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.

Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.

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 117 for hotels — $8.00 per $100
• #1 of 117 for Airbnb and vacation rentals — $8.00 per $100
• #2 of 117 for flights — $8.00 per $100
• #2 of 117 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 2026-11. 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 — up to $75,000 per claim · how it works on this card
• Purchase protection — up to $10,000 per claim, 120 days · how it works on this card
• Extended warranty · how it works on this card
• Trip delay · how it works on this card
• Trip cancellation · how it works on this card
• Baggage · how it works on this card
• Priority Pass lounges · how it works on this card
• Global Entry / TSA PreCheck · how it works on this card
• Hotel elite status · how it works on this card
• Roadside assistance · how it works on this card
• Concierge · how it works on this card

What the issuer lists besides rewards

• $300 annual travel credit, applied automatically
• Up to $300 annual dining credit, released in two halves
• No foreign transaction fees
• Priority Pass Select membership and Chase Sapphire Lounge access, with up to two guests
• Global Entry, TSA PreCheck or NEXUS application fee credit of up to $120 every four years
• IHG One Rewards Platinum Elite status through 31 December 2027
• Primary rental car collision cover, up to $75,000 for theft and collision damage, in the U.S. and abroad
• Trip cancellation and interruption insurance up to $10,000 per covered traveler and $20,000 per trip
• Trip delay reimbursement up to $500 per covered traveler for a delay of more than 6 hours or an overnight stay
• Lost luggage reimbursement up to $3,000 per covered traveler
• Purchase protection up to $10,000 per item for 120 days after you buy
• Extended warranty adds a year to manufacturer warranties of three years or less
• Visa Infinite Concierge, 24 hours a day
• Roadside assistance covered up to $50 per incident, four times a year

Similar cards

• Chase Sapphire Reserve for Business — annual fee $795 a year
• American Express Business Platinum Card — annual fee $895 a year
• American Express Platinum Card — annual fee $895 a year
• Citi Strata Elite — annual fee $595 a year
• Every travel card, ranked
• When an annual fee pays for itself
• The best two- and three-card combinations