Card economics
Chase Sapphire Reserve
Annual fee
$795/yr
Foreign transaction fee
None
Some links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Chase Travel - Flights | 8xPortal only |
| Chase Travel - Hotels | 8xPortal only |
| Chase Travel - Rental Cars / Activities | 8xPortal only |
| Flights outside issuer portals | 4x |
| Hotels outside issuer portals | 4x |
| Dining | 3x |
| Other travel outside issuer portals | 1x |
| Travel - Car Rentals / Agencies / Cruises | 1x |
| Everything else | 1xBase rate |
Transfer partners: Chase Ultimate Rewards
Benefits not in the math
Perks whose value depends on how you travel — lounges, free bags, status. The optimizer counts them only when a Premium perk-value profile assigns them a dollar value, once per wallet; with no profile they are worth $0 in every figure.Airport lounge access
Access to Chase Sapphire Lounges by The Club with up to two complimentary guests, plus Priority Pass Select (up to two guests per visit; additional guests are $27 each).
Issuer sourceHotel elite status
Complimentary IHG One Rewards Platinum Elite status through 12/31/2027.
Issuer sourceCounted at $0 unless you assign a value in a Premium perk-value profile.
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$795/yr
Credits
-$330
Effective FeeWhat you actually pay after subtracting credits you use. This is the real cost of holding the card — the number that matters for optimization.
$465
Credits & Benefits
Adjust each credit's value based on how much you'll realistically use. 'Easy' credits are straightforward to use (dining, streaming). 'Conditional' credits may require specific merchants or booking methods.Max: $300/yr · annual
Very broad: covers gas, tolls, parking, transit, Airbnb, hotels, flights, and more. Auto-applied.
Max: $30/yr · counted per year; renews every 4 years
Up to $120 every 4 years for Global Entry or TSA PreCheck application fee (~$30/yr effective). Statement credit.
Max: $420/yr · annual
Chase lists two separate DoorDash benefits: a complimentary DashPass membership (a $120 value for 12 months) and $420/year in promos (up to $35 a month: a $15 promo on any qualifying order plus two $10 promos on groceries and essentials). The maximum here is the $420 in promos alone; the membership value is not added. Activation required by 12/31/2029; promos available through 12/31/2029.
Max: $500/yr · annual
Up to $250 for each prepaid booking with The Edit by Chase Travel, up to $500 per calendar year. Qualifying purchases are pre-paid 'Pay Now' stays of 2 nights or more; the credited portion earns no points.
Max: $300/yr · counted per year; paid twice a year
$150 semiannually ($300/yr) at Sapphire Reserve Exclusive Tables restaurants only. Benefit term runs through 06/30/2030. Check eligibility on OpenTable before booking.
Max: $300/yr · counted per year; paid twice a year
$150 semiannually ($300/yr) on StubHub/viagogo tickets. Benefit runs through 12/31/27.
Max: $120/yr ($10/mo) · monthly
$10/month in Lyft in-app credit. Requires actual Lyft rides. Benefit runs through 9/30/27.
Max: $324/yr · annual
Complimentary Apple TV and Apple Music subscriptions for at least 12 months from activation - a $324/year value per Chase. One-time activation on chase.com or the Chase app is required by 6/22/2027.
Max: $120/yr ($10/mo) · monthly
Up to $10/month on eligible Peloton memberships through 12/31/2027, plus 10x points on Peloton equipment purchases over $150.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Chase Sapphire Reserve might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.