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Chase Sapphire Reserve Benefits 2026

Complete list of all Chase Sapphire Reserve benefits. The $795 annual fee includes travel credits, Priority Pass lounge access, and premium travel insurance.

Reviewed August 1, 2026 · Official issuer sources

Maintained card catalog

Current card facts

Annual fee
$795
Rewards
Ultimate Rewards

Recurring benefit windows

  1. DoorDash CreditsUp to $25 · Monthly
  2. Lyft CreditsUp to $10 · Monthly
  3. Peloton CreditUp to $10 · Monthly
  4. Sapphire Exclusive Tables Dining CreditUp to $150 · Semi-annual
  5. StubHub CreditUp to $150 · Semi-annual
  6. Annual Travel CreditUp to $300 · Cardmember year
  7. Chase Travel Hotel Credit (2026)Up to $250 · Calendar year
  8. The Edit Hotel CreditUp to $500 · Calendar year

Earning rules

  1. 10xPeloton equipment and accessories over $150 (through 12/31/2027, up to $5,000 total)
  2. 8xAll purchases through Chase Travel, including The Edit
  3. 5xLyft rides (through 9/30/2027)
  4. 4xFlights booked directly with airlines
  5. 4xHotels booked directly
  6. 3xAt restaurants worldwide
  7. 1xAll other purchases
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Airport Lounge Access

Priority Pass Select

Complimentary Priority Pass Select membership with access to 1,300+ participating airport lounges worldwide. Enrollment, participating locations, and guest terms apply.

Chase Sapphire Lounge by The Club

Access to every Chase Sapphire Lounge by The Club with up to two complimentary guests, subject to current access and guest terms.

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

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
  • Point Transfers: Transfer to participating airline and hotel programs under current partner ratios and terms

$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
  • Up to $120 in annual Peloton credits
  • Priority Pass lounge access value
  • Primary car rental insurance (saves ~$20-30/day)

The flexible $300 travel credit and primary rental coverage may be especially useful for some travelers. Compare the value you actually capture with the annual fee; overlapping lounge or partner benefits should not be counted twice across cards.

FAQ

What are the Chase Sapphire Reserve benefits?

The Chase Sapphire Reserve benefits include: $300 annual travel credit, $500/year The Edit hotel credit, $300/year dining credit at Sapphire Exclusive Tables, $300/year StubHub credit, DoorDash benefits ($25/month credits + DashPass), $120/year Lyft credit, $120/year Peloton credit, Priority Pass Select lounge access, Chase Sapphire Lounge access, IHG Platinum Elite status, primary car rental insurance, and comprehensive travel insurance. The card has a $795 annual fee.

How does the Chase Sapphire Reserve travel credit work?

The Chase Sapphire Reserve $300 annual travel credit automatically applies to travel purchases including airfare, hotels, car rentals, trains, taxis, and tolls. The credit resets on your cardmember anniversary (not calendar year). No enrollment required—credits are applied automatically as statement credits.

What lounge access does Chase Sapphire Reserve include?

The Chase Sapphire Reserve includes: Priority Pass Select membership (1,300+ lounges worldwide), Chase Sapphire Lounge by The Club access with up to 2 guests, and select Air Canada Maple Leaf Lounge access. Unlike Amex Platinum, CSR does not include Centurion Lounge or Delta Sky Club access.

Does Chase Sapphire Reserve have DoorDash benefits?

Yes, the Chase Sapphire Reserve includes DoorDash benefits through December 2027: $5/month for restaurant orders plus two $10/month promos for groceries/retail (effectively $25/month total), and complimentary DashPass membership ($0 delivery fees on eligible orders).

When do Chase Sapphire Reserve credits expire?

CSR credits have different expiration schedules: the $300 travel credit resets on the account anniversary; the dining and StubHub credits have semi-annual caps; DoorDash and Lyft benefits use shorter windows. The Edit provides up to $500 per year with a maximum $250 credit per eligible transaction, while the Peloton credit is capped annually. Check current terms because partner-benefit end dates vary.

Sources

Reviewed August 1, 2026. Terms can change after publication. Confirm eligibility, enrollment, and account-specific terms with the issuer before acting.

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