# Chase Sapphire Reserve® Credit Card

> Earn up to 8x on flights and 8x on hotels. $3,060+ in statement credits per year. $795 annual fee.

Canonical page: https://cardstack.money/cards/chase-sapphire-reserve-credit-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Chase
- Network: Visa
- Annual fee: $795
- Rewards program: Ultimate Rewards (https://cardstack.money/programs/chase-ultimate-rewards.md)
- Total statement credits value: $3,060 per year
- Net value after annual fee: +$2,265 per year (credits value minus fee)
- Welcome offer: 100,000 Ultimate Rewards points after you spend $6,000 in the first 3 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 3x | Dining |  |
| 8x | Flights | Travel Portal Only |
| 4x | Flights |  |
| 8x | Hotels | Travel Portal Only |
| 4x | Hotels |  |
| 8x | Travel | Travel Portal Only |
| 5x | Lyft transit |  |
| 1x | All other purchases | Base earn rate |

## Statement credits

### The Edit Credit - $500/yr ($250 semi-annual)

Prepaid hotel stays of 2+ nights at curated The Edit properties through Chase Travel.

- Resets: Jan–Jun / Jul–Dec
- Where to redeem: The Edit by Chase Travel – 2-night minimum stay required
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-credit-card-the-edit-credit.md

### Annual Travel Credit - $300/yr ($300 annual)

Any travel purchase including flights, hotels, rideshares, parking, and tolls.

- Resets: Card anniversary year
- Where to redeem: Automatically applied to travel purchases
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-credit-card-annual-travel-credit.md

### Dining Credit - $300/yr ($150 semi-annual)

Dining at Sapphire Reserve Exclusive Tables restaurants. Credits apply automatically.

- Resets: Jan–Jun / Jul–Dec
- Where to redeem: Sapphire Reserve Exclusive Tables partner restaurants
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-credit-card-dining-credit.md

### Entertainment Credit - $300/yr ($150 semi-annual)

StubHub and viagogo ticket purchases (enrollment required).

- Resets: Jan–Jun / Jul–Dec
- Enrollment required: yes
- Where to redeem: StubHub (https://www.stubhub.com), viagogo (https://www.viagogo.com)
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-credit-card-entertainment-credit.md

### Select Hotels Credit - $250/yr ($250 annual)

Prepaid Chase Travel bookings at IHG, Omni, Montage, Pendry, Virgin Hotels, Minor Hotels, Pan Pacific (2-night minimum).

- Resets: Calendar year (2026 only)
- Where to redeem: Chase Travel (https://travel.chase.com), IHG Hotels (https://www.ihg.com)
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-credit-card-select-hotels-credit.md

### The Shops Credit - $250/yr ($250 annual)

Purchases through The Shops at Chase after spending $75k annually on your card.

- Resets: Calendar year
- Where to redeem: Qualifying purchases – unlocks after $75k annual card spend
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-credit-card-the-shops-credit.md

### TSA PreCheck/Global Entry - $120/yr ($120 every 4 years)

Application fee for Global Entry, TSA PreCheck or Nexus (every 4 years).

- Resets: Every 4 years
- Where to redeem: Apply at ttp.cbp.dhs.gov or TSA PreCheck enrollment centers
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-credit-card-tsa-precheckglobal-entry.md

### DoorDash Credit - $300/yr ($25 monthly)

Complimentary DashPass membership ($120 value, activate by 12/31/2027) plus $25/month in DoorDash promos: one $5 restaurant promo and two $10 promos for groceries, retail, and more (through 12/31/2027).

- Resets: 1st of each month
- Enrollment required: yes
- Where to redeem: Complimentary DashPass ($120/yr value) + $5 restaurant promo + two $10 non-restaurant promos per month
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-credit-card-doordash-credit.md

### Peloton Credit - $120/yr ($10 monthly)

Up to $10/month on Peloton membership (activation required; through Dec 31, 2027).

- Resets: 1st of each month
- Enrollment required: yes
- Where to redeem: Peloton membership – pay with Sapphire Reserve in Peloton account or app
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-credit-card-peloton-credit.md

### Lyft Credit - $120/yr ($10 monthly)

Up to $10 monthly Lyft in-app credit; added on 1st of each month, unused forfeited (through Sept 30, 2027).

- Resets: 1st of each month
- Where to redeem: Lyft in-app credit (does not apply to Wait & Save, bike or scooter)
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-credit-card-lyft-credit.md

### Southwest Airlines Credit - $500/yr ($500 annual)

Up to $500 Southwest Airlines credit; requires $75,000 or more in spending on card in a calendar year.

- Resets: Calendar year
- Where to redeem: Chase Travel (https://travel.chase.com), Southwest Airlines (https://www.southwest.com)
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-credit-card-southwest-airlines-credit.md

## Featured benefits

- **Air Canada Maple Leaf Lounges & Cafés** (Airport lounge access): Access select Air Canada Maple Leaf Lounges and Cafés in the U.S., Canada, and Europe with a same-day Star Alliance boarding pass; one complimentary guest (additional guests about $59). Some locations excluded.
- **Priority Pass Select** (Airport lounge access): Complimentary Priority Pass Select membership with unlimited visits to 1,300+ lounges worldwide; up to two complimentary guests ($27 each beyond that). Membership is linked to your card (automatic enrollment).
- **Sapphire Lounge Access** (Airport lounge access): Complimentary unlimited access to Chase Sapphire Lounges by The Club with up to two complimentary guests; present your Sapphire Reserve card and eligible same-day boarding pass within three hours of departure.
- **IHG One Rewards Platinum Elite Status** (Hotel status): Complimentary IHG One Rewards Platinum Elite status through 12/31/2027. Link your IHG account in Chase online banking or the Chase app (Card Benefits). Allow up to 3 weeks for activation.
- **Apple TV & Apple Music** (~$288/yr value): Complimentary Apple TV and Apple Music while you're a cardmember. Activate each service once through Chase; promotional bundle running through June 22, 2027, and subject to Apple and Chase terms.

## Other benefits

- **Reserve Travel Designers**: Personalized custom-itinerary booking service valued at up to $300 per trip.
- **The Edit Stay Benefits**: Property credit, daily breakfast for two, room upgrade (when available), and more — average value of $550+ per stay when booked through The Edit by Chase Travel.
- **Points Boost**: Earn up to 2x value when redeeming points for select hotels (including The Edit) and flights through Chase Travel.
- **Auto Rental Coverage (primary)**: Decline the rental company's collision damage waiver and pay with the card; primary coverage up to $75,000 for theft and collision damage on most U.S. and international rentals.
- **Trip Cancellation and Interruption Insurance**: Up to $10,000 per covered traveler and $20,000 per trip for prepaid, non-refundable travel expenses when a trip is canceled or cut short by sickness, severe weather, or other covered situations.
- **Trip Delay Reimbursement**: Up to $500 per covered traveler for unreimbursed expenses (meals, lodging) when common-carrier travel is delayed more than 6 hours or requires an overnight stay.
- **Travel Accident Insurance**: Up to $1,000,000 in accidental death or dismemberment coverage when air, bus, train, or cruise transportation is paid with the card.
- **Lost Luggage Reimbursement**: Up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
- **Baggage Delay Insurance**: Up to $100 per day for 5 days for essential purchases (toiletries, clothing) when baggage is delayed over 6 hours.
- **Emergency Evacuation and Transportation**: Up to $100,000 in coverage when injured or sick on a trip 100+ miles from home that results in emergency evacuation.
- **Emergency Medical and Dental**: Up to $2,500 for medical expenses (subject to a $50 deductible) when sick or injured on a trip 100+ miles from home.
- **Roadside Assistance**: Up to $50 per incident for tow, battery, tire change, locksmith, or fuel; up to 4 times per year.
- **Travel and Emergency Assistance Services**: 24/7 legal and medical referrals plus other travel-emergency assistance (cardmember pays for any goods or services obtained).
- **Purchase Protection**: 120 days of coverage against damage or theft on eligible new purchases, up to $10,000 per item.
- **Return Protection**: Reimbursement for eligible items the store won't accept within 90 days of purchase, up to $500 per item and $1,000 per 12-month period.
- **Extended Warranty Protection**: Adds one additional year on eligible U.S. manufacturer warranties of three years or less.
- **Dedicated Customer Service**: Sapphire Reserve cardmembers receive exclusive access to a dedicated customer service team available 7 days a week.
- **No Foreign Transaction Fees**: No foreign transaction fees on purchases processed outside the U.S.; issuer and network rules still apply.
- **$75k Annual Spend Status Unlocks**: World of Hyatt Explorist status, IHG One Rewards Diamond Elite status, and Southwest Airlines A-List status when you spend $75,000+ in a calendar year; benefits apply for the remainder of that year and through the following calendar year.
- **10x on Peloton Equipment**: Earn 10x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/2027.
- **5x on Lyft Rides**: Earn 5x total points on Lyft rides through 9/30/2027 (in addition to the monthly Lyft credit).


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CardStack automatically tracks the Chase Sapphire Reserve's $3,060 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863