Is the Chase Sapphire Reserve worth $795?
Rewards: 8x on Chase Travel · 4x flights & hotels direct · 3x dining · 1x everything else
Nothing arrives on its own · up to $2,340 if you claim it
Rewards: 8x on Chase Travel · 4x flights & hotels direct · 3x dining · 1x everything else
Tell us what you actually use. We'll show you what this card is worth to you.
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- Issuer-Sourced Values
- Independent Verdicts
Automatic
Arrives on its own — counted with no selection.
0 credits
Yours if you use it
Available only if you use it. Select the amount you realistically expect to capture.
10 credits
Perks you value
Requires spending or qualifying activity. Include only what you realistically expect to earn.
14 credits
The credits that decide your verdict
$500 Credit for stays with The Edit
$500Up to $250 per prepaid booking, up to $500 per calendar year, on prepaid ("Pay Now") stays of 2+ nights with The Edit by Chase Travel. Automatic.
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official terms$300 Annual Travel Credit
$300Up to $300 in statement credits for travel purchases each account anniversary year: "the year beginning with your account open date through the first statement date after your account open date anniversary." Automatic; no enrollment.
Annual resetResets on your own card year — a date only you know.
Verified Sep 2026View official terms$300 Annual Dining Credit
$300"Up to $150 in statement credits from January through June and again from July through December," only at "restaurants part of the Sapphire Exclusive Tables program on OpenTable" (list: opentable.com/sapphire-reserve-exclusive-tables). Pay the restaurant directly: third-party payment processors and delivery apps do not count. Automatic; no enrollment.
Semi-annual resetUse it or lose itNext reset: January 1, 2027
Verified Sep 2026View official terms$300 Annual StubHub Credit through 12/31/27
$300Up to $150 January–June and $150 July–December on direct StubHub and viagogo purchases (no gift cards), through 12/31/2027. "One-time activation required."
Semi-annual resetEnrollment requiredUse it or lose itNext reset: January 1, 2027
Verified Sep 2026View official terms
Where to use your credits
Don't have the Chase Sapphire Reserve yet?
- Nothing here arrives on its own — every dollar is one you claim. Claim every credit and it gives back $2,340 a year.
- 8x on Chase Travel · 4x flights & hotels direct · 3x dining · 1x everything else
This is Chase’s own page. We are not paid for it, and your verdict does not move either way.
Tell Us What You Actually Use
Adjust each credit to reflect your real usage. Your verdict updates as you go.
These numbers assume “I use about half” — assumes you capture half of each recurring credit. That is our guess about you, not a number the issuer published. The credit amounts are the issuer’s.
Quick set — start here, then adjust each credit
Automatic
Arrives on its own — counted with no selection.
+$0
Automatic
Arrives on its own — counted with no selection.
- Nothing here arrives on its own — every dollar is one you claim. Claim every credit and it gives back $2,340 a year.
Yours if you use it
Available only if you use it. Select the amount you realistically expect to capture.
up to $2,340
Yours if you use it
Available only if you use it. Select the amount you realistically expect to capture.
- Quick set
$500 Credit for stays with The Edit
$250 / $50050%Up to $250 per prepaid booking, up to $500 per calendar year, on prepaid ("Pay Now") stays of 2+ nights with The Edit by Chase Travel. Automatic.
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official terms$300 Annual Travel Credit
$150 / $30050%Up to $300 in statement credits for travel purchases each account anniversary year: "the year beginning with your account open date through the first statement date after your account open date anniversary." Automatic; no enrollment.
Annual resetResets on your own card year — a date only you know.
Verified Sep 2026View official terms$300 Annual Dining Credit
$150 / $30050%"Up to $150 in statement credits from January through June and again from July through December," only at "restaurants part of the Sapphire Exclusive Tables program on OpenTable" (list: opentable.com/sapphire-reserve-exclusive-tables). Pay the restaurant directly: third-party payment processors and delivery apps do not count. Automatic; no enrollment.
Semi-annual resetUse it or lose itNext reset: January 1, 2027
Verified Sep 2026View official terms$300 Annual StubHub Credit through 12/31/27
$150 / $30050%Up to $150 January–June and $150 July–December on direct StubHub and viagogo purchases (no gift cards), through 12/31/2027. "One-time activation required."
Semi-annual resetEnrollment requiredUse it or lose itNext reset: January 1, 2027
Verified Sep 2026View official terms$250 Credit for Select Hotels through Chase Travel in 2026
$125 / $25050%Up to $250 in calendar year 2026 only (ends 12/31/2026) on prepaid stays of 2+ nights booked through Chase Travel at IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels or Pan Pacific. Automatic.
Annual resetPortal requiredNext reset: January 1, 2027
Verified Sep 2026View official termsEarn Up to $10 Off Two Orders Per Month on DoorDash Non-Restaurant Orders
$120 / $24050%Two $10 discounts each calendar month, each on a separate non-restaurant DoorDash order; unused discounts do not roll over. Requires DashPass activated with this card by 12/31/2027. A discount at checkout, not a statement credit.
Monthly resetEnrollment requiredUse it or lose itNext reset: November 1, 2026
Verified Sep 2026View official terms$15 Monthly DoorDash Promo (any order)
$90 / $18050%$15 off one qualifying DoorDash order each calendar month; does not roll over. A discount at checkout, not a statement credit.
Monthly resetEnrollment requiredUse it or lose itNext reset: November 1, 2026
Verification pendingView official terms$10 Monthly Lyft Credit Up to $120 Annually
$60 / $12050%$10 in-app Lyft credit each calendar month through 9/30/2027. Add this card to your Lyft app. Rides only (Standard, Extra Comfort, XL, Black, Black SUV). An in-app Lyft credit, not a statement credit.
Monthly resetUse it or lose itNext reset: November 1, 2026
Verified Sep 2026View official terms$120 Annual Peloton Membership Credit through 12/31/27
$60 / $12050%Up to $10 each month, $120 per calendar year, on eligible Peloton memberships (All-Access, App+, Guide, App One, Strength+, Rental) through 12/31/2027. "One-time activation required."
Monthly resetEnrollment requiredUse it or lose itNext reset: November 1, 2026
Verified Sep 2026View official termsGlobal Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit
$15 / $3050%"One statement credit every four years (up to $120)" for the Global Entry, TSA PreCheck® or NEXUS application fee.
Multi-year resetResets on your own card year — a date only you know.
Verified Aug 2026View official terms
Perks you value
Requires spending or qualifying activity. Include only what you realistically expect to earn.
up to $750
Perks you value
Requires spending or qualifying activity. Include only what you realistically expect to earn.
- Quick set
$500 Southwest Airlines Chase Travel Credit
$0 / $500$max $500$75,000 Spend Benefit: unlocks only after "$75,000 in purchases … each calendar year." Up to $500 for Southwest Airlines purchases made on Chase Travel, available for the rest of the qualifying year and through the following calendar year; up to $1,000 at once if you qualify two years in a row.
Requires $75,000 qualifying spend to unlock
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official terms$250 Credit for The Shops at Chase
$0 / $250$max $250$75,000 Spend Benefit: unlocks only after "$75,000 in purchases … each calendar year." Up to $250 for The Shops at Chase, available for the rest of the qualifying year and through the following calendar year; up to $500 at once if you qualify two years in a row.
Requires $75,000 qualifying spend to unlock
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official termsReserve Travel Designers
$0 / your call$you assignDedicated Reserve Travel Designers for premium bookings.
Always onVerified Aug 2026View official termsTrip delay / baggage insurance
$0 / your call$you assignAlways onVerified Aug 2026View official termsIHG One Rewards Diamond Elite Status
$0 / your call$you assignRequires $75,000 in purchases in a calendar year. Once earned it lasts the rest of that year and all of the next year.
Requires $75,000 qualifying spend to unlock
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official termsIHG One Rewards Platinum Elite Status
$0 / your call$you assignNo spend requirement. You must link your IHG One Rewards account to activate, and keep the card account open and the IHG account in good standing.
Always onEnrollment requiredVerified Sep 2026View official termsDashPass Membership
$0 / your call$you assignFree DashPass membership — only valuable if you order DoorDash.
Always onVerified Aug 2026View official termsPoints Boost
$0 / your call$you assignUp to 2× points value on select Chase Travel bookings.
Annual resetNext reset: January 1, 2027
Verified Aug 2026View official termsOpenTable Exclusive Tables
$0 / your call$you assignOpenTable Exclusive Tables at hard-to-book restaurants.
Always onVerified Aug 2026View official termsApple Music subscription
$0 / your call$you assign⚠️ Available through 2027-06-22 — renewal value will be lower
Always onVerified Aug 2026View official termsPriority Pass Select + Sapphire / Air Canada Lounges
$0 / your call$you assignComplimentary Priority Pass Select, Chase Sapphire Lounge access, and Air Canada Maple Leaf lounge access.
Always onVerified Aug 2026View official termsHyatt Explorist status
$0 / your call$you assignRequires $75,000 in purchases in a calendar year. Once earned it lasts the rest of that year, all of the next year, and through February of the year after that.
Requires $75,000 qualifying spend to unlock
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official termsApple TV subscription
$0 / your call$you assign⚠️ Available through 2027-06-22 — renewal value will be lower
Always onVerified Aug 2026View official termsSouthwest A-List Status
$0 / your call$you assignRequires $75,000 in purchases in a calendar year. Once earned it lasts the rest of that year through the end of the next year (expires December 31 of that year).
Requires $75,000 qualifying spend to unlock
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official terms
Move any slider to make this verdict yours — then you can share it.
Where your $2,340 lives.
10 of 10 capturable creditsEvery credit on this card is tied to a place. Here is each one, what it is worth, the strings — and one tap to go use it. Only count the ones you would actually use.
No card issuer pays us. Some merchant links may earn a commission. Your verdict never depends on it. Paid links are marked Partner link. Order is by value, never by commission.
$500 Credit for stays with The Edit
hotel
Counts toward: up to $500/year
Frequency: Annual
Up to $250 per prepaid booking, up to $500 per calendar year, on prepaid ("Pay Now") stays of 2+ nights with The Edit by Chase Travel. Automatic.
$300 Annual Dining Credit
dining
Counts toward: up to $300/year
Frequency: Semiannual
"Up to $150 in statement credits from January through June and again from July through December," only at "restaurants part of the Sapphire Exclusive Tables program on OpenTable" (list: opentable.com/sapphire-reserve-exclusive-tables). Pay the restaurant directly: third-party payment processors and delivery apps do not count. Automatic; no enrollment.
$300 Annual StubHub Credit through 12/31/27
entertainment
Counts toward: up to $300/year
Frequency: Semiannual
Up to $150 January–June and $150 July–December on direct StubHub and viagogo purchases (no gift cards), through 12/31/2027. "One-time activation required."
$300 Annual Travel Credit
travel
Counts toward: up to $300/year
Frequency: Annual
Up to $300 in statement credits for travel purchases each account anniversary year: "the year beginning with your account open date through the first statement date after your account open date anniversary." Automatic; no enrollment.
$250 Credit for Select Hotels through Chase Travel in 2026
hotel
Counts toward: up to $250/year
Frequency: Annual
Up to $250 in calendar year 2026 only (ends 12/31/2026) on prepaid stays of 2+ nights booked through Chase Travel at IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels or Pan Pacific. Automatic.
Earn Up to $10 Off Two Orders Per Month on DoorDash Non-Restaurant Orders
dining
Counts toward: up to $240/year
Frequency: Monthly
Two $10 discounts each calendar month, each on a separate non-restaurant DoorDash order; unused discounts do not roll over. Requires DashPass activated with this card by 12/31/2027. A discount at checkout, not a statement credit.
$15 Monthly DoorDash Promo (any order)
dining
Counts toward: up to $180/year
Frequency: Monthly
$15 off one qualifying DoorDash order each calendar month; does not roll over. A discount at checkout, not a statement credit.
$10 Monthly Lyft Credit Up to $120 Annually
rideshare
Counts toward: up to $120/year
Frequency: Monthly
$10 in-app Lyft credit each calendar month through 9/30/2027. Add this card to your Lyft app. Rides only (Standard, Extra Comfort, XL, Black, Black SUV). An in-app Lyft credit, not a statement credit.
$120 Annual Peloton Membership Credit through 12/31/27
fitness
Counts toward: up to $120/year
Frequency: Monthly
Up to $10 each month, $120 per calendar year, on eligible Peloton memberships (All-Access, App+, Guide, App One, Strength+, Rental) through 12/31/2027. "One-time activation required."
Global Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit
global entry
Counts toward: up to $30/year
Frequency: One-time
"One statement credit every four years (up to $120)" for the Global Entry, TSA PreCheck® or NEXUS application fee.
Don't have the Chase Sapphire Reserve yet?
- Nothing here arrives on its own — every dollar is one you claim. Claim every credit and it gives back $2,340 a year.
- 8x on Chase Travel · 4x flights & hotels direct · 3x dining · 1x everything else
This is Chase’s own page. We are not paid for it, and your verdict does not move either way.
Real perks. No fake price tags.
Lounges, status and insurance can matter a lot. But the issuer puts no fixed dollar amount on them, so we show them here — and leave them out of your verdict.
Lounges
· 1Priority Pass Select + Sapphire / Air Canada Lounges
$0Complimentary Priority Pass Select, Chase Sapphire Lounge access, and Air Canada Maple Leaf lounge access.
Always onVerified Aug 2026Official terms
Status
· 4IHG One Rewards Diamond Elite Status
$0Requires $75,000 in purchases in a calendar year. Once earned it lasts the rest of that year and all of the next year.
Annual resetVerified Sep 2026Official termsIHG One Rewards Platinum Elite Status
$0Complimentary IHG One Rewards Platinum Elite status for as long as you hold the card, through December 31, 2027. No spending requirement.
Enroll firstAlways onVerified Sep 2026Official termsHyatt Explorist status
$0Requires $75,000 in purchases in a calendar year. Once earned it lasts the rest of that year, all of the next year, and through February of the year after that.
Annual resetVerified Sep 2026Official termsSouthwest A-List Status
$0Requires $75,000 in purchases in a calendar year. Once earned it lasts the rest of that year through the end of the next year (expires December 31 of that year).
Annual resetVerified Sep 2026Official terms
Protections
· 1Trip delay / baggage insurance
$0Always onVerified Aug 2026Official terms
Other perks
· 6Reserve Travel Designers
$0Dedicated Reserve Travel Designers for premium bookings.
Always onVerified Aug 2026Official termsDashPass Membership
$0Free DashPass membership — only valuable if you order DoorDash.
Always onVerified Aug 2026Official termsPoints Boost
$0Up to 2× points value on select Chase Travel bookings.
Annual resetVerified Aug 2026Official termsOpenTable Exclusive Tables
$0OpenTable Exclusive Tables at hard-to-book restaurants.
Always onVerified Aug 2026Official termsApple Music subscription
$0Always onVerified Aug 2026Official termsApple TV subscription
$0Always onVerified Aug 2026Official terms
These perks add zero to your calculated value. Coverage limits and eligibility vary by card; always confirm with the issuer.
Frequently asked questions
Plain-language answers, with live numbers from this card.
Value & break-even
Is the Chase Sapphire Reserve worth the annual fee?
Whether Chase Sapphire Reserve is worth its $795 annual fee depends on which credits you actually use. Nothing on this card arrives on its own, so your WTF Check counts only the credits you say you use. The Maximum Credit Value is $2,340/year — your value may be much lower, and that is what the WTF Check calculates. A further $750/year has to be earned — qualifying spend or qualifying activity — so we don't count it. Run the WTF Check above for your verdict.
How much value do I need to use to break even on the Chase Sapphire Reserve?
You need to capture at least $795 in credits each year to break even. Using every credit you don't have to earn returns $2,340 — that's 2.9× the fee. A further $750/year has to be earned — qualifying spend or qualifying activity — so we don't count it.
Why is WorthTheFee's number lower than the bank's total for the Chase Sapphire Reserve?
Banks add up every possible credit at its theoretical maximum. We show the Maximum Credit Value ($2,340/year here) — the credits you can capture by using them — and keep perks you value, which need spending or qualifying activity first, on their own line. Your WTF Check counts only what you say you use. If you don't use it, we don't count it.
Does the welcome bonus count toward this value?
No. Welcome bonuses are one-time and vary by application channel, so we don't fold them into ongoing annual value. Our number reflects what you get every year you hold the card — not a first-year sweetener.
Credits & enrollment
Which Chase Sapphire Reserve credits are Automatic?
None of them — nothing on the Chase Sapphire Reserve posts automatically. Every credit takes an action to capture, which is why we count none of it for you by default. Use every credit you don't have to earn and the Chase Sapphire Reserve gives back $2,340 a year. Review each credit below and include only what you realistically expect to use or earn.
Which Chase Sapphire Reserve credits require enrollment?
These credits require you to opt in through your account before they'll post: $15 Monthly DoorDash Promo (any order), IHG One Rewards Platinum Elite Status, $120 Annual Peloton Membership Credit through 12/31/27, Earn Up to $10 Off Two Orders Per Month on DoorDash Non-Restaurant Orders, $300 Annual StubHub Credit through 12/31/27. If you don't enroll, you get nothing — even after you spend.
What perks are not counted in the Net Value?
WorthTheFee excludes any benefit without a fixed, verifiable dollar value — things like elite status, lounge access, or trip insurance. They're real, but we won't put a fake price on them.
Methodology & account
How does WorthTheFee calculate value?
We sort every credit into three buckets: Automatic (included in the WTF Check with no selection required), Yours if you use it (available only if you actually use it), and Perks you value (requires spending or qualifying activity). Your verdict adds Automatic value to the value you select—never the bank's marketing total.
How often are these credits and values updated?
Every credit here is read from the issuer's own published terms by a person, who records the source link and the date. The date on this page is that date — it is when we last checked, not a promise about when we will check next. When a term changes we log it to our terms-history so you can see exactly what shifted and when, and if a credit's reset window changes, your reminders update too.
Will my annual fee change?
Issuers raise fees occasionally — usually with 30–60 days notice. If we detect a fee change on a card in My Wallet, it shows in your Alerts, under Deadlines. You can always downgrade or cancel before the renewal posts.
Do affiliate links change the math?
No. No card issuer pays us. Some merchant links may earn us a commission. Your verdict never does. The numbers don't move. The answer doesn't change. If the math says Cancel, we say Cancel.
Can I save my verdict?
Yes—your current selections are kept in this page's URL automatically. Create a free account to save your verdict to My Wallet and get reminders before each credit's reset window closes.
Official sources
Every fee, credit and restriction on this page is taken from Chase’s own published pages — never from a blog, forum or affiliate roundup. WorthTheFee is not the issuer and is never paid to change a verdict.
9 of 10 credits verified against issuer terms — this card has not yet been fully reviewed against issuer sources. Issuers change terms without notice. Confirm on the issuer page before applying.
Which other cards give you these?
These 12 credits each have their own page, listing every card that carries them with the issuer’s stated maximum on each.
Estimate · $1,170 used vs. $795