Card economics
Chase Sapphire Reserve
Annual fee
$795/yr
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| 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
Fee calculator
Sticker Fee
$795/yr
Credits
-$330
Effective Fee
$465
Credits & Benefits
Max: $300/yr · annual
Very broad: covers gas, tolls, parking, transit, Airbnb, hotels, flights, and more. Auto-applied.
Max: $120/yr · 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
Up to $420/year in stated value: complimentary DashPass plus monthly DoorDash restaurant and non-restaurant promos. Enrollment required.
Max: $500/yr · semiannual
$250 semiannually ($500/yr) on prepaid hotel bookings via The Edit by Chase Travel. 2-night minimum applies.
Max: $300/yr · semiannual
$150 semiannually ($300/yr) at Sapphire Reserve Exclusive Tables restaurants only.
Max: $300/yr · semiannual
$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: $288/yr · annual
Complimentary Apple TV and Apple Music subscriptions through 6/22/2027 - a $288/year value. Requires activation.
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.
Catalog record last reviewed Aug 2, 2026. 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.
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