Chase Sapphire Reserve Reviews

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Got more than the annual fee back in tangible value within six weeks of opening the Sapphire Reserve.

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Got the card recently in the Midwest and already got more than the annual fee in value.

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Hotel credits with points boost, travel, dining, StubHub and Apple easily exceed the fee.

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After the refresh they get more value from the Sapphire Reserve than the Preferred, mainly from the dining, travel and The Edit credits.

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Finds the refreshed Sapphire Reserve easier than ever to get value from, even though it is less travel-focused.

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A Sapphire Reserve holder since launch who still gets over $1,000 a year from credits and lounges, despite no retention offer.

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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.

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Uses the DoorDash grocery credits monthly and welcomes the larger restaurant credit.

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Stacked the Sapphire Reserve StubHub credit with portal cashback and bonus points on college football tickets.

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Used the travel, StubHub and restaurant credits within weeks and came out ahead of the fee easily.

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Travels a few times a year and finds the card good, though the StubHub credit does not suit them.

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Tracked a lot of value in six months and says the card fits their lifestyle.

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Cannot think of a card that fits their lifestyle better and easily got about 4k of value.

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Even at conservative valuations of lounges and credits the card pays off.

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Travels a few times a year but uses most benefits in a medium-sized city.

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Finds hotels through Chase Travel cost 30 to 50 percent fewer points than through Amex.

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They ran their spending against the card benefits and found the Reserve worthwhile, saying it has paid for itself so far, nearly a year into holding it.

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Used the Sapphire Reserve StubHub credit on event tickets that have since gone up in value.

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Keeps the Sapphire Reserve because it more than pays for itself organically.

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In the last year used the hotel, The Edit, dining, travel and Lyft credits, which already more than paid for the card.

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Is about $300 ahead on the Sapphire Reserve from the travel, StubHub, dining and Apple credits without traveling, though IAD lounges are hard to get into.

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Took a 12-day Japan trip on Sapphire Reserve credits and points, and was upgraded at two of three hotels.

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In their first year they transferred points for a long-haul trip, stacked The Edit and hotel credits, and got upgraded with IHG status.

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Has booked two trips in under a year with their Chase trifecta and still has points for another.

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Used the Sapphire Reserve The Edit credit and points boost for a two-night stay at the Limelight Denver.

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Getting strong value plus lounges and used points for four tickets to Europe.

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Their usual travel, StubHub and Apple spending makes the Sapphire Reserve almost free.

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The dining, StubHub and travel credits cover their Sapphire Reserve fee even though they cannot use The Edit.

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Has already used the Sapphire Reserve hotel, The Edit, travel and StubHub credits in their first week.

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In NYC, used the credits easily, and switching to Apple Music saved money.

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Used the Chase Shops credit and travel credit and finds it a sweet deal.

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Tracks personal value carefully and the card pays for itself more than twice over.

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Frequent work traveler uses the credits on things bought anyway and redeems points for family holiday flights.

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Two big vacations a year plus dining and StubHub credits already justify the fee.

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A Sapphire Reserve holder since launch who got about $855 of value in one DC weekend from the travel, The Edit, dining and Lyft credits.

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Uses all the benefits, so the Sapphire Reserve costs them nothing, though they miss 1.5x redemption.

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Travels internationally often and gets value from portal flights, Lyft, the dining, DoorDash and The Edit credits, and worldwide acceptance.

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Uses the previous year's points to pay the Sapphire Reserve fee and treats the other benefits as extras.

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Their concerts, Peloton, Apple TV and dining spending cover nearly the whole Sapphire Reserve fee.

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Has got over $1,100 of value from the Sapphire Reserve since the refresh.

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Has done the math repeatedly and comes out ahead with the Sapphire Reserve versus other premium cards.

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Skips the coupon game but the travel credit and spend-tier credits keep the card worth it.

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In NY, gets easy value from the travel and dining credits, lounges and 3x dining.

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Stayed with the Sapphire Reserve for its points earning and easier redemptions.

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The Sapphire Reserve's travel credit and points give them more value than the Platinum would.

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Uses the Sapphire Reserve as their main international travel card and gets well over its fee in value.

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Got a strong points boost redemption on a Vegas hotel and still finds the Sapphire Reserve worth it, though DoorDash credits are confusing.

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Finds the Sapphire Reserve travel credit effortless to use and their renewal at the old fee a great value.

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Finds the Sapphire Reserve travel, The Edit and dining credits easy to use, so they are keeping the card.

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Gets thousands of dollars a year in Sapphire Reserve credits from their regular dining and travel spending.

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Books hotels on Expedia with the Sapphire Reserve, earning 3x as travel at prices usually below the card portals.

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Booked a The Edit stay at the Omni Boston with a points boost and just enough cash to trigger the full credit.

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Replaced their music, Peloton and Apple TV subscriptions with Sapphire Reserve credits.

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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.

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The StubHub credit offsets the fee increase for them, and they use the LGA Sapphire lounge and the rideshare credits.

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Likes the 1.5 cent redemption most and uses the points for free flights with their wife.

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Finds the Sapphire Reserve's credits easy to use because they already use Lyft and go to live events often.

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Comes out ahead on the travel, StubHub and DoorDash credits plus Priority Pass and listed restaurants.

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Transfers business Ink points to the Sapphire Reserve and still gets hundreds more in redemption value despite the fee.

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Uses points boost a lot for flights and hotels and has had no bad portal bookings, though the interface is clunky.

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Switched from the Platinum; DoorDash, Lyft, Apple TV and StubHub credits already exceed the fee.

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Heavy DoorDash user who also uses Lyft, Peloton, Apple Music and Edit; the credits work for them.

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Values the Sapphire Reserve trifecta as a workhorse earner with 3x general travel.

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Gets more than their money's worth from points on hotels, dining, tolls and trains plus a few lounge visits.

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Recently found they can use Sapphire Reserve points at a 25% boost to pay back the annual fee, charities and some utilities.

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Hasn't paid for a flight in years thanks to the points and uses DoorDash easily.

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Holder since 2016 uses all the perks and covers the fee with points.

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Finds the Sapphire Reserve's DoorDash credit genuinely useful, ordering small grocery runs every two weeks thanks to the low order minimum.

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In NYC, DoorDash pickups and Lyft Pink with Citi Bike easily cover their Sapphire Reserve fee.

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Uses the travel credit easily on three or four vacations a year and values the transfer bonuses.

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Stacked the new Sapphire Reserve DoorDash credit with a promotion to get $40 of groceries for $15.

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Used the Sapphire Reserve StubHub credit on two England game tickets and gave the second to a friend.

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Stacked the Sapphire Reserve StubHub credit with other offers and came out ahead on family Thunder tickets.

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Booked a complex business class itinerary with points boost at about 2 cents a point without hunting award space.

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Loves stacking Edit credits with points boost and uses the dining credit on restaurant gift cards and the DoorDash credits.

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Finds the refreshed card incredibly easy to maximize, even at home.

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The Sapphire Reserve Apple benefit was applied as a discount on their Apple One family plan at renewal.

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Puts enough 4x spend on the Sapphire Reserve and gets good transfer and points boost value to justify the fee.

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Chase applied both the IHG credit and the travel credit to a Seattle Crowne Plaza stay, so it cost them only a few dollars.

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Already used travel, Peloton and DoorDash, so those credits alone nearly cover the fee.

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Has used the travel, hotel, Edit, Southwest, StubHub and Chase Shops credits this year.

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The card more than pays for itself, and they value having a Visa.

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A three-night Budapest Kimpton stay triggered two hotel credits, with points covering the rest.

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Got a free Vegas weekend at Mandalay Bay with points boost and the hotel credit.

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A Boston trip used The Edit and Omni credits with points boost, breakfast, the dining credit and the Sapphire lounge.

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Got four nights at the Montage Healdsburg for very few points after the IHG, The Edit and travel credits.

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Gets well over the fee from StubHub, dining, hotels, lounges, DoorDash and Apple TV without changing habits.

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Booked a United business class flight from Tokyo with points instead of an expensive cash fare.

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Their local everyday restaurants qualify for the Sapphire Reserve dining credit.

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After 8 years they are keeping the card, having netted strong value from many perks.

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Flew United Polaris on two international trips paid entirely with points using points boost.

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Used the Shops at Chase credit on AirPods Max and made back the fee within a month.

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Saved almost $2,500 booking a Four Seasons through the Sapphire Reserve.

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Easily used the travel, StubHub, dining, DoorDash, Apple and one The Edit credit in the past year.

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The Sapphire Reserve Away credit posted even though the charge showed under Shop Pay.

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Used the Sapphire Reserve Away offer to get $200 back on a new luggage set.

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The refreshed credits made the card work for their traveling DINK household.

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Uses StubHub, travel, Lyft, DashPass, IHG and Peloton credits and lounge food savings.

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Booked and cancelled a trip and still kept the travel credit.

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Has already used the IHG, an Edit and the travel credit this year and finds it worth it.

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Happy with the card because it discounts things they buy anyway, with decent multipliers.

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Their authorized user used the travel credit abroad, and they used Edit, dining, Peloton, DoorDash and Lyft credits.

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Chose the Sapphire Reserve over the Amex Platinum because one card covers both travel and dining, so they use it every day.

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Hits the spending threshold, so the Southwest and Chase store credits plus IHG status pay for the Sapphire Reserve.

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Has come to prefer the Sapphire Reserve over the Platinum because its credits fit their life.

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Travels a lot for work and gets 8x on hotels, with Sapphire Reserve credits more than covering the fee.

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Nets a few hundred dollars a year from the PHL Sapphire lounge and the DoorDash, Lyft, travel and StubHub credits.

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Lives in a city and eats out often, so both the Sapphire Reserve and Platinum pay for themselves.

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The Sapphire Reserve StubHub, dining, travel, Lyft and DoorDash credits cover its fee for them.

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Tracks the credits on both cards and gets well beyond the annual fees.

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Uses the Sapphire Reserve daily for dining in NYC and makes the fee work with The Edit, dining, DoorDash and Lyft.

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The Sapphire Reserve is net positive for them from the credits alone.

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Found Sapphire Reserve offers on memberships they already pay for, saving them hundreds.

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Moved points to the Sapphire Reserve and used points boost to book a trip for far fewer points.

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Uses the travel, Edit, hotel, dining and StubHub credits and gets tons of value.

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Used the travel, Edit, StubHub, dining, Apple, DoorDash and Lyft credits on things they would do anyway.

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In NYC, easily uses the travel, dining and StubHub credits, plus DoorDash and Lyft.

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Travel, Apple and StubHub credits alone pay for the card, plus lounges and better earning.

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Used travel, dining, Edit, StubHub, DoorDash and Chase Shops credits and comes out ahead.

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Uses the travel, StubHub, dining, Apple TV, DashPass, Lyft and Global Entry benefits every year.

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The credits cover things they spend on anyway, so it is easy money.

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First-year holder in a major metro used the travel, Edit, dining and StubHub credits seamlessly.

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Has had good experiences since the changes and used almost double the fee.

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Uses the travel, StubHub and dining credits, so the Sapphire Reserve is worth it for them.

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Finds the Sapphire Reserve points boost and The Edit at 2 cents a point the easiest way to get good value.

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Uses it as the main family card, and the spend-tier perks largely paid for the card.

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Already used the travel credit, a portal discount and the DoorDash credit, and covered the fee with points.

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Travels a lot and gets well over the fee from the Sapphire Reserve credits.

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Gets about $2,000 in real value from the credits without changing their spending.

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Gets strong value booking hotels with Chase points.

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Living in a big city, the travel, dining, StubHub and Lyft credits make it worth it.

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As a moderate spender, finds the card great value.

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New holder has used over $2K in credits and enjoys finding offers for routine purchases.

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In LA, easily uses the DoorDash, travel, dining, Edit and Lyft credits.

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Uses the spend-tier, travel, StubHub, dining credits and the Chase lounge in NYC.

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The Southwest credit plus base credits put them well over the annual fee.

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Combines discounted DoorDash gift cards with the monthly credit for grocery delivery and loves it.

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A small Toast gift card triggered the Exclusive Tables credit.

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Chase Travel has had good prices at 8x.

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Points boost doubled their points on a Hawaii hotel priced the same as direct.