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Chase Sapphire Reserve
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Is the Chase Sapphire Reserve worth $795?

9 of 10 credits verified against issuer terms
Annual Fee
$795
Fee verified Sep 19, 2026 from creditcards.chase.com
Automatic
$0

Nothing arrives on its own · up to $2,340 if you claim it

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Rewards: 8x on Chase Travel · 4x flights & hotels direct · 3x dining · 1x everything else

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Frequently asked questions

Plain-language answers, with live numbers from this card.

12 answers
Value & break-even· 4Credits & enrollment· 3Methodology & account· 5

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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Still unsure?
Read full methodology →⇄ Compare with another cardStill have questions? Contact us

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.

Full breakdown: is the Chase Sapphire Reserve worth the fee? →

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.

$500 Southwest Airlines Chase Travel Credit$500 Credit for stays with The Edit$300 Annual Travel Credit$250 Credit for Select Hotels through Chase Travel in 2026$250 Credit for The Shops at Chase$300 Annual Dining Credit$300 Annual StubHub Credit through 12/31/27Global Entry or TSA PreCheck® or NEXUS Application Fee Statement CreditEarn Up to $10 Off Two Orders Per Month on DoorDash Non-Restaurant Orders$15 Monthly DoorDash Promo (any order)$10 Monthly Lyft Credit Up to $120 Annually$120 Annual Peloton Membership Credit through 12/31/27

Estimate · $1,170 used vs. $795

+$375