Chase

Chase Sapphire Reserve

$795/year, earning Chase Ultimate Rewards Points, on the Visa network.

Card terms last verified against issuer pages on 2026-09-20.

At a glance

The Chase Sapphire Reserve is a $795/year card from Chase earning Chase Ultimate Rewards Points. It earns 8x on travel (chasetravel), 4x on airlines, 4x on hotels and 1x on everything else. It carries 13 recurring statement credits worth $3,258 a year, listed in full below with the cap and reset date for each.

Annual fee$795

Credits a year$3,258

Base rate1x

Foreign feeNone

Welcome bonus

100,000 Ultimate Rewards Points — Spend $6000 in the first 3 months.
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.

What it earns

Rates are the multipliers Chase advertises. We do not convert them into a percentage return, because that requires putting a price on Chase Ultimate Rewards Points and that price is a judgement, not a fact — see how we source this.

Category	Rate	Notes
Travel (ChaseTravel)	8x
Airlines	4x
Hotels	4x
Dining	3x
Other	1x	Everything else

Statement credits

$3,258 a year across 13 credits against a $795 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.

Resets on the calendar year, expiring 31 December

Resets on your cardmember year

Credit

Windows in a year

Each

A year

$500 Annual The Edit Credit (2+ nights) Receive a statement credit of up to $250 for each prepaid booking with The Edit—our handpicked collection of hotels and resorts, up to $500 annually. How it works: - Maximum $500 credit annually for prepaid “Pay Now” bookings. - Minimum 2-night stay required. - Purchases that qualify for the $500 Credit for stays with The Edit will not earn points. - Enjoy complimentary benefits with The Edit: daily breakfast for 2, $100 property credit, room upgrade if available and more. - Statement credit periods end at 11:59 PM ET on the last day of the period. Please note that processing delays can cause purchases made during one statement credit period to be allocated to the next period.

Once a year, resets on the calendar year

$500

$500 Southwest Airlines Chase Travel Credit After meeting the $75,000 spend requirements, $500 Southwest Airlines credit when booked through Chase Travel

Once a year, resets on the cardmember year

$500

$300 Annual Travel Credit $300 annual travel credit - still the most flexible travel credit available. A statement credit will be automatically applied to your account for purchases made in the travel category, up to an annual maximum accumulation of $300. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year.

Once a year, resets on the cardmember year

$300

$25 Monthly DoorDash Credit enrol first Earn a $5 DoorDash monthly promo for restaurant orders while enrolled in DashPass, through Dec 31, 2027. Apply the $5 promo at checkout while placing a restaurant order to receive up to $5 off. This promo can be applied once per month. Any unused promo does not rollover. Also get up to $20 (via 2 $10 promos) off grocery, retail, and all other non-restaurant orders on DoorDash each month while enrolled in DashPass through Dec 31, 2027. Apply the $10 promo at checkout while placing a non-restaurant order to receive up to $10 off each order. This promo can be applied to 2 separate orders per month. Unused promos do not rollover. Also get an annual complimentary DashPass membership. *Please note that the Chase DashPass membership benefits are not available when using Apple Pay, PayPal, or other third-party payment methods.

Monthly, resets on the cardmember year

$25

$300

$150 Semi-Annual Dining Credit(Opentable Only) Get up to $300 annually when you use your card at restaurants that are part of our Sapphire Reserve Exclusive Tables program. That’s up to $150 in statement credits every 6 months. How it works: - Credits are for dining at restaurants that are part of Sapphire Reserve Exclusive Tables in the Visa Dining Collection on OpenTable. - Get up to $150 in statement credits from January through June and up to $150 in statement credits from July through December. - Statement credit periods end at 11:59 PM ET on the last day of the period. Please note that merchant delays in the processing or submission of transactions can cause purchases made during one statement credit period to be allocated to the next period.

Twice a year, resets on the cardmember year

$150

$300

$150 Semi-Annual StubHub Credit enrol first Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for StubHub and viagogo purchases through 12/31/27. Activation required

Twice a year, resets on the cardmember year

$150

$300

$250 The Shops at Chase Credit After meeting the $75,000 spend requirements, $250 credit to The Shops at Chase, a new online shopping experience designed exclusively for cardmembers

Once a year, resets on the cardmember year

$250

$250 Select Chase Travel Hotel Credit(2+ nights) Get up to $250 in statement credits on stays at select hotels booked through Chase Travel. How it works: - No activation required. Just use your card to book stays at select hotels through Chase Travel. - When booking your hotel via Chase Travel, select the pre-paid, “Pay Now” option using your Chase Sapphire Reserve card. - Get up to $250 in statement credits from January 1 through December 31, 2026. - Minimum 2-night stay required. - Select eligible hotels are IHG Hotels & Resorts, Montage Hotels & Resorts, Pendry Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Minor Hotels, and Pan Pacific Hotels and Resorts. - Purchases that qualify for the $250 credit will not earn points.

Once a year, resets on the calendar year

$250

$12.99 Monthly Apple TV Subscription enrol first Get complimentary Apple TV through June 22, 2027 — a value of $12.99 per month. Activate by linking your Apple ID; on iPhone or iPad, your benefit auto-links to the Apple ID signed in to your device. If you already have a paid Apple TV subscription, your Chase complimentary subscription will automatically suspend the existing paid one (and it resumes if you cancel through Chase). Apple One paid subscriptions will run alongside without suspension.

Monthly, resets on the cardmember year

$12.99

$155.88

$10.99 Monthly Apple Music Subscription enrol first Get complimentary Apple Music through June 22, 2027 — a value of $10.99 per month. Activate by linking your Apple ID; on iPhone or iPad, your benefit auto-links to the Apple ID signed in to your device. If you already have a paid Apple Music subscription, your Chase complimentary subscription will automatically suspend the existing paid one (and it resumes if you cancel through Chase). Apple Music Family or Apple One paid subscriptions will run alongside without suspension.

Monthly, resets on the cardmember year

$10.99

$131.88

$10 Monthly Peloton Credit enrol first 10x points on eligible Peloton equipment and accessory purchases and up to $120 in annual statement credits toward Peloton memberships through 12/31/2027

Monthly, resets on the cardmember year

$10

$120

$10 Monthly Lyft Credit $120 in annual Lyft in-app credits, up to $10 monthly, plus 5x total points on eligible Lyft rides through 9/30/2027

Monthly, resets on the cardmember year

$10

$120

Global Entry/TSA PreCheck Credit $120 Global Entry, TSA Precheck or Nexus credit every four years

Every 4 years, resets on the cardmember year

$120

$30

Status and included memberships

Priority Pass Select — Complimentary access to 1,300+ airport lounges worldwide with up to two guests, plus every Chase Sapphire Lounge by The Club location, after an easy one-time enrollment in Priority Pass Select
IHG One Rewards Diamond Elite Status — After meeting the $75,000 spend requirements, you will be eligible for IHG One Rewards Diamond Elite status for the remainder of the calendar year in which you qualify and the following calendar year
World of Hyatt Explorist Status — After meeting the $75,000 spend requirements, complimentary World of Hyatt Explorist status for the remainder of the calendar year in which you qualify and the following calendar year. Activate by linking your World of Hyatt account in the Chase Mobile app.
Southwest Airlines Rapid Rewards A-List Status — After meeting the $75,000 spend requirements, Southwest Airlines A-List Status
IHG One Rewards Platinum Elite Status — Complimentary IHG One Rewards Platinum Elite Status

Protections and insurance

Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.

Auto Rental Coverage — Primary car insurance and trip cancellation coverage
Trip Cancellation and Interruption Insurance — The most comprehensive suite of travel protections available through built-in benefits that cover a wider range of travel setbacks than any other card
Purchase Protection — Purchase protection and extended warranty coverage
Extended Warranty Protection — Extended warranty protection

Questions people ask about the Chase Sapphire Reserve

What is the annual fee on the Chase Sapphire Reserve?

The Chase Sapphire Reserve has a $795 annual fee.

What statement credits does the Chase Sapphire Reserve include?

It carries 13 recurring statement credits worth $3,258 a year in total: $500 Annual The Edit Credit (2+ nights) ($500, resets on the calendar year); $500 Southwest Airlines Chase Travel Credit ($500, resets on the cardmember year); $300 Annual Travel Credit ($300, resets on the cardmember year); $25 Monthly DoorDash Credit ($25 monthly, resets on the cardmember year); $150 Semi-Annual Dining Credit(Opentable Only) ($150 twice a year, resets on the cardmember year); $150 Semi-Annual StubHub Credit ($150 twice a year, resets on the cardmember year); $250 The Shops at Chase Credit ($250, resets on the cardmember year); $250 Select Chase Travel Hotel Credit(2+ nights) ($250, resets on the calendar year); $12.99 Monthly Apple TV Subscription ($12.99 monthly, resets on the cardmember year); $10.99 Monthly Apple Music Subscription ($10.99 monthly, resets on the cardmember year); $10 Monthly Peloton Credit ($10 monthly, resets on the cardmember year); $10 Monthly Lyft Credit ($10 monthly, resets on the cardmember year); Global Entry/TSA PreCheck Credit ($30, resets on the cardmember year). Verified 2026-09-20.

What does the Chase Sapphire Reserve earn?

8x on travel (chasetravel), 4x on airlines, 4x on hotels, 3x on dining, and 1x on everything else, in Chase Ultimate Rewards Points.

Is the Chase Sapphire Reserve worth the annual fee?

Its recurring statement credits total $3,258 a year against a $795 fee, so the card pays for itself on credits alone if you use 25% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.

Does the Chase Sapphire Reserve charge foreign transaction fees?

No — the Chase Sapphire Reserve has no foreign transaction fee.

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Verify before you apply. Card terms change without much notice, and issuers vary offers by applicant. Everything on this page was last checked on 2026-09-20 against our card database. The issuer's own terms page is the authority.