Is the Chase Sapphire Reserve worth it?
13 credits worth $3,143 at face value against a $795 fee. Turn off what you won’t use and the number at the bottom is your answer.
YOUR CARD
YOUR FEE
$795
Statement and merchant credits13 OF 13 ON
SET ALL TOThen change any row.
Whoop Membership Credit$359 / Calendar Year face
$/yr
Travel Credit$300 / Cardmember Year face
$/yr
The Edit Hotel Credit$500 / Calendar Year face
$/yr
Exclusive Tables Dining Credit$150 / Every 6 Months face
$/yr
StubHub Credit$150 / Every 6 Months face
$/yr
Lyft Credit$10 / Monthly face
$/yr
DoorDash Credit$35 / Monthly face
$/yr
Peloton Credit$10 / Monthly face
$/yr
Chase Travel 2026 Hotel Brands Credit$250 / Calendar Year face
$/yr
Apple TV+ Subscription Credit$15 / Monthly face
$/yr
Apple Music Subscription Credit$12 / Monthly face
$/yr
DashPass Benefit$10 / Monthly face
$/yr
Global Entry / TSA PreCheck Credit$120 / Every 4 Years face
$/yr
Credits subtotal$2,829/yr
Additional benefitsWhat are these worth to you? We will not guess, because a lounge is worth a lot to someone who flies weekly and nothing to someone who does not.
LOUNGE ACCESS
Chase Sapphire Lounge Access
$/yr
Priority Pass Select (No Restaurants)
$/yr
Air Canada Lounge Access
$/yr
YOUR VERDICT
Credits at your values$2,829
Annual fee−$795
You come out ahead by$2,034
356% RETURN ON THE FEE
HOW YOU GOT HEREEverything set to 90% of face, 3 perks still unpriced, so this is a floor.