Sapphire Reserve Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Sapphire Reserve earns 8.0X on chase_travel, 4.0X on flights, 4.0X on hotels, 3.0X on dining, 1.0X on all_purchases with a $795 annual fee. The current signup bonus is 125,000 points (worth $2,500 at portal rates) after $6,000 spend. Points transfer 1:1 to airline and hotel partners.
4.9/5
Overall
5.0/5
Rewards
5.0/5
Benefits
5.0/5
Value
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Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| chase_travel | 8X pts/$ | 20.00¢ | Varies |
| flights | 4X pts/$ | 10.00¢ | Varies |
| hotels | 4X pts/$ | 10.00¢ | Varies |
| dining | 3X pts/$ | 7.50¢ | Varies |
| all_purchases | 1X pts/$ | 2.50¢ | Varies |
| Everything Else | 1X pts/$ | 2.50¢ | All |
Check MCCMCC Lookup Tool
Signup Bonus Value
125,000 points CHASE Points
Spend $6,000 in first 3 months
Cash / statement credit$2,500
Portal redemption (2.50¢/pt)$6,250
Maximum value$6,250
Benefits
Emergency Medical and Dental
$2,500
Lost Luggage Reimbursement
$3,000
Trip Cancellation/Interruption Insurance
$10,000
Trip Delay Reimbursement
$500
Baggage Delay Insurance
$100
Primary Auto Rental Coverage
$75,000
Purchase Protection
$10,000
Extended Warranty Protection
Included
Emergency Evacuation/Transportation
$100,000
Priority Pass Select + Chase Sapphire Lounges
$469
Global Entry/TSA PreCheck/NEXUS Credit
$120
IHG One Rewards Platinum Elite Status
Included
Effective Annual Fee
Annual fee–$795
$500 The Edit Hotel Credit+$500
$300 DoorDash Credits+$300
$300 Dining Credit+$300
$300 StubHub Credit+$300
$300 Annual Travel Credit+$300
$288 Apple Subscriptions+$288
$120 DashPass+$120
$120 Lyft Credits+$120
$120 Peloton Credit+$120
Net annual cost+$1,553 (you come out ahead)
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by CHASE and subject to change. Verify all information on the issuer's website before applying.
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Strengths and Weaknesses
Strengths
- Signup bonus worth up to $3,125
- 8X top earn rate on bonus categories
- 1:1 transfer to airline and hotel partners
- No foreign transaction fees
Weaknesses
- $795 annual fee
- 1X base rate on non-bonus spending
Who This Card Is For
Point Maximizers
Transfer partners unlock premium redemption value
Foodies & Diners
Bonus earning on restaurants and delivery
International Travelers
No foreign transaction fees
Frequent Travelers
Bonus earning on travel purchases
Frequently Asked Questions
Is the Sapphire Reserve worth $795/year?
For moderate spenders, generally yes. The Sapphire Reserve offers rewards and benefits that typically exceed the $795 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Sapphire Reserve?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Sapphire Reserve?
The current signup bonus is 125,000 points. Check the issuer's website for the latest offer details and spending requirements.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.