#6 overall · Points card
Chase Sapphire Reserve®
Chase · Visa · Excellent credit required
$550
Annual fee
$750
Welcome bonus
$850
First-year value
$100
Ongoing/yr
Rewards rates
🛒
Groceries
$5700/yr avg spend
3x
+$214/yr
🍕
Dining & Takeout
$3000/yr avg spend
3x
+$113/yr
✈️
Travel & Hotels
$2040/yr avg spend
5x
+$128/yr
⛽
Gas & EV Charging
$2100/yr avg spend
3x
+$79/yr
📺
Streaming
$540/yr avg spend
3x
+$20/yr
🛍️
Everything Else
$7800/yr avg spend
1x
+$98/yr
Based on average US spending. Use your own spending →
✓ Pros
- ✓ 3x on dining worldwide
- ✓ 5x on flights via Chase Travel
- ✓ $300 annual travel credit
- ✓ Priority Pass lounge access
✗ Cons
- ✗ High $550/yr annual fee — only worth it if you use the credits
- ✗ Low 1x earn rate on non-bonus spending
- ✗ Requires excellent credit (720+ recommended)
Is the Chase Sapphire Reserve® worth it?
It depends on your spending. On average US spending, the Chase Sapphire Reserve® generates $100/yr after the $550 fee — that's positive ROI before the welcome bonus. The $750 welcome bonus (if you hit the spend requirement of $4,000 in 3 months) makes year one worth $850 total.
Verdict: Worth it for the right spender — check your category fit first.
Ready to apply?
Current offer: $750 welcome bonus after $4,000 spend in 3 months
Apply for Chase Sapphire Reserve® →You'll be directed to Chase's official application