Chase Sapphire Reserve

Earning

Right column: value per $ at travel valuation (2.05¢/pt). 1¢ cash. Travel value assumes transfers (Hyatt, airlines) via a Sapphire/Ink Preferred; Freedom/Ink Cash points alone are worth 1¢ unless pooled. Points Boost on Chase Travel up to ~1.5-2¢ on select bookings.

Credits

• $300 Annual travel credit /year · easy to use
  Up to $300 in statement credits each year, applied automatically to a broad range of travel purchases (airfare, hotels, rental cars, transit, etc.). Purchases reimbursed by the credit do not earn points.
• $500 The Edit hotel credit /year · hard to use
  Up to $500 per calendar year as two $250 statement credits (max $250 per booking, max 2 bookings) for prepaid stays of 2+ nights booked through The Edit by Chase Travel. Started Jan 1, 2026 (Jan-Jun and Jul-Dec halves). The Edit stays also get daily breakfast for two, room upgrades when available, and a $100 property credit.
• $250 Select Chase Travel hotels credit /year · medium to use
  Up to $250 in statement credits for 2-night-minimum stays at select hotel brands booked through Chase Travel (IHG, Montage, Pendry, Omni, Virgin, Minor, Pan Pacific). Available through Dec 31, 2026.
• $150 Sapphire Reserve Exclusive Tables dining credit /semiannual · medium to use · enrollment required
  $300 per year as $150 Jan-Jun and $150 Jul-Dec in statement credits for dining at restaurants in the Sapphire Reserve Exclusive Tables program (booked via OpenTable). Activation required.
• $150 StubHub / viagogo credit /semiannual · medium to use · enrollment required
  $300 per year as $150 Jan-Jun and $150 Jul-Dec in statement credits for concert and event tickets on StubHub or viagogo, through Dec 31, 2027. Activation required.
• $10 Lyft credit /month · medium to use · enrollment required
  $10 in Lyft credit each month ($120/year) through Sept 30, 2027 when the card is added to your Lyft account (activation required), on top of 5x points on Lyft rides.
• $10 Peloton membership credit /month · hard to use · enrollment required
  Up to $10 per month ($120/year) in statement credits toward Peloton memberships through Dec 31, 2027. Activation required on Peloton's website.
• $120 Global Entry / TSA PreCheck / NEXUS fee credit /every 4 years · easy to use
  One statement credit of up to $120 every four years for the Global Entry, TSA PreCheck or NEXUS application fee charged to the card.
• $15 DoorDash credit (any order) /month · easy to use · enrollment required
  From Oct 1, 2026: $15 monthly DoorDash promo on any eligible order incl. restaurant delivery. Activate in the DoorDash app with the Reserve set as payment method. (Source: Kudos blog, Sept 2026.)
• $20 DoorDash grocery/retail credits /month · medium to use · enrollment required
  Two $10 monthly DoorDash promos on non-restaurant (grocery/retail) orders; requires the complimentary DashPass and the Reserve as payment method.

Benefits

• No foreign transaction fees
• Chase Sapphire Lounge by The Club — Complimentary access to Sapphire Lounges (and Air Canada Maple Leaf Lounges/Cafes in select U.S., Canada and Europe airports with an eligible boarding pass) with up to 2 guests. DFW and LAX Sapphire Lounges opening 2026.
• Priority Pass Select — 1,300+ Priority Pass lounges worldwide with 2 complimentary guests. Enrollment required.
• IHG One Rewards Platinum Elite — Complimentary IHG Platinum Elite status through Dec 31, 2027 (activation required; primary cardholder only). Marriott Bonvoy Gold Elite via limited-time registration July 1 - Sept 30, 2026. Hyatt Explorist and IHG Diamond after $75,000 calendar-year spend.
• 1:1 transfer partners including Hyatt — Transfers 1:1 to Chase airline and hotel partners; the Reserve keeps the 1:1 World of Hyatt ratio (Sapphire Preferred/Ink Preferred drop to 4:3 in 2026).
• Points Boost — Points redeem at 1 cent each through Chase Travel (the flat 1.5 cents ended June 23, 2025), with Points Boost worth up to 2 cents per point on select hotels (including The Edit) and premium airline cabins.
• $300 annual travel credit — See credits.
• $500 The Edit credit + $250 select hotels credit — See credits.
• $300 Exclusive Tables dining credit — See credits.
• $300 StubHub / viagogo credit — See credits.
• $120 Lyft credit — See credits.
• $120 Peloton credit — See credits.
• Global Entry / TSA PreCheck / NEXUS credit — Up to $120 every four years.
• Apple TV + Apple Music — Complimentary Apple TV and Apple Music subscriptions ($288/year value) for 12 months when activated by June 22, 2027.
• DashPass (12 months) — Complimentary DoorDash DashPass ($120 value) when activated by Dec 31, 2027.
• $300/year DoorDash promos — For DashPass members: a $5 monthly restaurant promo plus two $10 monthly promos on non-restaurant orders (up to $25/month) through Dec 31, 2027. In-app promos, not statement credits.
• Reserve Travel Designers — Complimentary custom itinerary planning (valued up to $300 per trip) plus 24/7 dedicated customer service.
• $75,000 annual spend unlocks — After $75,000 in a calendar year: World of Hyatt Explorist, IHG Diamond Elite, Southwest A-List, $500 Southwest Chase Travel credit and $250 The Shops at Chase credit, for the rest of that year and the next.
• Primary auto rental collision damage waiver — Primary coverage up to $75,000 for theft and collision damage on most rentals (up to 31 days) in the U.S. and abroad when you decline the rental company's coverage.
• Trip cancellation / interruption insurance — Up to $10,000 per traveler and $20,000 per trip.
• Trip delay reimbursement — Up to $500 per traveler for delays of 6+ hours or requiring an overnight stay.
• Baggage delay insurance — Up to $100 a day for up to 5 days after a 6+ hour delay.
• Lost luggage reimbursement — Up to $3,000 per traveler ($500 cap on jewelry, watches and electronics).
• Emergency evacuation and transportation — Up to $100,000.
• Emergency medical and dental — Up to $2,500 when 100+ miles from home.
• Roadside assistance — Up to $50 per incident, up to 4 times per year.
• Travel accident insurance — Up to $1,000,000 accidental death or dismemberment.
• Purchase protection — 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Return protection — Up to $500 per item, $1,000 per 12 months, within 90 days.
• Extended warranty protection — Extends U.S. manufacturer warranties of 3 years or less by an additional year.

Protections

Notes

Subject to Chase 5/24; cannot hold both Sapphire Reserve and Sapphire Preferred. Overhauled June 23, 2025: annual fee $550 -> $795 (AU $75 -> $195); earning changed to 8x Chase Travel, 4x flights and hotels booked direct, 3x dining, 1x everything else (the old 3x general travel/transit and 10x Chase Dining are gone, so Uber, transit, rental cars, cruises and OTA bookings earn 1x); Chase Travel redemptions fell from a flat 1.5 cents to 1 cent per point with Points Boost up to 2 cents on select bookings. The card still transfers 1:1 to Hyatt (unaffected by the 2026 4:3 change to Sapphire Preferred/Ink Preferred). 2026 additions: The Edit $500 credit began Jan 1, 2026; $250 select Chase Travel hotels credit through Dec 31, 2026; DFW and LAX Sapphire Lounges; Marriott Gold registration July 1 - Sept 30, 2026. Time-limited perks: IHG Platinum through 12/31/2027; StubHub credit through 12/31/2027; Lyft $10/month + 5x through 9/30/2027; Peloton $10/month + 10x through 12/31/2027; Apple TV/Music activation by 6/22/2027; DashPass/DoorDash promos activation by 12/31/2027. Many credits are calendar-half or monthly and require activation, so realistic value is well below the ~$3,000 headline. 2026-10-01: new $15/month DoorDash credit on any order added (Kudos blog, Sept 2026); the two $10 non-restaurant promos and DashPass continue.

Verified 2026-09-07 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7