Chase
Sapphire Reserve
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Card review
Sapphire Reserve
Chase
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$550
Welcome bonus
60,000 pts welcome offer
Est. net value
$1,232/yr
Credit score
Good
Top earn rate
20% travel
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Sapphire Reserve from Chase carries a $550 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $732.60 in rewards plus $1,049.00 in credits and perks — $1,231.60 net per year before welcome bonuses.
How the points work
10X on Chase dining, hotel and car rentals through Chase Travel Portal
10X on Lyft until March 2025
5X on airline travel booked through the Chase Travel Portal
3X on all other dining and all other travel
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| TravelHotels | 20% |
| TravelFlights | 10% |
| DiningDining | 6% |
| TravelTravel | 6% |
| GroceriesGroceries | 2% |
| GasGas & Transit | 2% |
| EntertainmentStreaming | 2% |
| Everything elseShopping | 2% |
| Everything elseOther | 2% |
Welcome offer
60,000 points
- Spend $4,000 in 90 days
- Est. value: $1,260 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Annual Travel Credit$300/yr
Automatic statement credit on first $300 in travel purchases each year
- DoorDash Credit$60/yr
$5/mo DoorDash credit
Benefits & perks
- Lounge Access$469/yr
Unlimited Priority Pass Select lounge access worldwide.
- Global Entry / TSA PreCheck$100/yr
Statement credit for Global Entry ($100) or TSA PreCheck ($85).
- DoorDash DashPass$120/yr
Complimentary DoorDash DashPass membership — free delivery and reduced service fees.
Transfer partners
Where this card's points can go, and at what ratio. 6 partners.
- World of Hyatt1:1
- United MileagePlus1:1
- Southwest Rapid Rewards1:1
- British Airways1:1
- Singapore KrisFlyer1:1
- Air Canada Aeroplan1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$550
- Stated credits
- +$360
- Perks (est.)
- +$689
- Net after credits & perks
- $499
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- We flag 720+ as a typical starting point — issuer approval depends on your full profile.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $550 per year.