Chase · credit · $550 annual fee · <p>10X on Chase dining, hotel and car rentals through <a href="https://www.uponarriving.com/chase-travel-portal/">Chase Travel Portal</a></p> <p>10X on Lyft until March 2025</p> <p>5X on airline travel booked through the <a href="https://www.uponarriving.com/chase-travel-portal/">Chase Travel Portal</a></p> <p>3X on all other dining and all other travel</p>. Here's what it earns, what it costs, and whether it's worth it.
World of Hyatt (1:1), United MileagePlus (1:1), Southwest Rapid Rewards (1:1), British Airways (1:1), Singapore KrisFlyer (1:1), Air Canada Aeroplan (1:1)
On a typical US spending profile, the Sapphire Reserve projects to about $1,278 in annual rewards, or roughly $728 after its $550 annual fee. Your real number depends on where you actually spend — and on catching the credits and bonuses most people forget. WalletFlo tracks all of it automatically.
Approval is generally easier with a score of 720 or higher. Approval also depends on income, existing accounts, and issuer rules.
It charges $550 a year. Its recurring credits alone are worth about $360 if you use them. Use the annual-fee calculator to check for your situation.
See what your real wallet is actually earning — and what you're leaving on the table.
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