Is the Chase Sapphire Reserve worth the $795 annual fee?

For travelers and diners who take advantage of The Edit hotel credit ($500/yr), Exclusive Tables dining credit ($300/yr), Apple subscriptions ($288/yr), and lounge access, the Chase Sapphire Reserve can deliver over $795 in annual value. It is best suited for people who dine out frequently and travel several times a year.

What are the best benefits of the Chase Sapphire Reserve in 2026?

Top benefits include $500 The Edit hotel credit, $300 Exclusive Tables dining credit, complimentary Apple TV+ and Apple Music ($288/yr value), Priority Pass and Chase Sapphire Lounge access, 3x points on dining, up to 8x on travel through Chase portal, and 1.5x point value when redeeming through Chase Travel.

How many Ultimate Rewards points do you earn with the Chase Sapphire Reserve?

The Chase Sapphire Reserve earns 3x Ultimate Rewards points on dining, 4x on flights and hotels booked direct (or 8x through Chase Travel portal), and 1x on all other purchases. Points are worth 1.5 cents each through the Chase portal or approximately 2 cents each when transferred to airline and hotel partners.

Chase Sapphire Reserve vs Amex Platinum: which is better?

The Reserve ($795/yr) is generally better for frequent diners thanks to 3x on dining and the $300 Exclusive Tables credit. The Amex Platinum ($895/yr) is better for frequent flyers who value Centurion Lounges and 5x on flights. Both offer strong lounge access and hotel perks.

What is the Chase Sapphire Reserve annual fee for 2026?

The Chase Sapphire Reserve has a $795 annual fee as of 2026. With over $1,000 in annual credits and strong point earning rates, many cardholders find the fee is more than offset by the benefits.

Is the Chase Sapphire Reserve Worth It? (2026 Calculator)

1

Your Monthly Spending

Dining $500

$0$3,000/mo

Earns 3x Ultimate Rewards points

Flights (booked direct) $400

$0$5,000/mo

Earns 4x Ultimate Rewards points

Hotels (booked direct) $200

$0$5,000/mo

Earns 4x Ultimate Rewards points

Everything else $2,000

$0$15,000/mo

Earns 1x Ultimate Rewards point

I book flights/hotels through Chase Travel portal

Earns 8x on flights and 8x on hotels via Chase Travel (vs 4x direct)

2

Which Benefits Will You Use?

Toggle the benefits you would realistically take advantage of.

The Edit Hotel Credit

Up to $500/yr for luxury hotel bookings ($250 max per transaction)

$500

Exclusive Tables Dining Credit

Up to $300/yr at Sapphire Reserve partner restaurants

$300

Apple TV+ & Apple Music

Complimentary subscriptions (worth ~$288/yr, through June 2027)

$288

Global Entry / TSA PreCheck

$120 every 4 years ($30/yr value)

$30

Sapphire Lounges + Priority Pass

Chase Sapphire Lounges + 1,300+ Priority Pass lounges

visits/yr x $40

Trip Delay/Cancellation Insurance

Up to $500 per trip for delays, $10k for cancellation

~$100

1.5x Redemption via Chase Portal

Points worth 50% more when redeemed through Chase Travel

Included

Your Personalized Results

Value vs. $795 fee 0%

Total Annual Value

$0

Annual Fee

$795

Net Value

$0

Benefit	Annual Value
Total Value	$0
Annual Fee	-$795
Net Value	$0

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Is the Chase Sapphire Reserve Worth It in 2026?

The Chase Sapphire Reserve is one of the top premium travel credit cards available, with a $795 annual fee and a rich set of travel and dining perks. For people who dine out regularly and travel a few times per year, it can comfortably justify its fee -- but it is not the right card for everyone.

Who Benefits Most from the Sapphire Reserve?

The card is ideal for frequent diners and travelers. It earns 3x points on all dining (one of the highest rates in the industry), 4x on flights and hotels booked directly, and up to 8x when booked through the Chase Travel portal. If you spend heavily on dining and travel, the points alone can deliver hundreds of dollars in value.

Key Credits That Offset the $795 Fee

The Sapphire Reserve packs significant annual credits:

$500 The Edit hotel credit for luxury hotel bookings, with a $250 cap per transaction
$300 Exclusive Tables dining credit at participating partner restaurants
$288 Apple subscriptions covering Apple TV+ and Apple Music (through June 2027)
$30/yr Global Entry/TSA PreCheck credit, making airport screening faster

That adds up to over $1,100 in credits before considering lounge access or point earnings.

Chase Sapphire Reserve vs. Amex Platinum

Both cards compete for the top spot in premium travel cards. The Reserve ($795/yr) is generally the better pick if you value dining rewards -- it earns 3x on dining compared to the Platinum's 1x. The Amex Platinum ($895/yr) has the edge in lounge access with exclusive Centurion Lounges and earns 5x on flights vs. the Reserve's 4x. Your choice depends on whether dining or airport luxury is more important to your lifestyle.

When the Chase Sapphire Reserve Is NOT Worth It

If you cook at home most nights, rarely travel, and would not use the hotel or Apple credits, the $795 fee is hard to justify. Consider the Chase Sapphire Preferred ($95/yr) for lighter travelers who still want transfer partners, or a no-annual-fee cashback card if you want simplicity.

Last updated: February 2026. Data is approximate and may not reflect the most current card terms. Check the issuer's website for the latest details. Point values estimated at 2.0 cents per Ultimate Rewards point (or 1.5cpp via Chase portal).