Chase Sapphire Reserve Reviews

Has used Sapphire Reserve trip insurance three times; two claims were quick and one took months but paid.

Got good value from the portal and an Edit night with credit, upgrade and late checkout.

Travels the world for months each year and gets plenty of value from the Sapphire Reserve.

Upgraded from the Preferred to the Sapphire Reserve after a year; the travel credit and DashPass credits alone cover the annual fee for them.

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.

Lives abroad most of the year and values the Sapphire Reserve's no foreign transaction fees and frequent Priority Pass lounge use.

Keeps the Sapphire Reserve even while not traveling internationally, for the 1:1 Hyatt transfers and a yearly Edit and dining credit they can use locally.

They had their Sapphire Reserve trip delay cover pay out during mass American Airlines cancellations from crew shortages, though some meal expenses for non-immediate family were rejected.

Has held the Sapphire Reserve for eight years, takes several trips a year with points, and loves the Sapphire lounges.

Moved regular flights a day earlier to use the LGA Sapphire lounge without a wait, several times a year.

No longer counts the lounges toward break-even but used the BOS and PHL Sapphire lounges about five times.

They keep their Chase Sapphire Reserve because they travel internationally several times a year, calling it the best option for their travel habits within a larger card setup.

Gets a lot of value from the PHL Chase lounge, which offsets the credits they do not use.

National Executive status from the card got them a car fast after a late-night arrival in Puerto Rico.

Stacked Edit and travel credits on a Fairmont Montreal stay and gets value above the fee.

Has stayed at several The Edit hotels, including Four Seasons Sydney, and found good deals with breakfast and property credits.

All three of their The Edit stays priced about the same as direct, plus breakfast, upgrades, late checkout and property credit.

A The Edit stay at the Virgin Hotel NY got them a suite upgrade, early check-in, late checkout and extra charges waived.

They held the Sapphire Reserve for many years but left because the new benefits no longer fit how they spend, though the travel insurance paid out successfully twice. They moved to the Venture X for simplicity.

Offset the fee in under a year and found the rental car insurance worthwhile.

Values the lounges, travel credit, travel protections, hotel credits and StubHub.

Regularly gets reimbursed for delays, baggage problems and damaged luggage through the Sapphire Reserve.

Got into a lounge in Mexico with three family members at no extra charge.

Got the Sapphire Reserve mainly for its trip cancellation insurance, which covers more than the yearly Allianz policy they used to buy.

Split a San Diego hotel stay between The Edit and Amex Fine Hotels to use both credits on one trip.

Uses the Sapphire Reserve as their travel card and values the points boost hotels.

Uses the Sapphire Reserve for travel for its protections and gets thousands a year from it and their wife's Platinum.

Still comes out ahead in NYC and prefers the Sapphire lounges to the Centurion lounges at JFK and LGA.

The PHL Sapphire lounge makes the Sapphire Reserve worth it for them, and Chase reimbursed a broken laptop.

Loves the Sapphire Reserve, gets their money's worth, and prefers using the Boston Sapphire lounge.

Planned to cancel their Sapphire after getting the Amex Platinum but kept using it heavily; prefers its lounges and used The Edit credit on hotels.

Used several credits in the first months, and their Edit hotel cost less than booking direct.

Holds the Sapphire Reserve and says its high annual fee is more than offset by using the card credits, and points to its dining and travel multipliers and lounge access as strengths.

A Sixt damage claim in Europe was honored within a week.

Wishes they had opened it sooner; lounges and an Edit stay with upgrade and breakfast were a steal.

Compared a Vegas stay and found the difference negligible once resort fee and Edit perks counted.

Finds the dining credit easy in a big city and values the Air Canada lounges.

Values Global Entry during the ATC shutdowns and free Priority Pass food before every flight.

Saves on rental car insurance each time and values the travel insurance.

Used The Edit at the Omni Seaport in Boston, got upgraded, free breakfast and late checkout.

Found a reasonably priced Edit hotel in Waikiki to use the credit, though cheap options are slim.

Uses the Maple Leaf Lounge at SFO with the card when flying Star Alliance.

SFO Priority Pass lounges are often full, unlike the luxurious Sapphire lounges they've used.

Sapphire Reserve rental coverage paid for a hit-and-run in a parking lot.

Just got the Sapphire Reserve and finds the lounge access alone worth the remaining fee when traveling with family.

Got the Edit credit quickly but the $100 property credit did not apply at the hotel restaurant.

Booked three nights with The Edit credit and points, with free breakfast and a property credit.

They plan to drop their Chase Sapphire Reserve after the refresh but have grown fond of the Priority Pass lounge access and want to replace it, likely with a Capital One Venture X.

An Edit stay with points boost brought a credit, champagne and an upgrade at about 2 cents a point.

The Sapphire Reserve covered rental car damage for them within two weeks.

Has claimed Sapphire Reserve baggage delay, rental car, trip delay and roadside benefits over eight years and been reimbursed every time.

Sapphire Reserve trip cancellation insurance reimbursed a cancelled luxury trip after their wife fell ill, after extensive verification.

Has used The Edit and the luxury hotel collection several times and values the late checkout, flexible cancellation and breakfast.

Had an incredible Edit night in Seattle but could not find similar value later.

Lounges have been worth it, but they will leave the card.

Priority Pass lounges were hit or miss with waitlists; will miss the hotel points.

Kept the Sapphire Reserve because Edit hotels they wanted offered pay-later booking.

Has held the Sapphire Reserve since 2017 and still comes out ahead using Bay Area lounges, the dining credit, DoorDash, Apple TV and Lyft.

Uses the travel credit effortlessly and loves the Chase lounges.

Has used the Boston Sapphire lounge three times on Saturday mornings with no line and seats available.

Finds Chase Sapphire lounges very nice, and when there is a line it usually moves within 10 to 15 minutes.

Values the Sapphire Reserve travel credit, lounge access and travel insurance for the cruises they book several times a year.

After a hospital stay forced them to miss a cruise, the Sapphire Reserve trip insurance reimbursed all non-refundable costs within about two months.

Gets value from the travel, DoorDash and Apple credits and has had a positive visit to the new San Diego Sapphire lounge every time.

Used the Sapphire Reserve travel insurance twice last year and got all their expenses back, though it took a while.

Has never waited to get into a lounge in over 20 visits.

They keep the Sapphire Reserve as their one annual-fee card and use it as their travel and dining card, preferring it over other fee cards.

Uses lounges heavily on international trips, the DoorDash credits and Hyatt transfers, and got $500 back for a six-hour delay.

Gets a lot of value from the Sapphire Reserve despite the high fee, praising Priority Pass and Sapphire lounge access on international and work trips plus the flat travel credit over the Preferred.

They love their Sapphire Reserve, mainly for the 1.5 cents per point travel redemption perk, and would likely skip the Sapphire Preferred bonus rather than give up the Reserve.

Sapphire Reserve trip insurance reimbursed a non-refundable resort stay after an emergency operation, though the claim was a pain.

After a weather cancellation, the Sapphire Reserve refunded their rental car, hotel and meals.

They use the Sapphire Reserve for frequent travel, rarely use the travel portal, but have had good experiences transferring points to partners, which paid off on past international trips despite the learning curve.

They like the Sapphire Reserve for its lower annual fee than the Amex alternative and find the Chase lounges never full, and also prefer its travel insurance and travel credit.

Budget traveler values lounges, travel insurance and the DoorDash credits.

Loves their home Sapphire lounge but is annoyed by reduced New York insurance benefits.

They hold both the Sapphire Reserve and the Amex Platinum and love both, but would keep the Reserve if forced to choose, partly because adding their spouse costs less there.

They hold both the Sapphire Reserve and Amex Platinum and rate the Reserve better in nearly every respect, including rental insurance and redemptions, with its lounges incredible but few and far between.

They have held the card for about six months while living in Thailand and travelling around Asia. They like using points to book travel and enjoy the airport lounge access, but have not yet found good transfer partner opportunities.

Edit price matching has gotten them excellent deals.

Has got great value from the hotel credits in Asia and Sydney.

Booking the Andaz in Bali through the Edit came out cheaper than a cheaper hotel and earned an upgrade.

Has stayed at several Edit hotels at moderate prices and uses Points Boost to cut the cost further.

Used the dining, Global Entry, StubHub and travel credits plus the LGA Sapphire lounge within weeks and calls the card an amazing decision.

New holder already used the travel, dining and Whoop credits and the lounge twice.

Covered the annual fee with one hotel booking using credits.

Stayed in three Edit hotels and found all incredible value.

An Edit booking got an upgrade to a suite worth about $2,000 a night.

The Sapphire Reserve coverage paid an out-of-network ER bill on a trip booked with the card.

Upgraded their status at National, Avis and Hertz through the Sapphire Reserve.

Stayed at a JW Marriott through The Edit for the price of a lesser hotel, with breakfast and a property credit.

Linked National Executive through the card and picked a Jeep from the executive aisle in Las Vegas.

Struggles to offset the Sapphire Reserve fee and holds it mainly for Chase lounges.

Has used the San Diego Sapphire lounge many times with short waits, feeding their family of four before flights.

Keeping the card for travel insurance, the travel credit, TSA PreCheck, Peloton and Apple Music.

Short The Edit stays have been an amazing deal for them, with upgrades, breakfast and leftover credit.

Used the StubHub credit for Miami Open tickets and has claimed the Sapphire Reserve travel insurance three times.

Likes the LAS Sapphire lounge, priority Lyft and the roadside assistance benefit.

After another driver hit their rental, Sapphire Reserve coverage reimbursed a large damage invoice, which keeps them holding the card.

After a weather delay, the Sapphire Reserve refunded their flight, meals and hotel, though getting a supervisor took effort.

Sapphire Reserve coverage reimbursed them for emergency medical care twice, which keeps them holding the card.

Finds the card's roadside assistance works well and dropped AAA after AAA left them stranded.

Got Hertz President's Circle status shortly after opening their Sapphire Reserve.

Edit prices were close to direct, and with the credits they find The Edit pretty sweet despite the portal.

An Edit booking at the InterContinental Sydney cost the same as direct, so the credits put them way ahead.

Monthly traveler uses the travel, dining and StubHub credits and lounges, though lounge waits frustrate.

Got two guests into the Club at SFO free and has a Chase lounge at their home airport.

The Edit has become a yearly weekend treat for them and their wife.

Rental-car executive status lets them pick upgraded cars, a favorite perk.

Stacked the IHG, Edit and a voucher credit on one hotel for a trip they were taking anyway.

Stays at Edit hotels, uses the credit on the spa, and finds prices close to direct.

A budget traveler stayed at the Four Seasons Seoul cheaply with Points Boost and the Edit credit.

Booking ultra-luxury hotels at 2 cents per point through The Edit justifies the card for them.

The Club at SFO was serviceable but crowded and not worth arriving early for.

Loves the San Diego Sapphire lounge.

Switched from the Amex Platinum to the Sapphire Reserve and is still happy six years later.

Says the card has been excellent for their travel situation, with big hotel savings via transfers.

Edit stay at the InterContinental Indianapolis matched direct pricing, with breakfast, credit and a likely upgrade.

An Edit stay at Auberge du Soleil with points boost brought an upgrade, breakfast and credits.

Used the Edit credit with points boost at the Aria and the StubHub credit; nearly broke even and is very happy.

Has visited dozens of Priority Pass lounges and saved a lot on food and drink, with showers and sleep pods.

Keeps the card only for travel protection; the Edit and dining lists annoy them.

Only the travel insurance keeps them with the card.

The travel credit and Edit hotels alone keep the Sapphire Reserve worth it for them.

Finds Chase lounges in their area far more available than the always-packed Amex lounges.

Booked a Ritz-Carlton through The Edit, earned full Marriott points, and got an upgrade and early check-in.

Sapphire Reserve trip coverage paid for emergency dental work in Bangkok without questions.

Has made a rental claim and calls the Sapphire Reserve coverage awesome, as long as the card is used to book and pay.

Keeping the Sapphire Reserve because travel delay and baggage claims on international trips were reasonably covered.

An Edit stay in Toronto came with dinner and breakfast credits, and two stays already offset the fee.

Only keeping the card because of the Sapphire lounge at their local airport.

Found the Chase Sapphire lounge at LGA one of the best lounges they have visited, with great food and drinks.

Recently enjoyed the Sapphire lounges at JFK and CVG with free food and drinks.

Has used the Sapphire Reserve trip delay insurance multiple times and values its shorter delay threshold.

Likes the Sapphire Reserve StubHub, Apple and travel credits and the lounges, and got the card mainly for primary rental car insurance.

Used the Turkish lounge in Miami through Priority Pass twice, with great food and no waits.

Their Priority Pass lounge access in Miami has been a lifesaver since the restaurant credit ended.

The Sapphire Reserve's automatic travel credit is easy to use and its lounges are the nicest.

Uses up the Sapphire Reserve's $300 travel credit within months without travelling much, and roughly breaks even on the card.

Got a Chase letter certifying rental coverage across Ireland and Northern Ireland.

Chase sent them a coverage letter the rental agency required in Ireland.

Chase handled a disputed scratch on a Stuttgart rental and they paid nothing.

Booked a The Edit hotel with points and got breakfast and about $150 in extra credits.

After a last-minute cancellation, Sapphire Reserve trip coverage paid for the replacement flight on another airline.

They hold both the Sapphire Reserve and an Amex card, say the Amex does less for them over time, and find earning and redemption much better with the Reserve; they are close to dropping the Amex.

They hold the Sapphire Reserve strictly for the Boston lounge at their home airport, which their family uses to the max, and found the local Priority Pass lounges awful by comparison.

Appreciates the 4x on hotels and airlines booked direct.

A Four Seasons Edit stay matched direct price and added upgrade, breakfast and dinner.

Walked straight into the Maple Leaf lounge with the CSR.

Appreciates Hyatt transfers, IHG credit and Edit credits.

Has visited the LGA, BOS and JFK Sapphire lounges and rates Philadelphia's the best.

Would keep the card for the travel insurance peace of mind alone.

Price-matched Edit bookings cut five Edit nights to a fraction of the cost.

Trip delay coverage has paid for meals and hotels during cancelled or delayed flights.

The free eSIM benefit worked fine across Europe.

Warns of waiting hours to get into a small Chase lounge.

First-year holder saves on travel insurance and enjoys the lounges.

Chase covered the charges for minor scratches on a rental in Milan.

Chase reimbursed a hotel after a delay because the airfare was on their Sapphire Reserve.

Had a great experience with Sapphire Reserve primary rental car insurance.

Got the Sapphire Reserve for the new San Diego lounge and uses all its benefits.

The National status from their Sapphire Reserve let them pick any car on the lot and drive off in a BMW for a compact price.

Already used several hotel credits this year.

Finds booking Edit hotels with points awesome, with a dinner credit and free breakfast on a recent trip.

Used the travel and hotel credits on a Mexico City trip and loved the San Diego Sapphire lounge.

Booked an Edit hotel with Points Boost at about the direct price plus perks, and the credit posted immediately.

Uses the credits easily and gets lounge access at their home airport; calls it a no-brainer.

Frequent international traveler always uses the travel credit and the lounges abroad.

Finds the new Philadelphia Sapphire lounge phenomenal.

Boston couple uses travel, dining, StubHub, Apple TV, lounges and Lyft and finds it worth having.

Came out ahead on an Edit stay at the Ritz-Carlton Portland after breakfast and the property credit.

Stayed at the Sofitel in Brussels through the Edit and found it lovely.

The Edit works for them and they enjoy it.

Stays for Priority Pass and the rental car and travel insurance and finds it a great deal.

Holds the card only for its travel insurance and coverage, which they rate above the Amex Platinum.

Had good luck with The Edit and Points Boost at the InterContinental in LA.

Had a great experience with an Edit hotel.

Waited 45 minutes for a Sapphire lounge.

Just used the Edit credit on a mini-vacation in Charleston.

Has found every Chase Sapphire lounge they visited pretty nice.

Stays with Chase for its travel insurance and primary rental coverage.

Chase paid a pickup truck damage claim directly when their own insurer refused.

Easily recoups the fee and likes overseas lounges and travel insurance; DoorDash is a pain.

Hard to give up because it allows lounge entry for them plus two guests.

Has had rental claims in four countries paid without much hassle.

Uses Priority Pass heavily on international trips outside their airline network, which more than covers the fee.

Was reimbursed fairly easily for a rental issue in Greece.

Was reimbursed quickly for expenses after a flight cancellation.

Lives in San Diego and loves the Chase lounge there.

Rates the Chase Sapphire lounge in Philadelphia among the best lounges they have visited.

Has always walked straight into the LGA Sapphire lounge.

Uses their home airport's Chase lounge before almost every departure and loves it.

Finds the San Diego Sapphire lounge very nice, with good food on every visit.

Pleased with the new San Diego Sapphire lounge, and the dining credit covers restaurants they already visit.

Has filed Sapphire Reserve travel insurance claims and been reimbursed.

The Sapphire Reserve primary rental car coverage came through when their rental was broken into.

Flies multi-stop intercontinental routes and uses Priority Pass lounges many times per trip.

Keeps the Sapphire Reserve for the city dining, StubHub, DoorDash and Lyft credits and the lounges.

An Edit stay at Raffles Boston with points was fantastic.

Boston and Philadelphia Sapphire lounges were at capacity and chaotic.

As a Canadian they replaced a pricier card with the Sapphire Reserve for Maple Leaf lounge access.

Loves the San Diego Sapphire lounge and saves on airport food and drinks each trip.

Chase refunded a Legoland trip they had to cancel after catching COVID.

Has used the Sapphire Reserve travel insurance multiple times.

Sapphire Reserve rental coverage paid for damage in France, and its coverage letter saved them money in Jamaica and Costa Rica.

The trip insurance and travel credit alone justify the Sapphire Reserve for them.

Paid a friend's Global Entry fee with the card and was reimbursed.

Likes booking The Edit for the upgrade, breakfast and property credit.

Says the Reserve has saved thousands even without using the lounges.

Lounge access makes the Reserve worthwhile in their home city.

Uses the Turkish Airlines lounge and others often through the Sapphire Reserve Priority Pass.

Chose the Sapphire Reserve for Chase's points and transfer partners, its travel protections and the DoorDash and Lyft perks they already use.

The travel credit, lounges and TSA PreCheck make the Sapphire Reserve pay for itself for them and their wife.

Uses Lyft and DoorDash a lot, and values Global Entry and the travel insurance.

Switched from the Amex Platinum to the Sapphire Reserve and values its Priority Pass restaurant credit.

Uses the Dulles Etihad lounge all the time through the Sapphire Reserve and finds it almost always empty with excellent service.

Has traveled widely with the Sapphire Reserve Priority Pass and has never been turned away.

Got into the Dulles lounge with their Sapphire Reserve Priority Pass even with the restriction sign up.

The Boston Sapphire lounge has been the best they've used and saved their family airport meal costs.

Rates the Boston Chase lounge the best they have visited and has never seen it truly crowded across many visits.