Chase Sapphire Reserve Benefits 2025

Annual Fee & Value Overview

The Chase Sapphire Reserve has a $795 annual fee. The card offers significant travel credits, lounge access, and strong earning rates on travel and dining.

Statement Credits

Annual Credits

• Travel Credit: $300/year - Automatically applies to travel purchases (flights, hotels, car rentals, trains, taxis, tolls). Resets on membership anniversary.

Semi-Annual Credits

• The Edit Hotel Credit: $250/half ($500/year) - For luxury hotel bookings at The Edit properties, 2-night minimum required
• Dining Credit: $150/half ($300/year) - At Sapphire Exclusive Tables restaurants
• StubHub Credit: $150/half ($300/year) - For StubHub/viagogo purchases, enrollment required (through 12/31/2027)

Monthly Credits

• DoorDash Credits: ~$25/month ($300/year) - $5 restaurant credit plus two $10 grocery/retail promos (through 12/31/2027)
• Lyft Credits: $10/month ($120/year) - In-app credit for Lyft rides (through 9/30/2027)
• Peloton Credit: $10/month ($120/year) - For Peloton memberships (through 12/31/2027)

Airport Lounge Access

Priority Pass Select

Complimentary Priority Pass Select membership with access to 1,300+ airport lounges worldwide. Note: Restaurant credits at Priority Pass restaurants may have limitations.

Chase Sapphire Lounge by The Club

Access to Chase's own Sapphire Lounges with up to 2 complimentary guests. Current locations include Hong Kong (HKG) with more locations planned.

Air Canada Lounges

Access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe when you have an eligible boarding pass.

Partner Benefits

DashPass Membership

Complimentary DashPass membership ($120 value) with $0 delivery fees on eligible DoorDash orders through December 2027.

IHG One Rewards Platinum Elite Status

Complimentary IHG Platinum Elite status through December 2027, including room upgrades, bonus points, and late checkout.

Streaming Benefits

• Apple TV+: Complimentary subscription through June 2027
• Apple Music: Complimentary subscription through June 2027

Points Earning Rates

• 10x points - Peloton equipment/accessories over $150 (through 12/31/2027)
• 8x points - Chase Travel purchases including The Edit hotels
• 5x points - Lyft rides (through 9/30/2027)
• 4x points - Flights booked directly with airlines
• 4x points - Hotels booked directly
• 3x points - Dining at restaurants worldwide
• 1x point - All other purchases

Ultimate Rewards points transfer 1:1 to airline and hotel partners including United, Southwest, Hyatt, Marriott, and British Airways.

Travel Insurance & Protections

Car Rental Insurance (Primary)

Primary coverage up to $75,000 for theft and collision damage on rental vehicles. This is primary coverage, meaning it pays first before your personal auto insurance—a significant advantage over cards with secondary coverage.

Trip Protection

• Trip Cancellation/Interruption: Up to $10,000 per traveler, $20,000 per trip
• Trip Delay: Up to $500 per traveler for delays over 6 hours (meals and lodging)
• Lost Luggage: Up to $3,000 per traveler for lost, damaged, or stolen baggage
• Baggage Delay: Up to $100/day for 5 days for essentials when baggage delayed 6+ hours

Medical & Emergency

• Travel Accident Insurance: Up to $1,000,000 for accidental death or dismemberment
• Emergency Evacuation: Up to $100,000 for medical evacuation 100+ miles from home
• Emergency Medical: Up to $2,500 for medical expenses when 100+ miles from home

Purchase Protections

• Purchase Protection: Up to $10,000 per item for 120 days
• Extended Warranty: Adds 1 year to manufacturer warranties up to 3 years
• Return Protection: Up to $500 per item, $1,000 per year

Other Benefits

• Global Entry/TSA PreCheck Credit: Up to $120 every 4 years
• No Foreign Transaction Fees
• Reserve Travel Designers: Custom trip planning valued at up to $300 per trip
• Reserved by Sapphire: Access to special experiences in travel, dining, entertainment
• Points Never Expire: Ultimate Rewards points don't expire while account is open
• 1:1 Point Transfers: Transfer to airline and hotel partners at 1:1 value

$75,000 Annual Spend Benefits

Spending $75,000 or more per year unlocks additional benefits:

• IHG Diamond Elite Status
• $250 Shops at Chase credit
• $500 Southwest credit
• Southwest A-List Status

Is the Chase Sapphire Reserve Worth It?

The Chase Sapphire Reserve is best for frequent travelers who want flexible travel credits and strong insurance coverage. The $795 annual fee can be offset by:

• $300 travel credit (easy to use)
• $300 DoorDash credits
• $120 Lyft credit
• $120 Peloton credit
• Priority Pass lounge access value
• Primary car rental insurance (saves ~$20-30/day)

The CSR's flexible $300 travel credit is easier to use than Amex Platinum's airline fee credit. The primary car rental insurance is a standout benefit. However, the Amex Platinum offers better lounge access (Centurion Lounges) and hotel status.