Enter your real monthly spending and tick only the credits you'd genuinely use. We'll do the math — $95 fee vs $795 fee, points and credits included.
The Reserve's $795 fee only works if you use its credits. Be honest.
Points valued at 1.25¢ (Preferred) and 1.5¢ (Reserve) toward travel. Card details refresh automatically from chase.com. Not financial advice — your redemption values will vary.