Chase Sapphire Reserve Reviews

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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.

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Gets strong value booking hotels with Chase points.

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

As a moderate spender, finds the card great value.

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

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

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

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

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

A small Toast gift card triggered the Exclusive Tables credit.

Chase Travel has had good prices at 8x.

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

Has already booked hotels with 2x points boost and thinks rewards improved.

Got 1.6x and 2x points boosts on moderately priced hotels.

Easily gets their money's worth from Edit, travel and dining credits plus points boost.

Transferred points to Hyatt for 11 nights in Europe at about 3 cents a point.

Happy with the changes after strong points boost redemptions and the free Apple TV.

Found the Sapphire Reserve credits easier to use than the Platinum's, though many The Edit hotels were unavailable.

Has already used or will use the StubHub, DoorDash, dining and Apple credits, though not The Edit.

Already makes back the full annual fee.

Uses StubHub regularly, so the Sapphire Reserve refresh was purely positive for them.

Their normal Apple TV, ticket, DoorDash and Lyft spending covers the Sapphire Reserve fee.

The refreshed Sapphire Reserve nets them more, since their usual restaurants qualify for the dining credit and they use StubHub and Apple TV.

Signed up because the Apple, DashPass and StubHub credits match what they already use, which nearly covers the fee.

Got more value from Sapphire Reserve points on hotel bookings than from Amex points on the same properties.

Says the StubHub, Apple and travel credits more than pay for the Sapphire Reserve fee.

Their family Apple One plan plus the travel credit make the Sapphire Reserve worth keeping.

Uses the Boston lounge often, already has Apple TV and Music, and goes to the listed Boston restaurants.

Books flights through the Chase portal for extra points and always finds the same price as the airline.

Their family orders DoorDash often, so the Sapphire Reserve DashPass has saved a lot in fees.

Got strong point value booking The Edit hotels such as Four Seasons through the Sapphire Reserve.

The Sapphire Reserve credits fit their life in NorCal, unlike the Amex Platinum, which stopped working for them in 2022.

The Lyft credit covers DC bikeshare, and with travel, dining and StubHub credits the card makes money.

Earns a large number of Sapphire Reserve points on personal and work travel and would have kept it for that alone.

Found the Chase portal cheaper than booking elsewhere for their travel this year.

Uses the Sapphire Reserve DoorDash benefit for deliveries in the city and loves it.

Uses up the Sapphire Reserve travel credit on highway tolls before any vacation.

The Sapphire Reserve credits already break even on the fee for them.

Redeemed points for a MacBook Air and four nights at a nice hotel for their wedding.

Earns enough points through natural spending to break even on the Sapphire Reserve fee.

A Sapphire Reserve purchase protection claim for a broken Fitbit was paid without questions.

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 both the Sapphire Reserve and the Amex Platinum, find the Reserve far better for earning points, and are considering dropping the Platinum while being very happy with the Reserve.

Calls it the best card for heavy travel and dining spend.

Got substantial airfare value through the portal plus DoorDash, lounges and roadside help.

Uses the Chase portal to pay part of cruises and tours booked direct with points at 1.5 cents.

Uses the Chase portal constantly for Delta flights with no issues and loves 10x on hotels.

Transferred Chase points to Hyatt for a week-long stay at about 2 cents a point.

Finds Chase portal flights priced the same as the airline, converting at exactly 1.5 cents a point.

They keep the Sapphire Reserve mainly for its Sapphire dining earning, using the travel credit to lower the effective fee and finding it easy to come out ahead when dining at those restaurants.

Bought a car abroad on the Sapphire Reserve and came out ahead.

Uses the Sapphire Reserve return protection when sellers will not take items back.

Goes to concerts regularly and stacks the Sapphire Reserve StubHub credit with Paze and cashback.

Got five free nights in Bangkok with the Sapphire Reserve IHG credit.

Uses DoorDash very often, so the bigger Sapphire Reserve credit is free money for them.

All ten Paze purchases on their Sapphire Reserve coded correctly and earned the credits.

Uses the travel, dining, StubHub, IHG, Edit and Apple credits and is making out like a bandit.

The new Apple One discount plus their other credits means they will keep the Sapphire Reserve after planning to cancel.

Unexpectedly got the dining credit at the one listed restaurant in their small city.

Got 14x points on a United booking paid through Paze with their Sapphire Reserve.

Chose the Sapphire Reserve over the Platinum and has used every benefit this year.

Holds both cards and always comes out ahead.

Saved a lot by mid-year with travel, StubHub, Edit, IHG and dining credits.

Got two free nights in Savannah with The Edit and IHG credits.

Since 2023 has funded several long-haul trips through Chase point transfers, and used the travel insurance twice.

Kept a Sapphire Reserve merchant credit even after part of the order was refunded.

The Sapphire Reserve Away offer credited them $200 two days after their luggage order.

Stacks the dining credit with restaurant gift cards easily.

Still finds the Sapphire Reserve their most valuable card after the fee increase.

Got a Whoop membership almost free through a Sapphire Reserve offer.

Uses almost all the Sapphire Reserve and Platinum credits, so both cards pay for themselves.

Has used thousands in credits across their Sapphire Reserve and Amex cards in the past year.

Uses the Sapphire Reserve far more than expected and finds it pays for itself.

Uses the Sapphire Reserve's monthly DoorDash credit for a Target grocery delivery, picking delayed delivery so they usually pay only the tip.

In Philadelphia, uses most credits and an Edit family trip to DC cost little out of pocket.

In Seattle, used travel, Lyft, StubHub, dining, Apple and DoorDash credits; the grocery credit is annoying.

Light traveler covers most of the fee with the travel, DoorDash and Apple Music credits.

Work traveler uses up the credits organically except StubHub and Peloton.

In NYC and traveling for work, finds the card a total no-brainer.

Prefers Chase's Hyatt transfer partner to Citi's.

The Sapphire Reserve dining credit applied at a Nobu location that was not even on the list.

Redeemed points for United business class flights that would have cost thousands in cash.

Used their Sapphire Reserve dining credit.

A Toast gift card at Bresca triggered the Exclusive Tables credit.

Uses the Apple Music and TV credits naturally, bringing their effective fee down.

A gift card at Jeffery's Grocery triggered the Exclusive Tables credit.

Got grocery store sushi delivered for a few dollars by stacking the DoorDash credit with app deals.

Stacks the Sapphire Reserve DoorDash credits with restaurant deals for cheap sandwiches in the Bay Area.

Strong earning with the Freedom cards and a seamless travel credit.

Booked an entire honeymoon with Points Boost.

Regularly gets about 2–3 cents a point transferring to Hyatt.

Found many 2x points boost hotels in Tokyo and Kyoto, including Japanese chains.

Really likes the Sapphire Reserve points boost for luxury hotels.

Points boost has worked well for United Polaris redemptions.

Uses the Sapphire Reserve Apple, Lyft, StubHub and travel credits.

Flies often for work and has used Sapphire Reserve points for three free weeklong family vacations.

The new credits align with their organic spend, so the card is effectively free.

Got just over 2 cents a point booking the Hay-Adams through The Edit.

The travel, DoorDash and Apple Music credits plus lounge access make the refreshed Sapphire Reserve worth the fee for them.

Gets about $1,200 from the Sapphire Reserve dining, travel, StubHub and DoorDash credits without effort.

Uses the travel and StubHub credits every year and roughly breaks even on the Sapphire Reserve.

Saved a lot on travel with the Sapphire Reserve 1.5x redemption and is disappointed by its removal.

Transferred Chase points to United for business class to Japan.

The refreshed Sapphire Reserve earns them more, with 4x on flights, so they plan to cancel their Amex Platinum.

Goes to concerts, uses Lyft and DoorDash and has listed restaurants nearby, so the Sapphire Reserve still makes sense.

Finds the Sapphire Reserve travel credit far easier to use than anything on the Amex Platinum.

The 3x on general travel is the reason they use their Sapphire Reserve so much.

Has put the whole Chase ecosystem behind the Sapphire Reserve and already got a 1.75x points boost redemption.

Uses up the Sapphire Reserve travel credit on local parking and tolls alone.

Kept the card for years for its simple travel multipliers on tolls, parking and transit.

The Sapphire Reserve already pays for itself and an authorized user.

The 3x on Airbnb was one of the reasons they kept the Sapphire Reserve.

The 1.5x portal multiplier more than pays their fee; no portal issues.

The Sapphire Reserve points bonus on flights saves them hundreds on international travel each year.

Always finds the same flight price in the Chase portal as on Google Flights.

Often finds refundable hotel rates and breakfast deals through the Chase portal, especially abroad.

Gets the Sapphire Reserve fee back in benefits like the travel credit, Global Entry and rental insurance.

Found the Sapphire Reserve travel credit easy to use, and one 1.5x portal trip paid for the card.

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 plus the DoorDash credits cover the annual fee for them.

Compared transfer partners for Europe flights and found the 1.5x portal redemption a better deal for them.

Earns thousands of points a month from 10x on Lyft rides for work.

Their travel credit, points and 1.5x redemption pay the fee, with SEA lounges and DoorDash as extras.

Finds the Sapphire Reserve's 1.5-cent redemption beats their Venture X and Amex points.

Has used Chase portal points for stays at Xcaret, Hilton Anaheim and a free W in Mexico City.

Got good value last year from the travel credit, Global Entry, Instacart, Lyft and lounges.

Gets good value transferring to United for upgrades and Southwest for domestic flights.

Redeeming points for the Grand Hyatt Kauai, a room worth far more in cash.

Transfers all points to Southwest and earned a companion pass.

Wishes the Sapphire Reserve gave more, but still gets far more value from it than from any other card they have.

The travel credit and portal redemption boost alone cover the Sapphire Reserve fee for them, with DashPass and Instacart as extras.

Loves the Sapphire Reserve for Lyft, Instacart, rental cars, the travel credit and portal redemption in their city life.