Chase Sapphire Reserve: every credit, verified and dated

Is it actually worth $795? Find yourself below.

The annual fee is $795. Whether the card pays for itself depends entirely on which credits you'd genuinely use. Here are three honest scenarios — not the biggest number we could print.

We didn't round any of these up. The credits, dollar values, and conditions all come straight from the verified table below.

The verified benefits

All documented benefits, grouped by type. Dollar values are annual unless noted. Time-boxed credits show their expiration in the row. The "How to use it" column is blank where Chase doesn't specify a particular trigger.

Dollar-denominated annual credits

Spend-gated tier — requires $75,000/year in spending

Protections & access (no fixed dollar value)

"View source" links point to Chase's main Sapphire Reserve benefits page. Per-benefit source links are planned as our underlying data structure expands.

Five things the affiliate sites won't emphasize

1. 1. The 2027 cliff.

   Several headline credits are time-boxed: Apple Music and Apple TV+ through June 2027, Lyft through September 2027, Peloton and StubHub through December 2027. Chase may renew them, modify them, or let them lapse. Don't buy the card today assuming these are permanent — buy it for the credits that aren't on a timer. The $300 annual travel credit, the $300 Exclusive Tables dining credit, and the protection suite have no stated expiration.

2. 2. The Edit hotel credit has traps.

   The $500 Edit credit starts January 1, 2026, caps at $250 per transaction, and requires a two-night minimum stay. Book a single-night trip and you forfeit half of it. It's real value, but only if your travel happens to fit Chase's shape.

3. 3. The DoorDash maze resets monthly.

   There's roughly $420 of DoorDash-adjacent value — $60 restaurant credit, $240 in non-restaurant promos, and a $120 DashPass subscription — but it all resets every month. An unused month is gone forever. This is only worth real money if you already order DoorDash regularly.

4. 4. Global Entry is not an annual credit.

   The application-fee credit is up to $120 once every four years — about $30 a year when you spread it out. We count it as $30, not $120, and you should too when you do your own math.

5. 5. The best perks are locked behind $75,000 of spending.

   The Southwest credit, the Shops at Chase credit, and the airline/hotel elite statuses all require $75,000 in annual spend. For most cardholders that's out of reach, so we keep this tier out of the headline value rather than pad the number.

What we left out of the table — and why

• Insurance benefits. The card carries an extensive protection suite (auto rental, trip cancellation, baggage, evacuation, purchase and return protection). We exclude these from the value math because they only pay out when something goes wrong — real protection, but not money you can count on every year.
• Lounge access. Priority Pass, Chase Sapphire Lounges, and partner lounges have genuine value, but it varies so much by how often you fly that any single dollar figure would be misleading. We'd rather say nothing than invent a number.
• Points and earn rates. This page is about statement credits, not rewards earning. Points Boost and category multipliers deserve their own honest analysis, which we're not going to fake here.
• The spend-gated tier. The $75,000-spend benefits are only relevant to a small subset of cardholders, so we keep them out of the headline value rather than let them inflate it.

How we verified this

Every benefit on this page was checked against Chase's own published Sapphire Reserve benefits page — not against affiliate roundups, press coverage, or our own memory. Where Chase states a dollar figure, cycle, or condition, that's what we recorded; where Chase is silent, we left the cell blank rather than guess. We earn no affiliate revenue from this card, which means we have no financial reason to make it look better than it is. Read our full method and why we don't take commissions on our methodology page →.