Chase Sapphire Reserve: what it's really worth

The Chase Sapphire Reserve has a $795 annual fee. For a typical household spending $2,070 a month, it's worth about $2,008 in year one and $508 each year after.

Sources reported both 100,000 and 125,000 points in 2026 — check Chase for today's offer.

Is the annual fee worth it?

Worth keeping after year one for typical spending: it nets about $2 a year more than the Hilton Honors Card, the best no-fee card for the same spending.

How you earn

*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 8x on everything booked through Chase Travel.

Credits and perks

• $300 annual travel credit — Applied automatically to almost any travel purchase. We count about $300 a year, since most people don't use every dollar.
• $300 dining credit — $150 twice a year at Sapphire Reserve Exclusive Tables restaurants. We count about $150 a year, since most people don't use every dollar.
• $500 The Edit hotel credit — $250 twice a year on 2+ night stays booked via The Edit. We count about $200 a year, since most people don't use every dollar.
• $300 StubHub credit — $150 twice a year on StubHub / viagogo tickets. We count about $75 a year, since most people don't use every dollar.
• Airport lounge access
• Global Entry / TSA PreCheck credit
• Foreign transaction fee: none

Who it's for

• Frequent travelers who'll use the $300 travel credit
• Lounge access when you fly
• Not ideal: Anyone who won't use the semi-annual credits — the fee is $795

Can I get it?

• Recommended credit: Excellent
• Chase rules: 5/24: usually denied if you've opened 5+ personal cards (any bank) in the last 24 months. The bonus may be unavailable if you've had this card before.
• Visa: Accepted almost everywhere, including Costco warehouses (Visa only).

Check the current offer at Chase

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Updated Oct 30, 2026.