Is the Chase Sapphire Reserve worth $795/yr?

The honest math on the Chase Sapphire Reserve: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $795 annual fee.

Chase · $795 annual fee · earns Chase Ultimate Rewards

Earning rates

8x Chase Travel portal bookings
4x Flights booked direct
4x Hotels booked direct
3x Dining worldwide
5x Lyft rides
1x Everything else

Statement credits (10)

$300 Annual Travel Credit — Automatic statement credit against almost any travel purchase — flights, hotels, transit, parking.
$500 'The Edit' Hotel Credit — Up to $250 back per half-year on prepaid 2+ night stays booked through The Edit by Chase Travel.
$250 Select Chase Travel Hotels Credit — Up to $250 back on prepaid 2+ night Chase Travel bookings at select hotel brands, through Dec 31, 2026.
$300 Exclusive Tables Dining Credit — $150 per half-year at 'Sapphire Reserve Exclusive Tables' restaurants booked via OpenTable.
$300 StubHub / viagogo Credit — $150 per half-year toward event tickets on StubHub or viagogo.
Apple TV+ & Apple Music — Complimentary Apple TV+ and Apple Music subscriptions (activation required).
DoorDash Monthly Promos — Up to $25/month in DoorDash credits ($5 restaurant + two $10 non-restaurant promos), requires DashPass enrollment.
$10/month Lyft Credit — In-app Lyft credit each month, plus 5x points on Lyft rides.
$10/month Peloton Credit — Statement credit toward Peloton memberships.
Global Entry / TSA PreCheck / NEXUS Credit — $120 application-fee credit once every 4 years (~$30/yr).

Protections and perks (15)

Airport Lounge Access — Priority Pass Select plus Chase Sapphire Lounges by The Club (two guests), and select Air Canada Maple Leaf Lounges (one guest; requires a same-day Star Alliance boarding pass).
DashPass Membership — Complimentary DoorDash DashPass ($0 delivery fees) while enrolled.
IHG One Rewards Platinum Elite Status — Complimentary IHG One Rewards Platinum Elite status through Dec 31, 2027.
Primary Rental Car Coverage — Primary collision/damage coverage on rentals paid with the card — decline the counter CDW.
Trip Cancellation / Interruption — Up to $10,000 per person ($20,000 per trip) for prepaid, non-refundable travel cancelled for covered reasons.
Trip Delay Reimbursement — Up to $500 per covered traveler for lodging/meals when a covered trip is delayed 6+ hours or overnight.
Baggage Delay & Lost Luggage — Up to $100/day (5 days) for delayed bags; up to $3,000 per passenger for lost or damaged luggage.
Purchase Protection — New purchases covered 120 days against damage or theft, up to $10,000 per claim.
Extended Warranty — Adds a year to eligible US manufacturer warranties of 3 years or less.
No Foreign Transaction Fees — No surcharge on purchases abroad.
Emergency Medical & Dental — Up to $2,500 for emergency medical and dental expenses on covered trips far from home.
Emergency Evacuation & Transportation — Up to $100,000 for medical evacuation on covered trips far from home.
Travel Accident Insurance — Up to $1,000,000 in accidental death or dismemberment coverage on covered trips.
Return Protection — Up to $500 per item if a store won't take back an eligible return.
Roadside Assistance — Towing, tire change, battery jump-start, fuel delivery, lockout, and winching — no membership or enrollment needed.

Card data verified against Chase on 2026-08-20.

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