Reddit · r/ChaseSapphire · Oct 21, 2026
NegativeSummary of a Reddit comment
Finds the split StubHub and dining credits hard to use and the card too expensive for the value.
Travel rewards card
Many customers get strong value from the travel credit, lounges, insurance, points boost and transfer partners, often more than the annual fee.
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 160 reviews mentioning hard to redeem Show all
Reddit · r/ChaseSapphire · Oct 21, 2026
NegativeSummary of a Reddit comment
Finds the split StubHub and dining credits hard to use and the card too expensive for the value.
Reddit · r/ChaseSapphire · Apr 13, 2026
NegativeSummary of a Reddit comment
Finds The Edit footprint and two-night minimum unworkable compared with the Amex Platinum.
Reddit · r/CreditCards · Oct 28, 2026
MixedSummary of a Reddit comment
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.
Reddit · r/ChaseSapphire · Oct 1, 2026
NegativeSummary of a Reddit comment
No grocery pickup and marked-up prices make the DoorDash credit worth little.
Reddit · r/ChaseSapphire · Jul 13, 2026
MixedSummary of a Reddit comment
Their Sapphire Reserve Sephora Paze purchases got nothing, but a Domino's purchase earned the bonus and credit.
Reddit · r/ChaseSapphire · Jul 8, 2026
NegativeSummary of a Reddit comment
Only one of seven Paze purchases on their Sapphire Reserve earned the bonus.
Reddit · r/ChaseSapphire · Jul 2, 2026
NegativeSummary of a Reddit comment
Has not found a good use for the Edit; NYC options looked ridiculously priced.
Reddit · r/CreditCards · Apr 30, 2026
NegativeSummary of a Reddit comment
Has tried a dozen times to use the Sapphire Reserve StubHub credit but always found tickets much cheaper elsewhere.
Reddit · r/CreditCards · Apr 30, 2026
MixedSummary of a Reddit comment
Finds StubHub prices higher than elsewhere for the Sapphire Reserve credit, but still gets value from it for live events.
Reddit · r/ChaseSapphire · Apr 21, 2026
NegativeSummary of a Reddit comment
Has held the Sapphire Reserve since launch but has no usable dining or lounge options nearby and found The Edit pricier than direct.
Reddit · r/ChaseSapphire · Apr 21, 2026
NegativeSummary of a Reddit comment
Found nearly all The Edit hotels booked for their Europe trip.
Reddit · r/ChaseSapphire · Apr 11, 2026
NegativeSummary of a Reddit comment
Their former forever card is still net positive, but the credits are too much work so they plan to cancel.
Reddit · r/ChaseSapphire · Apr 5, 2026
NegativeSummary of a Reddit comment
Chase clawed back the merchant offer credit on the next statement after they returned an item.
Reddit · r/ChaseSapphire · Mar 26, 2026
NegativeSummary of a Reddit comment
They are likely leaving the Sapphire Reserve at renewal because the new credits do not match their spending and the points they used for flights have been devalued by the changes.
Reddit · r/ChaseSapphire · Feb 20, 2026
NegativeSummary of a Reddit comment
Finds the Sapphire Reserve credits weaker and harder to use than Amex's, though one stay at a The Edit hotel was fantastic.
Reddit · r/ChaseSapphire · Feb 18, 2026
NegativeSummary of a Reddit comment
Found solid Edit deals last year but two-night availability has shrunk and prices rose.
Reddit · r/ChaseSapphire · Dec 29, 2025
NegativeSummary of a Reddit comment
Has not used any Edit credits because stays are rarely free and need two nights for one credit.
Reddit · r/ChaseSapphire · Dec 27, 2025
NegativeSummary of a Reddit comment
In Europe, spent hours looking for reasonable Edit stays and gave up; calls the card a massive disappointment.
Reddit · r/ChaseSapphire · Dec 27, 2025
MixedSummary of a Reddit comment
Got good value from an Edit booking at the Bellagio but the hotel treated them poorly as a third-party booking.
Reddit · r/ChaseSapphire · Dec 24, 2025
MixedSummary of a Reddit comment
Uses The Edit credit for vacations, but finding stays where it really saves money limits where they can go.
Reddit · r/ChaseSapphire · Dec 24, 2025
NegativeSummary of a Reddit comment
Used the dining credit, but it took booking weeks ahead, an early slot and a trip to another city.
Reddit · r/ChaseSapphire · Dec 23, 2025
NegativeSummary of a Reddit comment
Cancelled a long-loved Sapphire Reserve because the new credits did not work for them and they miss 3x on all travel.
Reddit · r/ChaseSapphire · Dec 23, 2025
NegativeSummary of a Reddit comment
Still had no Sapphire Reserve dining credit six weeks after dining at a listed restaurant, despite two calls.
Reddit · r/ChaseSapphire · Oct 29, 2025
NegativeSummary of a Reddit comment
The few Seattle dining credit options are mediocre.
Reddit · r/ChaseSapphire · Oct 29, 2025
MixedSummary of a Reddit post
Uses the Sapphire Reserve DoorDash credits but feels they are more extreme couponing than a premium perk.
Reddit · r/ChaseSapphire · Oct 28, 2025
NegativeSummary of a Reddit comment
None of the large metros they and family live in has dining credit options.
Reddit · r/ChaseSapphire · Oct 28, 2025
MixedSummary of a Reddit comment
Rarely visits the listed LA restaurants but will use the credit in Vegas.
Reddit · r/ChaseSapphire · Oct 7, 2025
NegativeSummary of a Reddit comment
The Edit and dining credits turned out to be worth close to zero to them.
Reddit · r/ChaseSapphire · Oct 7, 2025
NegativeSummary of a Reddit comment
The same stay was $500 more through the Edit than direct.
Reddit · r/ChaseSapphire · Oct 3, 2025
NegativeSummary of a Reddit comment
Portal rates this year were higher than direct or Amex every time.
Reddit · r/ChaseSapphire · Oct 2, 2025
NegativeSummary of a Reddit comment
Got the Sapphire Reserve for the bonus but found The Edit hotels limited and pricier, and StubHub poor.
Reddit · r/ChaseSapphire · Sep 26, 2025
NegativeSummary of a Reddit post
Cancelled the Sapphire Reserve after eight years because Chase Travel is inconvenient and Priority Pass lounges are overcrowded.
Reddit · r/ChaseSapphire · Sep 23, 2025
NegativeSummary of a Reddit comment
The Edit's two-night minimum rules out their one-night staycations.
Reddit · r/ChaseSapphire · Sep 23, 2025
NegativeSummary of a Reddit comment
Only three dining credit restaurants nearby, all far away.
Reddit · r/ChaseSapphire · Sep 23, 2025
NegativeSummary of a Reddit post
The Edit hotel prices in the Chase portal kept coming out well above Expedia, so they are closing the Sapphire Reserve for the Amex Platinum.
Reddit · r/ChaseSapphire · Sep 8, 2025
NegativeSummary of a Reddit comment
A coworker who booked the same hotel direct got a better room than their Chase portal booking, and they find portal prices inflated.
Reddit · r/ChaseSapphire · Sep 6, 2025
NegativeSummary of a Reddit comment
Still waiting about eight weeks for the Sapphire Reserve dining credit from a restaurant openly branded as a Sapphire partner.
Reddit · r/ChaseSapphire · Sep 6, 2025
NegativeSummary of a Reddit comment
Uses the other Sapphire Reserve credits but cannot find a way to use The Edit credit.
Reddit · r/ChaseSapphire · Sep 3, 2025
NegativeSummary of a Reddit comment
The Sapphire Reserve dining credit did not apply automatically on an OpenTable booking, so they had to call support and wait weeks for it to post.
Reddit · r/ChaseSapphire · Aug 26, 2025
NegativeSummary of a Reddit comment
Their one usable liquor store dropped DoorDash after two months, leaving them no good way to use the credit.
Reddit · r/ChaseSapphire · Aug 26, 2025
NegativeSummary of a Reddit comment
DoorDash orders for the Sapphire credit kept going wrong, though a Chase chargeback went through right away.
Reddit · r/ChaseSapphire · Aug 26, 2025
NegativeSummary of a Reddit comment
Their only DoorDash pickup option in Houston is one 7-Eleven, so they just get beer.
Reddit · r/ChaseSapphire · Aug 26, 2025
MixedSummary of a Reddit comment
Gets about $7 of value per $10 DoorDash credit because of markups.
Reddit · r/ChaseSapphire · Aug 8, 2025
NegativeSummary of a Reddit post
A The Edit hotel cost far more through the Sapphire Reserve portal than in the Preferred portal, so they downgraded.
Reddit · r/ChaseSapphire · Aug 8, 2025
NegativeSummary of a Reddit comment
Finds the Sapphire Reserve dining credit forced and The Edit hotels overpriced, and the Apple credit does not fit their family plan.
Reddit · r/ChaseSapphire · Jul 30, 2025
NegativeSummary of a Reddit comment
They moved points from an old Freedom card to a new Sapphire Reserve and found the travel portal values them at a flat one cent each rather than the boosted rate they expected; Chase support was not helpful.
Reddit · r/ChaseSapphire · Jun 23, 2025
NegativeSummary of a Reddit comment
Will use the Peloton credit, but the luxury hotel and dining credits are too limited or costly.
Reddit · r/CreditCards · Jun 18, 2025
MixedSummary of a Reddit comment
Likes the higher hotel and flight multipliers but finds the new credits more work.
Reddit · r/ChaseSapphire · Jun 17, 2025
NegativeSummary of a Reddit comment
Only two restaurants near them qualify for the Sapphire Reserve dining credit.
Reddit · r/ChaseSapphire · Jun 17, 2025
MixedSummary of a Reddit comment
Always uses the Sapphire Reserve travel credit, but finds StubHub and Peloton useless and the DoorDash credit more annoying since the change.
Reddit · r/ChaseSapphire · Jun 17, 2025
NegativeSummary of a Reddit comment
Found hotels in the Chase portal at least 10% pricier than booking direct, so they used points mainly for economy flights.
Reddit · r/ChaseSapphire · Jan 18, 2025
NegativeSummary of a Reddit comment
A JetBlue flight was half the price booked direct versus the Chase portal.
Reddit · r/ChaseSapphire · Jan 11, 2025
NegativeSummary of a Reddit comment
The Chase portal used to match airline prices but now marks them up, so they moved spending to an American Airlines card.
Reddit · r/ChaseSapphire · Jan 11, 2025
NegativeSummary of a Reddit comment
Checked over 40 hotel nights across three portals last year and Chase was always the most expensive.
Reddit · r/ChaseSapphire · Oct 1, 2026
MixedSummary of a Reddit comment
Can't choose which DoorDash credit applies first.
Reddit · r/ChaseSapphire · Sep 1, 2026
NegativeSummary of a Reddit comment
The Sapphire Reserve DoorDash credit disappeared from their app, and DoorDash said to order in a browser.
Reddit · r/ChaseSapphire · Jul 9, 2026
NegativeSummary of a Reddit comment
Only the first of their Sapphire Reserve Paze purchases was coded for the bonus.
Reddit · r/ChaseSapphire · Jul 8, 2026
NegativeSummary of a Reddit comment
Got no Paze credits on the Sapphire Reserve but all of them on the Freedom Unlimited.
Reddit · r/CreditCards · Apr 30, 2026
NegativeSummary of a Reddit comment
The Sapphire Reserve Apple credits do not apply to their Apple One family plan, which pushed them to downgrade.
Reddit · r/ChaseSapphire · Apr 27, 2026
NegativeSummary of a Reddit comment
A longtime Sapphire Reserve holder now planning to cancel because using the credits has become a chore.
Reddit · r/ChaseSapphire · Apr 21, 2026
NegativeSummary of a Reddit comment
Finds The Edit hard to get value from, as even a Barcelona splurge cost more than comparable hotels, and NYC dining options are limited.
Reddit · r/ChaseSapphire · Apr 17, 2026
NegativeSummary of a Reddit comment
Cancelling over the mental load of redeeming credits.
Reddit · r/ChaseSapphire · Mar 28, 2026
MixedSummary of a Reddit comment
Saved money stacking hotel credits, but the rooms were priced about 30% high.
Reddit · r/ChaseSapphire · Mar 26, 2026
NegativeSummary of a Reddit comment
They have held the Sapphire Reserve for years and say the loss of the 1.5x redemption and 3x travel earning, plus unusable credits and a higher fee, led them to downgrade to the Preferred.
Reddit · r/ChaseSapphire · Mar 25, 2026
NegativeSummary of a Reddit comment
Never got value from the DoorDash credit after fees and tip.
Reddit · r/ChaseSapphire · Mar 25, 2026
NegativeSummary of a Reddit comment
Tried to use the Edit and hotel credits in Toronto and found Chase pricing far higher.
Reddit · r/ChaseSapphire · Mar 17, 2026
NegativeSummary of a Reddit comment
Found Chase Travel hotel rates far above booking direct, and the IHG credit blocked the hotel they wanted.
Reddit · r/ChaseSapphire · Feb 21, 2026
NegativeSummary of a Reddit comment
Chase Travel was pricier than Amex Travel, and using credits from cancelled bookings was a nightmare.
Reddit · r/ChaseSapphire · Feb 20, 2026
NegativeSummary of a Reddit comment
The same Four Seasons room cost far more through Chase than through Amex, and Chase would not help.
Reddit · r/ChaseSapphire · Feb 20, 2026
NegativeSummary of a Reddit comment
Kept the Sapphire Reserve another year but mostly does not use the new credits.
Many customers get strong value from the travel credit, lounges, insurance, points boost and transfer partners, often more than the annual fee. The most common complaints are credits that are hard to use (DoorDash, The Edit, StubHub), poor support when portal bookings go wrong, crowded lounges, and a higher fee after the refresh.
Of the 1,319 reviews with a clear verdict, 53% are positive, 12% mixed and 34% negative. The praise mentioned most is great rewards. The most common complaint is hard to redeem.
The praise reviewers mention most: great rewards (253 reviews), great travel perks (210 reviews) and easy to use (34 reviews). For example: Frequent work traveler uses the credits on things bought anyway and redeems points for family holiday flights.
The complaints reviewers mention most: hard to redeem (149 reviews), poor support (114 reviews) and rate dropped (33 reviews). For example: In Europe, spent hours looking for reasonable Edit stays and gave up; calls the card a massive disappointment.
It's how well reviewed Chase Sapphire Reserve is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Travel rewards card. Type: Premium travel rewards credit card. Fees: $795 annual fee. Rates & rewards: 8x points on Chase Travel, 4x on flights and hotels booked direct, 3x on dining.
1,319 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.