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Chase Sapphire Reserve

$795/yr annual fee

Chase Ultimate Rewards points are worth 1.0¢ as cash back. Transfer to airline or hotel partners and you can do even better.

1.50¢ / pt
1.0¢
Cash back
2.0¢
Transfer partners

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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Enter your estimated annual spend in each bonus category.

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

Priority Pass & Chase Lounges
$0($50/visit)

Access to Priority Pass lounges and Chase Sapphire Lounges worldwide. Each visit is worth ~$50. Enter your expected number of lounge visits per year. Faiq recommends this card to people who'll use lounges at least 5–6 times a year.

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$300 Travel Credit
$/ $300 max

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 use5/5

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

DoorDash DashPass Membership
$/ $240 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 use4/5

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

$5/Month DoorDash Dining Credit
$/ $120 max

$5/month to spend on any dining order placed in the DoorDash app.

Ease of use4/5

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

$20/Month DoorDash Non-Dining Credit
$/ $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 use2/5

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.

Global Entry / TSA PreCheck
$/ $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 use4/5

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.

$10/Month In-App Lyft Credit
$/ $120 max

$10/month to spend within the Lyft app. Use it or lose it — cannot be stacked month-to-month.

Ease of use4/5

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

$300 Dining Credit via OpenTable
$/ $300 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 use2/5

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 StubHub Credit
$/ $300 max

Up to $150 semi-annually (Jan–Jun & Jul–Dec) on event ticket purchases through StubHub.

Ease of use3/5

$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.

Apple Music & Apple TV+ Subscription
$/ $288 max

Statement credit for the cost of Apple Music and Apple TV+ subscriptions, capped at $288/year.

Ease of use4/5

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.

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

$250 Credit for the Shops at Chase
$/ $250 max

$250 annual credit at participating Shops at Chase merchants.

Ease of use1/5

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

$500 Southwest Airlines Travel Credit
$/ $500 max

$500 toward Southwest Airlines purchases when you hit $75k in annual spend.

Ease of use2/5

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.

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

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Your breakdown
Points (0 pts @ 1.50¢)$0.00
Credits$0.00
Total value$0.00
Annual fee−$795
Net value$-795.00
✗ May not be worth it
You need $795.00 more in value to break even.
Thinking about closing it? Use the cancel or downgrade decision tree →
Credits: your value vs max
Travel
$0
DashPass
$0
DD Dining
$0
DD Non-Din
$0
G. Entry
$0
Lyft
$0
OpenTable
$0
StubHub
$0
Apple
$0
■ Your value■ Max

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