Chase Sapphire Reserve

Is the annual fee worth it?

It earns about $799 a year on the illustrative household's spending, which is $4 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $1,054 a year behind. It pulls ahead of the free card once spending passes about $14,659 a month.

Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

Where it ranks

Against every card in the catalogue, scored in dollars per $100 with no rotating categories switched on:

• #1 of 68 for hotels — $8.00 per $100
• #1 of 68 for Airbnb and vacation rentals — $8.00 per $100
• #2 of 68 for flights — $8.00 per $100
• #2 of 68 for dining out — $6.00 per $100
• #2 of 68 for food delivery — $6.00 per $100

Where a year's rewards come from

Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

Protections and travel benefits

From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.

• Rental car — primary cover
• Purchase protection — up to $10,000 per claim · 120 days
• Extended warranty
• Priority Pass lounges
• Global Entry / TSA PreCheck
• Roadside assistance
• Concierge

What the issuer lists besides rewards

• $300 annual travel credit, applied automatically
• Up to $300 annual dining credit, released in two halves
• Priority Pass Select lounge membership and Sapphire Lounge access
• Global Entry or TSA PreCheck application credit
• Primary rental car coverage and strong trip protections
• No foreign transaction fees
• Purchase protection up to $10,000 per claim for 120 days after you buy
• Extended warranty adds a year to manufacturer warranties of three years or less
• Visa Infinite concierge
• Roadside assistance, up to four service calls a year

Similar cards

• American Express Platinum Card — annual fee $895 a year
• Citi Strata Elite — annual fee $595 a year
• Capital One Venture X — annual fee $395 a year
• American Express Gold Card — annual fee $325 a year
• Every travel card, ranked
• When an annual fee pays for itself
• The best two- and three-card combinations