Chase · $795 annual fee
Chase Sapphire Reserve benefits and credits
Chase Sapphire Reserve combines a broad $300 annual travel credit with separate dining, hotel, delivery, rideshare, ticketing, fitness, and trusted-traveler benefits. The credits do not share one schedule, so review each monthly, semiannual, annual, or four-year period separately.
What stands out
$300 annual travel credit
Eligible travel purchases can receive up to $300 in automatic statement credits under the current Chase terms.
Dining and hotel credits use different limits
The Exclusive Tables dining credit provides up to $150 in each half of the year. The Edit provides up to $250 per qualifying prepaid booking, capped at $500 per calendar year, with a two-night minimum.
Monthly and multi-year benefits
DoorDash, Lyft, and Peloton benefits need monthly attention, while the Global Entry, TSA PreCheck, or NEXUS credit returns once every four years.
$1,470
estimated annualized value
$795
per year
+$675
Based on full eligible use at face value
8
7 credits · 1 perks
Which credit benefits does this card include?
Annual Travel Credit
Up to $300 per year as an automatic statement credit for travel purchases such as airfare, hotels, car rentals, and more.
$300
annual
Global Entry or TSA PreCheck Credit
Up to $120 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fees.
$120
every 4 years · $30 estimated annualized value
DoorDash Credit
Up to $25 per month in DoorDash credits: $5 restaurant and two $10 grocery/retail credits ($300/year). Through 12/31/2027.
$25
monthly · $300 estimated annualized value
Lyft Cash Credit
Up to $10 per month in Lyft credits ($120/year).
$10
monthly · $120 estimated annualized value
Exclusive Tables Dining Credit
Up to $150 in statement credits every six months at participating Exclusive Tables restaurants ($300/year).
$150
semiannual · $300 estimated annualized value
Ways to use it
- 1.Check in-restaurant gift-card eligibility. Community reports indicate that some in-person gift-card purchases may receive the dining credit. Eligibility can vary by restaurant and charge, so verify before purchasing.
- 2.Book a reservation at an Exclusive Tables restaurant. Chase lists participating restaurants in the Sapphire Lounge app and on the Chase website. The $300/year credit applies when you dine at these locations and pay with your Sapphire Reserve.
Guidance checked April 15, 2026. Verify reported or historical ideas before relying on them.
Watch out
- •Only valid at specific "Exclusive Tables" restaurants — not all restaurants.
- •Must pay with your Sapphire Reserve card at the restaurant.
StubHub Credit
Up to $150 in statement credits every six months at StubHub or Viagogo ($300/year).
$150
semiannual · $300 estimated annualized value
Peloton Credit
Up to $10 per month in statement credits for Peloton memberships ($120/year). Through 12/31/2027.
$10
monthly · $120 estimated annualized value
What other benefits does this card include?
Priority Pass Select
Complimentary Priority Pass Select membership with unlimited lounge visits for the cardholder and up to 2 guests.
Related benefit guides
Frequently asked questions
What is the estimated annualized value of Sapphire Reserve credits?
Chase Sapphire Reserve has 7 listed credits with an estimated annualized value of up to $1,470 when every eligible benefit is fully used. Multi-year credits are averaged across their eligibility periods.
Does the Sapphire Reserve annual fee make sense?
Based on full eligible use at face value, the listed credits' estimated annualized value is about $675 more than the $795 annual fee, before rewards and other benefits. This modeled comparison is not savings. Your usable value depends on whether the credits match spending you would make anyway.
Which Sapphire Reserve benefits should I track first?
Start by reviewing Annual Travel Credit, DoorDash Credit, and Exclusive Tables Dining Credit because they have the largest estimated annualized face value in this guide. Prioritize only the benefits that fit purchases you would otherwise make.
What should I verify before relying on Sapphire Reserve benefits?
Check current Chase terms for enrollment, eligible purchases, spending thresholds, benefit periods, and statement-credit timing. Account-specific terms and card changes can affect what applies to you.
Benefit terms can change. Estimated annualized values model full eligible use at face value and average multi-year credits across their eligibility periods. They do not represent actual savings. Verify current terms with Chase.
Keep these credits on your list
Track all 7 listed credit benefits manually on Free. With Pro, the browser extension can import issuer-reported activity for supported cards after you sign in on the issuer's website and remind you before eligible benefits reset.