December 31, 2029.
Get up to $10 in monthly in-app credits to use on rides through 9/30/2027. Plus, earn 5x total points on Lyft rides through 9/30/2027.
Get $10 in statement credits per month on eligible Peloton memberships through 12/31/2027, for a maximum of $120 annually. Activation required. Plus, earn 10x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/2027.
Get up to $250 in statement credits through 12/31/26 on prepaid Chase Travel hotel bookings for stays with IHG Hotels & Resorts, Montage Hotels & Resorts, Pendry Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Minor Hotels, and Pan Pacific Hotels and Resorts.
Get up to $250 in statement credits on purchases through The Shops at Chase after you spend $75,000 on your Sapphire Reserve card each calendar year.
Get complimentary Apple TV, the exclusive streaming home of Apple Originals. Plus Apple Music – all the music you love, across all your devices. Subscriptions run through 6/22/2027 - a value of $288 annually.
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of the Sapphire Exclusive Tables program on OpenTable.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits for travel purchases each account anniversary year. Purchases that qualify will not earn points.
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for StubHub and viagogo purchases through 12/31/2027.
Receive a statement credit of up to $250 for each prepaid booking with The Edit, up to $500 annually. Two-night minimum.
Get a $500 Southwest Airlines Credit through Chase Travel after you spend $75,000 on your Sapphire Reserve card each calendar year.
Book your stay through The Edit by Chase Travel and receive complimentary benefits such as a property credit, daily breakfast for two, a room upgrade (if available) and more - an average total value of over $550 per stay.
Enjoy complimentary access to Chase Sapphire Lounges by The Club and 1,300+ Priority Pass airport lounges worldwide with up to two guests - valued at over $850 when you and your guests visit multiple times each year.
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad.
Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
If you or a covered traveler are injured or become sick during a trip 100 miles or more from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
Get IHG One Rewards Diamond Elite status after you spend $75,000 on your Sapphire Reserve card each calendar year.
Get complimentary IHG One Rewards Platinum Elite Status with your Sapphire Reserve card through December 31, 2027.
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Build and book a custom itinerary that unlocks hidden gems and new experiences around the world with a Reserve Travel Designer. This personalized service is valued at up to $300 per trip.
You can be reimbursed for eligible items that the store won’t accept within 90 days of purchase, up to $500 per item and up to $1,000 total per 12-month period.
If you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Access the most coveted dining experiences. Sapphire Reserve Exclusive Tables secures reservations for cardmembers at some of the most sought-after and hardest-to-book restaurants in major cities. This includes held tables at select restaurants through the Visa Dining Collection on OpenTable—a list of over 275 top dining spots across the U.S. curated by The Infatuation.
From world-class dining to once-in-a-lifetime events, Sapphire Reserve gives you access to the most sought-after destinations and gatherings—designed exclusively for Sapphire Reserve cardmembers.
Get Southwest A-List status after you spend $75,000 on your Sapphire Reserve card each year.
If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
Get up to $35 each month to spend on DoorDash, which includes a $15 monthly promo to spend on any qualifying DoorDash order and two $10 promos each month to save on groceries, daily essentials and more.
Get World of Hyatt Explorist status after you spend $75,000 on your Chase Sapphire Reserve card each calendar year.
These come from Visa, not from Chase. Every card on the Visa Infinite tier carries them, so they should not decide between two cards.
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more. Sign up for a free Booking.com account to get started.
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
When you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Visa Infinite cardholders receive special privileges from Relais & Châteaux, a highly prestigious association of approximately 500 luxury properties worldwide.
This is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center, 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
The Visa Luxury Hotel Collection offers an unparalleled experience with an extraordinary collection of benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
Book with your Visa Infinite card and get VIP amenities and discounts with Avis, Hertz, and National®.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
Enjoy complimentary access to every Chase Sapphire Lounge by The Club with up to two guests, plus access to 1,300+ Priority Pass airport lounges worldwide. Also get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Chase Sapphire Reserve® Credit CardThis card · 4x on airfare | $795 | $528 | −$267 | 1267th of 1,284 |
| Chase Sapphire Preferred® Credit CardMost of the same earning at $95, without lounges · 3x on dining | $95 | $510 | +$415 | 452nd of 1,284 |
| Venture X RewardsLounges and a $300 travel credit for $395, with 2x on everything · 2x on everything | $395 | $732 | +$337 | 522nd of 1,284 |
| The Platinum Card®The other premium bundle, heavier on airline and hotel credits, at $895 · 5x on airfare | $895 | $366 | −$529 | 1280th of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
