ResourcesCalculatorsChase Sapphire Reserve
$795 Annual Fee

Is the Sapphire Reserve worth it for you?

Drag in your real annual spend. I'll do the points math the bank won't — earn rates, your credits, and how you redeem — then tell you if the fee pays for itself.

Sign-Up Bonus

Are you opening the card or thinking about closing it? Each situation has its own bonus — but you only get one.

Current offer: typically 60,000 – 75,000 points after minimum spend
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Your Annual Spend
How you redeem points
Annual spend by category

Estimate what you charge to the card each year.

Airfare, hotels, and car rentals via Chase Travel portal
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Equipment & accessories
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Valid through 9/30/2027
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Booked directly with airline or hotel — not through a portal
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Includes Chase Dining portal
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Card credits

Drag each slider to reflect how much of the credit you'd realistically use.

Access to Priority Pass lounges and Chase Sapphire Lounges worldwide. Each visit is worth ~$50 — recommended if you'll use lounges at least 5–6 times a year.
visits / yr
The first $300 you spend on any travel-related purchase (airlines, hotels, taxis, parking, Uber, etc.) is automatically reimbursed. Resets on your card anniversary date.
Ease of use5/5See why we rated it this way →

Resets on your card anniversary date — not January 1. One of the broadest travel credits available; virtually any travel-coded purchase counts.

$/ $300 max
Free DashPass membership every year through 12/31/2027 (normally ~$9.99/month). Enter the value you’d get from free delivery and reduced fees.
Ease of use4/5See why we rated it this way →

Must activate through the Chase benefits portal — does not activate automatically. Expires December 31, 2027.

$/ $240 max
$5/month to spend on any dining order placed in the DoorDash app.
Ease of use4/5See why we rated it this way →

$5/month on restaurant orders in DoorDash. Monthly credit does not roll over.

$/ $120 max
$20/month discount (as 2× $10 credits) at checkout on grocery, convenience, and pharmacy orders on DoorDash. Note: as of April 2026, a $20 order minimum is required to apply each $10 credit.
Ease of use2/5See why we rated it this way →

Issued as two separate $10 credits. Each requires a $20 minimum order (effective April 2026). Applies to grocery, convenience, and pharmacy orders only — not restaurant orders. Credits do not roll over month to month.

$/ $120 max
$120 credit to enroll or renew Global Entry ($120) or TSA PreCheck (~$85). Can also be used for a friend or family member’s application.
Ease of use4/5See why we rated it this way →

Credit applies once every 4.5 years (5-year membership, renewable 6 months early). Must pay the application fee with the Sapphire Reserve. Can be applied to a companion or family member’s application.

$/ $120 max
$10/month to spend within the Lyft app. Use it or lose it — cannot be stacked month-to-month.
Ease of use4/5See why we rated it this way →

Use-it-or-lose-it monthly — credits cannot be stacked. Must open Lyft through your Chase benefit link to ensure the credit is applied.

$/ $120 max
Up to $150 semi-annually (Jan–Jun & Jul–Dec) when you dine at restaurants part of the Sapphire Exclusive Tables program on OpenTable.
Ease of use2/5See why we rated it this way →

Only valid at restaurants in Chase’s Sapphire Exclusive Tables program on OpenTable — not all OpenTable restaurants qualify. $150 per semi-annual window; unused portions don’t roll over. Restaurant availability is limited in many markets.

$/ $300 max
Up to $150 semi-annually (Jan–Jun & Jul–Dec) on event ticket purchases through StubHub.
Ease of use3/5See why we rated it this way →

$150 per semi-annual window (Jan–Jun and Jul–Dec); unused portions don’t roll over. Valid only on StubHub — not Ticketmaster or other ticket platforms.

$/ $300 max
Statement credit for the cost of Apple Music and Apple TV+ subscriptions, capped at $288/year.
Ease of use4/5See why we rated it this way →

Covers Apple Music and Apple TV+ subscription fees billed to the Sapphire Reserve. Individual plan subscriptions only — does not cover Apple One bundle charges or family plan billing from another cardholder.

$/ $288 max

Unlocked when you spend $75,000 in a calendar year. Only include these if you expect to hit that threshold.

$250 annual credit at participating Shops at Chase merchants.
Ease of use1/5See why we rated it this way →

Only available at select Shops at Chase partner merchants — participation is limited. Requires $75,000 in annual card spend to unlock this benefit tier.

$/ $250 max
$500 toward Southwest Airlines purchases when you hit $75k in annual spend.
Ease of use1/5See why we rated it this way →

Requires $75,000 in annual card spend to unlock. Applies to Southwest ticket purchases and Rapid Rewards point purchases. Southwest flights only — no other airlines.

$/ $500 max

Complimentary top-tier Diamond Elite status with IHG One Rewards (Holiday Inn, InterContinental, Kimpton, etc.), including room upgrades, late checkout, and bonus points on stays.

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Complimentary Southwest A-List status, including priority boarding, free same-day standby, and a 25% Rapid Rewards earnings bonus.

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Complimentary World of Hyatt Explorist status, including room upgrades (when available), a guaranteed 2pm late checkout, and a 30% points bonus on stays.

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Optional — enter a dollar value for any protection benefits you'd use.

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Net value after the $795 fee
$-795.00SKIP IT
Rewards earned$795 fee
Points earned / year0 pts
Rewards value$0.00
Annual fee−$795
Effective return on spend0.00%
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