Chase Sapphire Reserve
Chase · Premium review
Frequent travelers who will work the post-June-2025 credit stack: the $300 travel credit (auto-applies to any travel), u
Sorted by score, never commission
Annual fee
$795
Charged each renewal year
Ongoing APR
22.49% – 29.49% variable
Variable — verify the current range at the issuer
Foreign transaction fee
None
Travel-friendly abroad
As of July 9, 2026
Best for
Frequent travelers who will work the post-June-2025 credit stack: the $300 travel credit (auto-applies to any travel), up to $500 in 'The Edit' hotel credits, $300 Sapphire Exclusive Tables dining, $300 in StubHub/viagogo credits, ~$120 Peloton, plus Lyft and Apple perks, Priority Pass, and automatic IHG One Rewards Platinum status. At high utilization the $795 AF clears — and transferring Ultimate Rewards to Hyatt or United is the upside on top.
Not for
Anyone who can't reliably capture the layered credits — most are semi-annual, category-locked (hotels via The Edit, dining via Exclusive Tables, StubHub events), and expire if unused. If you won't chase $1,500+ in coupon-book credits across the year, the $795 AF math collapses fast, and the Sapphire Preferred's $95 AF gets you most of the transferable-points value.
The catch
The June 2025 refresh more than doubled the credit headline but broke it into narrow, semi-annual buckets — hotel spend only counts through The Edit, dining only at Exclusive Tables restaurants, and the StubHub/Peloton/Lyft credits each carry their own rules and expiry. The $300 travel credit and IHG Platinum status are the only frictionless benefits; everything else is utilization you have to earn. Score the $795 AF against realistic capture, not the stated stack.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $795
- Ongoing APR
- 22.49% – 29.49% variable
- Foreign transaction fee
- None
- Balance transfer fee
- $5 or 5%
- Late payment fee
- Up to $40
- Schumer Box verified
- July 9, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Frequently asked
Is the Chase Sapphire Reserve's $795 annual fee worth it?
The Chase Sapphire Reserve charges a $795 annual fee. In our review it earns a fees score of 11/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Frequent travelers who will work the post-June-2025 credit stack: the $300 travel credit (auto-applies to any travel), up to $500 in 'The Edit' hotel credits, $300 Sapphire Exclusive Tables dining, $300 in StubHub/viagogo credits, ~$120 Peloton, plus Lyft and Apple perks, Priority Pass, and automatic IHG One Rewards Platinum status. At high utilization the $795 AF clears — and transferring Ultimate Rewards to Hyatt or United is the upside on top.
What APR does the Chase Sapphire Reserve charge?
22.49% – 29.49% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Chase Sapphire Reserve charge foreign transaction fees?
No. The Chase Sapphire Reserve has no foreign transaction fee, so it works cleanly for purchases abroad.
Who is the Chase Sapphire Reserve best for?
Frequent travelers who will work the post-June-2025 credit stack: the $300 travel credit (auto-applies to any travel), up to $500 in 'The Edit' hotel credits, $300 Sapphire Exclusive Tables dining, $300 in StubHub/viagogo credits, ~$120 Peloton, plus Lyft and Apple perks, Priority Pass, and automatic IHG One Rewards Platinum status. At high utilization the $795 AF clears — and transferring Ultimate Rewards to Hyatt or United is the upside on top.
Who should skip the Chase Sapphire Reserve?
Anyone who can't reliably capture the layered credits — most are semi-annual, category-locked (hotels via The Edit, dining via Exclusive Tables, StubHub events), and expire if unused. If you won't chase $1,500+ in coupon-book credits across the year, the $795 AF math collapses fast, and the Sapphire Preferred's $95 AF gets you most of the transferable-points value.
How did ClearValue score the Chase Sapphire Reserve?
Chase Sapphire Reserve scored 74/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Chase Sapphire Reserve
Other premium cards we've scored, ranked by our methodology.
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- American ExpressNiche / conditional
American Express Platinum
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Fees sourced from issuer terms · 2026-07-09
