Sapphire Reserve

Chase · VISA INFINITE · annual fee $795

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 8× Chase Travel portal
• 4× Flights, booked direct
• 4× Hotels, booked direct
• 3× Dining, worldwide
• 5× Lyft (through Sep 2027)
• 1× Everything else

Statement credits, at their advertised value

• Annual Travel Credit, up to $300 a year
• Apple TV+ & Apple Music, up to $288 a year
• The Edit Hotel Credit, up to $500 a year
• Chase Travel Hotels Credit, up to $250 a year
• Dining Credit, up to $300 a year
• StubHub / viagogo, up to $300 a year
• DoorDash DashPass, up to $120 a year
• DoorDash Promos, up to $300 a year
• Lyft Ride Credits, up to $120 a year
• Global Entry / TSA PreCheck / NEXUS Credit, up to $30 a year
• Peloton, up to $120 a year

Advertised total $2,628 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

No foreign transaction fee.

Purchase APR: 19.49%-27.99%

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/chase-sapphire-reserve.