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Chase Sapphire Reserve®

Earns Ultimate Rewards Counts Toward 5/24 Keeper Card

Welcome Offer

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How to Earn Rewards

8x Total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually

4x Total points on flights and hotels booked direct

3x Points on dining worldwide

1x Point per $1 spent on all other purchases

Bonus 10x Additional points when checking out with Paze at participating online merchants (up to $1,500 in purchases per month = 15,000 bonus points/month). Promo runs 5/1/2026 – 12/31/2026.

Key Benefits

Tap any benefit to see details.

$300 Annual Travel Credit

Receive an automatic statement credit for travel purchases each cardmember anniversary year.

$120 Trusted Traveler Credit

Fee credit for Global Entry or TSA PreCheck® application every 4 years.

Airport Lounge Access (Sapphire + Priority Pass + 2 Guests)

Access to Sapphire Lounges and Priority Pass™ lounges for you and 2 guests. One of the few remaining premium cards offering 2 free guest entries — most competitors have curtailed this.

DashPass Subscription + $25/Month DoorDash Credit (Through Dec 31, 2027)

Complimentary DashPass membership ($120/yr value) plus $25/month in DoorDash credits ($300/yr) — up to ~$420/yr total value. Available through December 31, 2027.

$120/yr Lyft Credits

$10 in Lyft credits applied to your account each month.

$500 Annual Hotel/Resort Credit (The Edit Collection)

Up to $500 in annual statement credits ($250 twice per year) for prepaid bookings of 2+ nights through The Edit, Chase's luxury hotel booking platform.

$250 Credit for Select Chase Travel Hotels in 2026

$250 statement credit for IHG Hotels & Resorts, Montage Hotels & Resorts, Pendry Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Minor Hotels, and Pan Pacific Hotels and Resorts booked through Chase Travel in 2026.

$300 Annual Dining Credit (Sapphire Reserve Exclusive Tables)

$150 in statement credits every six months (max $300/year) for dining at restaurants that are part of Sapphire Reserve Exclusive Tables (via OpenTable).

$250 Annual Apple Subscriptions (Apple TV+ and Apple Music)

Complimentary Apple TV+ and Apple Music subscription (~$250/year value combined). Available through 6/22/27.

$300 Annual StubHub/viagogo Credits

$150 in statement credits delivered biannually (max $300/year) for StubHub or viagogo purchases. Available through 12/31/27.

$120/yr Peloton Credits

$10 in statement credits each month on eligible Peloton memberships.

Comprehensive Travel & Purchase Protections

Includes Car Rental CDW, baggage delay insurance, emergency evacuation and transportation, emergency medical and dental benefit, extended warranty, lost luggage reimbursement, purchase protection, return protection, roadside assistance, travel accident insurance, trip cancellation/interruption insurance, and trip delay reimbursement.

Chase Ultimate Rewards Transfer Partners + Points Boost

Transfer points 1:1 to 14+ Chase travel partners (including World of Hyatt plus Air Canada Aeroplan, British Airways Avios, Singapore KrisFlyer, United MileagePlus, Southwest Rapid Rewards, JetBlue TrueBlue, Air France KLM Flying Blue, and more). Points Boost feature can deliver up to 2x point value on select flight and hotel redemptions through Chase Travel.

Katie's Take

Why this card might (or might not) be right for you.

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The annual fee is high but if you can use the credits/coupons — you'll come out ahead! But if they don't match your typical spending, this might not be a great card for you. Here are the key "coupons" to consider:

- $300 travel credit annually (easy to use!)
- Complimentary Apple TV+ and Apple Music through 6/22/27
- $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- $150 in statement credits every six months (for a maximum of $300 annually) for Stubhub or viagogo on purchases through 12/31/27
- A total of $25 per month (in 3 credits) for DoorDash + complimentary access to DashPass which unlocks $0 delivery fees and lower service fees (through December 31, 2027).
- Extra $250 hotel credit in 2026 for Select Hotels (See Map below for how to maximize)

Use our benefits calculator at the bottom of this article to see if it makes sense for you!

This is one of the few cards that still gives you access to Priority Pass experiences (restaurants were discontinued as of July 1, 2024). Most other cards just give access to the lounges but if you frequent an airport with a Priority pass experience, this benefit can be worth a lot to you! It also gives access to a growing network of Sapphire Lounges. And is one of the few remaining cards to give access to the cardholder plus 2 guests.

The travel credit is also very easy to use which is a huge plus.

Lounge Access Details

Networks Included

Priority Pass Chase Sapphire Lounges Other

Priority Pass Scope

Lounges + Experiences

Guest Access

2 guests at Sapphire lounges; 2 guests at Priority Pass lounges (Experiences included); 1 guest at Air Canada Maple Leaf lounges/Cafes

Authorized Users

Paid $195 per AU

Includes access to select Air Canada Maple Leaf lounges and Air Canada Cafes in the US (LAX, SFO, LGA), Canada, and Europe when flying any Star Alliance partner. "other" network = Air Canada Maple Leaf.

Benefits Calculator

What's the Chase Sapphire Reserve® worth to you? Get a personalized estimate.

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Chase Sapphire Reserve® Benefits Calculator

Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.

$300 Annual Travel Credit Receive an automatic statement credit for travel purchases each cardmember anniversary year.

$120 Trusted Traveler Credit Fee credit for Global Entry or TSA PreCheck® application every 4 years. ($120 every 4 years = $30/yr)

DashPass Subscription + $25/Month DoorDash Credit (Through Dec 31, 2027) Complimentary DashPass membership ($120/yr value) plus $25/month in DoorDash credits ($300/yr) — up to ~$420/yr total value. Available through December 31, 2027.

$120/yr Lyft Credits $10 in Lyft credits applied to your account each month.

$500 Annual Hotel/Resort Credit (The Edit Collection) Up to $500 in annual statement credits ($250 twice per year) for prepaid bookings of 2+ nights through The Edit, Chase's luxury hotel booking platform.

$250 Credit for Select Chase Travel Hotels in 2026 $250 statement credit for IHG Hotels & Resorts, Montage Hotels & Resorts, Pendry Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Minor Hotels, and Pan Pacific Hotels and Resorts booked through Chase Travel in 2026.

$300 Annual Dining Credit (Sapphire Reserve Exclusive Tables) $150 in statement credits every six months (max $300/year) for dining at restaurants that are part of Sapphire Reserve Exclusive Tables (via OpenTable).

$250 Annual Apple Subscriptions (Apple TV+ and Apple Music) Complimentary Apple TV+ and Apple Music subscription (~$250/year value combined). Available through 6/22/27.

$300 Annual StubHub/viagogo Credits $150 in statement credits delivered biannually (max $300/year) for StubHub or viagogo purchases. Available through 12/31/27.

$120/yr Peloton Credits $10 in statement credits each month on eligible Peloton memberships.

Your Total Annual Value

Annual Fee: annual_fees

Your Net Value / Cost

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

View History Hide

Offer	Spend Req.	Date
150,000 PointsCurrentElevated	$6,000 in 3 months	Present (launched April 30, 2026; HIGHEST EVER)
60,000 Points	Standard spend req	Long-running historical standard (post-2016 launch)
100,000 PointsElevated	Standard spend req	Launch offer 2016
100,000 PointsElevated	Standard spend req	Ended 2019
80,000 PointsElevated	Standard spend req	Public online offer December 2022
75,000 Points	Standard spend req	Ended June 2024
100,000 Points + $500 Chase TravelElevated	Standard spend req	Relaunch offer July - late August 2025
125,000 PointsElevated	$6,000 in 3 months	Standard August 2025 - April 2026