Fees and rates as stated on creditcards.chase.com on 2026-10-29. Rates, fees and terms change; check the provider's site before you apply or open an account.
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Filed an online claim for a damaged phone through their Sapphire Reserve's protection and got reimbursed without talking to anyone.
“Sent in required paperwork. I did it all online without talking to a single person. Just got confirmation they are sending a check. Fantastic job with Chase and no hassle.”
Moved from cash back to the Sapphire Reserve paired with the Freedom cards; lounge access and transfer partners alone are worth the fee to them, with no regrets.
“The $250 annual fee (after the easy to use $300 travel credit) of the CSR is worth it for me for the lounge access and travel partners alone”
The Sapphire Reserve's new DoorDash and Lyft perks are useless in their rural home town, and they struggle to find reasons to keep it.
“Neither DoorDash nor Lyft is available in my home town.”
Plans to cancel the Sapphire Reserve at renewal after the 2020 changes, using the free DoorDash credit until then.
“Though I'll be sad to cancel my CSR, the only silver lining I can see here is that Chase is giving me a free $60 in doordash before I cancel at my next renewal”
The Sapphire Reserve's fee stopped making sense for them, so they downgraded to the Preferred to keep their points for Hyatt.
“In my case, it was not making much sense and that’s why I downgraded that to CSP to keep my UR points so that I can use with Hyatt as Transfer partner.”
Considered downgrading the Sapphire Reserve but breaks even on it without using every credit, counting the easy travel credit and a subscription credit.
“I was thinking of also downgrading my CSR to CSP since I have a Platinum, but dang I am breaking even with the CSR without even using all the credits.”
The refreshed Sapphire Reserve earns them more, with 4x on flights, so they plan to cancel their Amex Platinum.
“For me, the new CSR puts more points and cash in my pocket.”
After fraud on their Sapphire Reserve, Chase shipped a replacement right away, but delivery still took four days.
“Recently had some fraud happen to my card and Chase “overnighted” me a replacement for my Sapphire Reserve (via UPS) but it took a total of four days”
Dislikes that Sapphire Reserve point values are no longer predictable and mostly uses it for its credits, though offsetting the fee takes little effort.
“I wouldn't say I love the CSR at all - I hate that point values are no longer predictable”
Chose the Sapphire Reserve over the Amex Platinum because one card covers both travel and dining, so they use it every day.
“Having travel and dining multipliers on one card was convincing enough for me over Amex Platinum without taking any credits into consideration.”
Finds the Sapphire Reserve's credits easy to use because they already use Lyft and go to live events often.
“Interesting, yeah for me personally the CSR credits are easier to work in, especially since I use Lyft often and go to live events a decent amount through the year”
Holds the Reserve, Venture X and Platinum; the Sapphire Reserve gets the most use thanks to its dining category, and they find Chase points the most useful.
“CSR sees the most use for me as an actual credit card, due to their reward categories (dining is my biggest spend).”
Very happy with the Sapphire Reserve plus Freedom Unlimited; uses its Lyft, DoorDash and Instacart perks and finds Chase's portal great value.
“The CSR is still very much worth it as I use lyft, doordash, and instacart regularly.”
Chose the Sapphire Reserve for Chase's points and transfer partners, its travel protections and the DoorDash and Lyft perks they already use.
“I like the floor of 1.5 cents per point on my points. I really like the travel protections.”
Dropped the Sapphire Reserve after one year: they disliked Chase's travel portal and prefer Capital One's.
“I ditched my CSR after one year and never looked back. Didn't like the portal”
Uses up the Sapphire Reserve's $300 travel credit within months without travelling much, and roughly breaks even on the card.
“My $300 credit is gone within a few months, and I’m not a super frequent traveler.”
Chose the Sapphire Reserve for Sapphire lounges at their usual layover airports, Hyatt transfers and DashPass, which they were already paying for.
“Free DashPass membership and $5 monthly credit (was already paying for this before I got the CSR”
Transferred Freedom points to the Sapphire Reserve and they showed at the lower rate; customer service said they qualified for 1.5x and opened a ticket.
“However, customer service assured me they are eligible for 1.5x but that it should take 24-48 hours to update. He also stated he opened a ticket for me regarding this.”
Uses the Sapphire Reserve's monthly DoorDash credit for a Target grocery delivery, picking delayed delivery so they usually pay only the tip.
“I get milk and eggs delivered from target every month with my CSR.”
Still enjoys the Sapphire Reserve with the Freedom cards and uses it enough to justify the higher annual fee for now.
“Even with the CSR changes, I think I utilize it enough for the AF increase. Whether I continue after the next year remains to be seen.”
Pairs the Sapphire Reserve with a Freedom Unlimited for daily spending; losing 3x on all travel in the refresh moved some spending off the Reserve.
“I've been rocking that combo of CSR plus CFU for a while now and it's been pretty good for most of my daily spending.”
Books hotels on Expedia with the Sapphire Reserve, earning 3x as travel at prices usually below the card portals.
“FWIW, for hotels I use a CSR and book through Expedia 3x points for the travel category which Expedia falls under”
Has had the Sapphire Reserve for years but its value is slipping for them: a higher fee, fewer perks they use, and lounge and DoorDash changes.
“I've had mine for years, and also considering downgrading to a freedom, then getting a CSP. It's value just isn't holding up the way it used to for me personally.”
Upgraded to the Sapphire Reserve after using the Preferred since 2021, after working out its better redemption rate would have saved them points on recent flights.
“I just upgraded to the reserve last week after using the preferred since late 2021.”
Downgraded the Sapphire Reserve and replaced it with the Preferred plus a Venture X, keeping lounge access and travel credits for a lower total annual fee.
“I downgraded my CSR to CSP and the Venture X.”
Finds the Sapphire Reserve's DoorDash credit genuinely useful, ordering small grocery runs every two weeks thanks to the low order minimum.
“I have CSR..so I have been ordering milk, water, some groceries from my nearby Aldi or Target once every 2 weeks.”
Upgraded from the Preferred to the Sapphire Reserve after a year; the travel credit and DashPass credits alone cover the annual fee for them.
“I had the CSP and upgraded to the CSR after a year. Between the $300 travel credit and Dash Pass credits, the card pays for itself in a year”
Kept the Sapphire Reserve for 3x on all travel; with that gone they're downgrading it to the Preferred.
“CSR was for 3x all other travel, but dropping that killed the card for me.”
Used the Sapphire Reserve for about 70 purchases over 16 days in Japan with no problems at restaurants, taxis or stores.
“I had absolutely 0 issues with my CSR in Japan. 12 days in Tokyo, 4 days in Osaka. All restaurants, taxis, department stores, etc (and DisneySea) were fine.”
Wishes the Sapphire Reserve gave more, but still gets far more value from it than from any other card they have.
“I wish I got more value from my CSR, sure. But I *unquestionably* get far more value out of it than any other card”
Held the Sapphire Reserve for over eight years, then downgraded it this year because the new Amex Platinum suits them better.
“I downgraded from reserve to preferred this year after holding the CSR for 8+ years bc the new Amex plat is so much better (for me).”
After fraudulent charges appeared on their Sapphire Reserve, Chase refunded the money as soon as they flagged it.
“Anyway Chase to their credit refunded me the money immediately after i flagged them”
Keeping the Sapphire Reserve for one more year, but the refreshed benefits don't do much for them unless they go out of their way to use them.
“My CSR will renew before the October refresh date so I'll hang on for one year and see how it is but the increased benefits don't do much for me”
Got great value redeeming points through Chase's travel portal at the 1.5x bonus, and finds the transfer partners too restrictive for how they travel.
“People are saying never use points in the portal but with the 1.25 or 1.5x bonus it was a great redemption value for me.”
Finds the Sapphire Reserve close to perfect for them, but wishes hotel and dining credits were easier to use and that it earned 3x on gas and groceries.
“I currently have the Chase Sapphire Reserve, and it is both close to perfect for me and close to $1000 lol.”