Chase Sapphire Reserve
A Chase Visa card with a $795 annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, points valued for travel. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $1,493 | −$7 | $1,464 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $2,076 | $576 | $4,380 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $2,949 | $1,449 | $8,745 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Sapphire Reserve ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Sapphire Reserve |
|---|---|
| Issuer and network | Chase, Visa |
| Annual fee | $795 |
| Requires | Nothing extra |
| Welcome offer | 100,000 points after $6,000 in 3 months |
| Earning | 8x on all purchases through Chase Travel (including The Edit) · 4x on flights booked direct with airlines · 4x on hotels booked direct · 3x on dining worldwide (incl. takeout and eligible delivery) · 5x total on Lyft rides/products in the Lyft app through 9/30/2027 · 10x total on Peloton equipment/accessory purchases over $150, on up to $5,000 in total purchases (promo 4/1/2025-12/31/2027) · 1x on everything else |
| Rewards currency | Chase Ultimate Rewards points |
| Statement credits | $300 annual travel credit · $500 credit for stays with The Edit (up to $250 per booking) · $250 credit for select Chase Travel hotels (2026 only) · $300 dining credit at Sapphire Reserve Exclusive Tables restaurants ($150 each half-year) · $300 StubHub/viagogo credit ($150 each half-year) · $10 monthly Lyft in-app ride credit · $10 monthly Peloton membership credit · Complimentary Apple TV and Apple Music subscriptions ($288/year value) · $15 monthly DoorDash promo (any eligible order) · Two $10 monthly DoorDash promos on non-restaurant orders · Complimentary DashPass membership ($120 value) |
| Lounges | Chase Sapphire Lounge by The Club, Priority Pass member lounge (lounges only; restaurants, spas, sleep pods, gaming excluded) |
| Foreign transaction fee | None |
| Authorized users | $195 each |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- Variable APRs are based on the 7.00% prime rate as of 9/22/2026 (Prime + 12.74% to 21.24%). Cash advance APR is 28.74%; balance transfer fee is $5 or 5%.
- Purchases covered by the $300 travel credit, The Edit credit or the 2026 select-hotel credit earn no points.
- The 4x direct-booking categories cover airlines and hotels only; cruises, vacation rentals and other travel earn 1x unless booked through Chase Travel (8x).
- Cash redemption is 1 cent per point (Rewards Program Agreement). Pay Yourself Back and Points Boost (up to 2 cents on select Chase Travel bookings) vary.
- DoorDash change from 10/1/2026: the $5 restaurant promo became a $15 promo good on any order, giving up to $35/month with the two $10 non-restaurant promos.
- The 10th-anniversary Chase Offers (IHG, Miraval/Alila, JSX, Sixt, Wander) were only for cardmembers as of 9/16/2026, so they are excluded for new applicants.
Already have it? Is the Sapphire Reserve still worth $795 a year?