Reddit · r/CreditCards · Oct 4, 2026
NegativeSummary of a Reddit comment
Downgraded after years when their military fee waiver ended and the refresh cut portal value.
Chase Sapphire Reserve Reviews
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.
How the signal works
The signal score
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.
What people mention
Common concerns
Topics grouped from customer reviews, with how many mention each; read the originals below.
Real customer experiences (1,319)
Add your reviewShowing 33 reviews mentioning rate dropped Show all
Reddit · r/ChaseSapphire · Mar 31, 2026
NegativeSummary of a Reddit comment
Long-time high spender switched away over poor rewards.
Reddit · r/ChaseSapphire · Feb 23, 2026
MixedSummary of a Reddit comment
Dislikes that Sapphire Reserve point values are no longer predictable and mostly uses it for its credits, though offsetting the fee takes little effort.
Reddit · r/ChaseSapphire · Jan 5, 2026
MixedSummary of a Reddit comment
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.
Reddit · r/ChaseSapphire · Dec 31, 2025
NegativeSummary of a Reddit comment
Used to get a good Chase portal redemption every year with the Sapphire Reserve, but now finds the prices inflated.
Reddit · r/ChaseSapphire · Dec 24, 2025
NegativeSummary of a Reddit comment
Loved the Sapphire Reserve for years but says the 2025 refresh gutted its earning and redemption.
Reddit · r/ChaseSapphire · Oct 3, 2025
NegativeSummary of a Reddit comment
Most of their travel-category earning came from Airbnb and B&Bs, which no longer earn 3x.
Reddit · r/ChaseSapphire · Oct 2, 2025
MixedSummary of a Reddit comment
Still gets more from the Sapphire Reserve than the Platinum would, but lost 3x travel.
Reddit · r/ChaseSapphire · Aug 13, 2025
NegativeSummary of a Reddit comment
Frequent cruisers lost 3x on all travel, which killed the card for them.
Reddit · r/ChaseSapphire · Jun 20, 2025
NegativeSummary of a Reddit comment
Earns most of their points from the general travel 3x, so their Sapphire Reserve earning will collapse after the change.
Reddit · r/ChaseSapphire · Jun 19, 2025
NegativeSummary of a Reddit comment
Their mostly-travel spending would earn far fewer points under the refreshed Sapphire Reserve at a higher fee, so they are out.
Reddit · r/ChaseSapphire · Jun 18, 2025
NegativeSummary of a Reddit comment
The new credits don't fit them and Airbnb spend loses the travel bonus.
Reddit · r/ChaseSapphire · Apr 17, 2026
NegativeSummary of a Reddit comment
Used the 1.5x points for trips; with that gone, no reason to stay.
Reddit · r/ChaseSapphire · Jan 15, 2026
NegativeSummary of a Reddit comment
A holder since 2016 got only a $100 retention credit and will move cruise spending off the card now that general travel earns 1x.
Reddit · r/ChaseSapphire · Jan 15, 2026
MixedSummary of a Reddit comment
Still worth it for them, but parking and bakeries no longer earn the multiplier.
Reddit · r/CreditCards · Nov 24, 2025
NegativeSummary of a Reddit comment
Will move a large cruise payment off the Sapphire Reserve because cruises now earn only 1x.
Reddit · r/ChaseSapphire · Oct 6, 2025
NegativeSummary of a Reddit comment
Downgrading over the lost 1.5x redemption and 3x travel.
Reddit · r/ChaseSapphire · Oct 3, 2025
NegativeSummary of a Reddit comment
The Edit duplicates their Marriott status and losing 3x travel makes it no better than the Preferred.
Reddit · r/ChaseSapphire · Oct 3, 2025
NegativeSummary of a Reddit comment
Will downgrade because cruises no longer earn travel points.
Reddit · r/ChaseSapphire · Oct 2, 2025
NegativeSummary of a Reddit post
Disappointed by the refresh after eight years with the card.
Reddit · r/ChaseSapphire · Oct 2, 2025
MixedSummary of a Reddit comment
Losing 3x travel hurts, but Apple, StubHub and points boost deals help.
Reddit · r/ChaseSapphire · Oct 2, 2025
NegativeSummary of a Reddit comment
The refresh is a big step down for them: lost 3x travel and unusable coupons.
Reddit · r/ChaseSapphire · Oct 1, 2025
NegativeSummary of a Reddit comment
Found few worthwhile points boost options for an upcoming trip and loses many points without 3x on parking and transit.
Reddit · r/ChaseSapphire · Sep 26, 2025
NegativeSummary of a Reddit comment
Airbnb was a big Sapphire Reserve use for them until the refresh removed 3x on general travel.
Reddit · r/ChaseSapphire · Aug 13, 2025
MixedSummary of a Reddit comment
Keeps the card only for the LGA Sapphire lounge and hates the new multipliers.
Reddit · r/ChaseSapphire · Nov 10, 2025
NegativeSummary of a Reddit comment
Downgraded after losing 1.5x redemption and 3x travel.
Reddit · r/ChaseSapphire · Oct 3, 2025
NegativeSummary of a Reddit comment
Cruises, tours and transit abroad no longer earn 3x.
Reddit · r/ChaseSapphire · Oct 2, 2025
NegativeSummary of a Reddit comment
Ditching Chase over the 3x travel cut.
Reddit · r/ChaseSapphire · Sep 24, 2025
NegativeSummary of a Reddit comment
The 1.5x redemption made it the best card for budget stays; leaving without it.
Reddit · r/ChaseSapphire · Sep 23, 2025
NegativeSummary of a Reddit comment
Losing 3x on all travel is the real killer for them.
Common questions about Chase Sapphire Reserve
What do customers say about Chase Sapphire Reserve?
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.
Is Chase Sapphire Reserve worth it?
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.
What do people like about Chase Sapphire Reserve?
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.
What are the most common complaints about Chase Sapphire Reserve?
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.
What does the signal score of 79 mean?
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.
What are the specs of Chase Sapphire Reserve?
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.
Where do these Chase Sapphire Reserve reviews come from?
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.