Chase
Chase Sapphire Reserve
Estimated value every year on typical spending
−$57/ year
Every year, after the annual fee. Year one adds a $1,000 welcome bonus: $943
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Annual Travel Credit $300 · Global Entry/TSA PreCheck/NEXUS Fee Credit $30
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Chase Sapphire Reserve returns about $738 a year in rewards and usable credits, less than its $795 fee. It only pays off if you spend more than average in its bonus categories or use its credits fully. The welcome bonus adds roughly $1,000 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.24% variable
- Foreign fee
- None
- Top perk
- $300 annual travel credit
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 8x points on all purchases through Chase Travel
- 4x points on flights and hotels booked direct
- 3x points on dining worldwide
- 1x point on all other purchases
Sign-up bonus
100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
Best for
- Big spenders on dining
- Travelers who redeem points
- Perk-seekers who travel often
Not ideal for
- Light or occasional spenders
- People who want plain cash back
- Thin or new credit files
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $795
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.24% variable
- Balance transfer fee
- None
- $400/mo on dining earns about $144/year (3x).
- $1200/mo on everyday spending earns about $144/year (1x).
- The $795 fee pays for itself at about $3310/mo on dining.
- You come out ahead of a no-fee 1% card after about $39800/year of dining spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Chase Sapphire Reserve: questions people ask
Is the Chase Sapphire Reserve worth it?
On typical spending the Chase Sapphire Reserve returns about $738 a year in rewards and usable credits, less than its $795 fee. It only pays off if you spend more than average in its bonus categories or use its credits fully. The welcome bonus adds roughly $1,000 in the first year.
What is the Chase Sapphire Reserve annual fee?
The Chase Sapphire Reserve has a $795 annual fee. On typical spending its rewards and usable credits come to about $738 a year, so it costs about $57 more than it returns.
What is the Chase Sapphire Reserve welcome bonus?
Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening. We value it at about $1,000. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Chase Sapphire Reserve earn?
8x points on all purchases through Chase Travel. 4x points on flights and hotels booked direct. 3x points on dining worldwide. 1x point on all other purchases.
What credit score do you need for the Chase Sapphire Reserve?
The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Chase Sapphire Reserve charge foreign transaction fees?
No. The Chase Sapphire Reserve has no foreign transaction fee.
Compare Chase Sapphire Reserve
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Chase product page. Terms change often; confirm them with the issuer before you apply.