Chase Sapphire Reserve Review 2026

The $300 travel credit applies automatically as a statement credit to travel purchases — no enrollment required. It covers a broad range of travel merchants including airlines, hotels, car rentals, and transit. The credit refreshes each cardmember year. After the credit, the net annual fee is $495.

Reserve is better for frequent travelers who will consistently use the $300 travel credit and Priority Pass lounge access, and who spend heavily in travel and dining. Preferred is better for moderate travelers who want transferable points without a $795 gross fee. At high travel spend, Reserve's 1.5 cents per point redemption value and lounge access tip the math in its favor.

It includes Priority Pass Select membership, which provides access to 1,300+ airport lounges worldwide. Priority Pass Select allows access to the lounges themselves — it doesn't include Amex Centurion Lounges or Capital One Lounges, which require those issuers' cards.

A 740+ personal FICO is a typical floor — higher than Sapphire Preferred. Chase also applies the 5/24 rule. You cannot hold both Sapphire Reserve and Sapphire Preferred simultaneously, and Chase limits new Sapphire bonuses to once per 48 months.

Yes — Chase Sapphire Reserve includes a complimentary DashPass membership (DoorDash's subscription that waives delivery fees on qualifying orders). Enrollment is required through the Chase rewards portal. Verify the current benefit period and activation steps at the Chase issuer page, as benefit terms are subject to change.

The $300 annual travel credit applies automatically to a broad range of travel merchants — including airlines, hotels, car rentals, taxis, rideshares, transit (subway, trains, buses), ferries, and parking. No category selection is required in advance; credits post automatically. The credit resets each cardmember anniversary year, not on a calendar-year basis.