Is the Chase Sapphire Reserve worth it?
$795 annual fee. $300 travel credit, primary CDW, and Priority Pass + Sapphire Lounge access. The math depends on whether you actually book travel through Chase.
Annual fee
$795
Auto-offsets
$1475
$1475 credits · $0 auto-perks
Net cost
+$680Pays you to hold
Annual credits & free nights
- redeem
$500 Travel Credit
$500
Annual travel credit auto-applied to travel purchases (parking, tolls, rideshares, flights, hotels)
- redeem
Priority Pass Lounge Access
$429
Unlimited Priority Pass Select lounge visits + Chase Sapphire Lounges
- redeem
$300 Exclusive Tables Dining Credit
$300
$150 per 6-month period on OpenTable dining
- redeem
Lyft Pink
$120
Complimentary Lyft Pink membership + 5x points on Lyft rides
- redeem
DashPass Membership
$96
Complimentary DoorDash DashPass (waived delivery fees)
- redeem
Global Entry / TSA PreCheck
$30
$120 credit every 4 years for Global Entry or TSA PreCheck
- redeem
Primary Rental Car Insurance
$0
Primary auto rental collision damage waiver worldwide
- redeem
Trip Delay Insurance
$0
Up to $500/ticket for delays over 6 hours (hotel, meals, essentials)
Earning rates
| Category | Multiplier | Effective return |
|---|---|---|
| hotelsVia Chase Travel portal · forfeits hotel loyalty points & elite status | 10x | 20.00% |
| airlinesVia Chase Travel portal | 10x | 20.00% |
| airlinesBooked directly with airlines | 4x | 8.00% |
| hotelsBooked directly with hotels | 4x | 8.00% |
| dining | 3x | 6.00% |
| travelRideshares, car rentals, tolls, parking, trains | 3x | 6.00% |
| other | 1x | 2.00% |
The honest answer
Auto-offsets exceed the annual fee — the Chase Sapphire Reserve pays you to hold it before you swipe once. Almost always a hold.
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