ToolsCard ScoresChase Sapphire Reserve
Every Chase Sapphire Reserve credit — and what each is really worth
MoneyRoom Card Score
7.6/ 10
If you'll keep up with the credits, easily: about $1,533 a year at typical use, against the $795 fee, and what it earns rates near the top of our scale. If you won't, you're paying the fee for credits you'll forget to use.
Data: MoneyRoom card catalog (details pending verification are flagged) · scores update daily · catalog data as of 2026-10-26 (source: creditcards.chase.com) · How we verify
The Reserve is strong on two fronts. It earns 4× on flights and hotels booked directly and 3× on dining, and with each point worth 1.35¢, a typical year of spending earns about 2.5% back. Its credits add up to $2,210 at face value, or $1,533 after our discounts for what people miss. Both push the score up.
What pulls it down to 7.6 is the upkeep. The credits range from a travel credit that applies itself to small monthly Lyft, Peloton and DoorDash credits, and its effort score is 3.7. Whether it's worth it for you depends on how much keeping track you're willing to do.
Credits vs. fee
The $795 fee vs what you get back.
The Chase Sapphire Reserve lists $2,210 in yearly credits and benefits at face value (their full amounts). Using our published assumptions, we estimate a typical cardholder gets back about $1,533. Typical value applies our published discounts for what makes credits easy to miss: deadlines, limits on where you can use them, enrollment (switching a credit on once), and waiting to be paid back.
| Credit / benefit | Resets | Face value / yr | Typical value |
|---|---|---|---|
| $300 annual travel creditTravel | Yearly · cardmember year | $300 | $285 |
| The Edit hotel creditHotel · via Chase Travel | Yearly | $500 | $384 |
| Sapphire Reserve Exclusive Tables dining creditDining | Twice a year | $300 | $216 |
| StubHub / viagogo creditEntertainment · enrollment required | Twice a yearEnrollment required | $300 | $205 |
| Lyft in-app ride creditRideshare | Monthly | $120 | $62 |
| Peloton membership creditFitness · enrollment required | MonthlyEnrollment required | $120 | $59 |
| DoorDash monthly creditDining/grocery · enrollment required | MonthlyEnrollment required | $420 | $207 |
| Global Entry / TSA PreCheck / NEXUS creditTravel | Every 4 years | $30 | $27 |
| Complimentary DashPass (12 months)Partner benefit · enrollment required | Yearly | $120 | $87 |
| 2026 Select Hotels credit (one-time) | One-time — first-year extra, not counted | $0 | |
| Yearly total | $2,210 | $1,533 | |
After the fee, at face value:+$1,415 / yr
After the fee, at typical use:+$738 / yr
The fine print that matters
Why is typical value less than face value?
The credits sort by how much attention they need. The easiest: the travel credit applies itself to your first eligible purchases each card year, with nothing to book or switch on. In the middle: the hotel credit only works through Chase Travel with a two-night minimum, and the dining and StubHub credits are split into two half-years. The hardest: three small monthly credits — Lyft, Peloton, DoorDash — each use-it-or-lose-it, and two of them need to be switched on first.
Two items never count toward the score: the one-time hotel promotion is a first-year extra, and the bundle you unlock by spending a lot needs more spending than most cardholders ever do.
$300 annual travel credit — $285 typical of $300 face
Travel
- Resets yearly × 0.95
The Edit hotel credit — $384 typical of $500 face
Hotel · via Chase Travel
- Resets yearly × 0.95
- Only works at certain places × 0.85
- Paid back after you spend × 0.95
Sapphire Reserve Exclusive Tables dining credit — $216 typical of $300 face
Dining
- Resets twice a year × 0.90
- Only works at certain places × 0.80
StubHub / viagogo credit — $205 typical of $300 face
Entertainment · enrollment required
- Resets twice a year × 0.90
- Only works at certain places × 0.80
- Enrollment required × 0.95
Lyft in-app ride credit — $62 typical of $120 face
Rideshare
- Resets monthly × 0.65
- Only works at certain places × 0.80
Peloton membership credit — $59 typical of $120 face
Fitness · enrollment required
- Resets monthly × 0.65
- Only works at certain places × 0.80
- Enrollment required × 0.95
DoorDash monthly credit — $207 typical of $420 face
Dining/grocery · enrollment required
- Resets monthly × 0.65
- Only works at certain places × 0.80
- Enrollment required × 0.95
Global Entry / TSA PreCheck / NEXUS credit — $27 typical of $30 face
Travel
- Comes every 4 years (counted per year) × 0.95
- Paid back after you spend × 0.95
Earning
What does everyday spending actually earn?
Rewards come as Chase Ultimate Rewards points, which we value at 1.35¢ per point (a middle-of-the-range value). On our published mix of everyday spending, that works out to 2.5% back.
| Category | Rate | After spending caps | Note |
|---|---|---|---|
| Dining | 3× | 3.00× | |
| Groceries | 1× | 1.00× | Base rate |
| Gas | 1× | 1.00× | Base rate |
| Flights booked direct | 4× | 4.00× | |
| Hotels booked direct | 4× | 4.00× | |
| Everything else | 1× | 1.00× |
Not in the score
What does the score leave out?
- Lounge access. Sapphire Lounges and Priority Pass come with the card, and we don't price them. For people who fly a lot, this alone can be worth as much as the credits.
- Moving points to airlines and hotels. We count each Chase point as 1.35¢. Moving points to an airline or hotel program can be worth more, and many people get this card to do exactly that.
- The spending bundle and hotel status. Airline and shopping credits plus hotel status that you unlock by spending a lot in a calendar year. Listed, but left out of typical value.
- The welcome bonus and insurance. First-year money and insurance stay out of a score of a normal year, here as everywhere.
First-year extras, left out of the score: 2026 Select Hotels credit (one-time) ($250).
Credits that need heavy spending, left out of typical value: $75,000 calendar-year spend unlocks: $500 Southwest Airlines credit (Chase Travel) + $250 The Shops at Chase credit.
Listed on the card, never priced:
- $75,000 calendar-year spend unlocks: $500 Southwest Airlines credit (Chase Travel), $250 The Shops at Chase credit, Southwest A-List status, IHG Diamond Elite status, World of Hyatt Explorist status
- Sapphire Lounge access
- Priority Pass Select
- IHG Platinum status
- Complimentary Apple TV+ and Apple Music
- Primary rental car coverage
- Trip cancellation/interruption insurance
- Trip delay reimbursement
- Baggage delay insurance
- Purchase protection
- Lost luggage reimbursement
- Emergency evacuation/travel assistance
- Return protection
- Extended warranty protection
Your own numbers
See if it pays for itself for you.
The score assumes a typical cardholder. The free Annual Fee Calculator loads this card's real credits and fee and lets you enter what you'd actually use — no account needed.
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Questions
Common questions before you apply.
What does the Chase Sapphire Reserve score?
7.6 out of 10: value 10.0, effort 3.7, earning 8.3. Only its effort score keeps it out of the top tier.
Do the credits actually cover the fee?
Yes, with room to spare: we estimate $1,533 a year at typical use, against $795. Use every credit in full and it's $2,210 at face value.
How strong is the earning really?
About 2.5% back on a typical year of spending: 3× on dining and 4× on travel booked directly, with each point worth 1.35¢. Among the cards we publish, only two match it.
Reserve or Sapphire Preferred?
The Preferred wins our scoring: a lower fee, less upkeep, and nearly the same earning. The Reserve wins for people who will really use its bigger credits and its lounges. Both pages use the same math.
When do the Chase Sapphire Reserve credits reset?
Each credit has its own schedule: 3 credits reset monthly, 2 credits reset twice a year, 2 credits reset once a year, 1 credit resets every four years. 1 of them runs on your cardmember anniversary instead of the calendar, so the deadline depends on the date you opened the card. Four-year credits count from when you last used them, not January 1; check when you last used yours and the issuer's terms. Unused amounts don't roll over. See every card's reset calendar.