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You have the Chase Sapphire Reserve®
Chase · $795/yr
What you’re getting
- ✓$300 annual travel credit (applies to virtually any travel purchase)
- ✓Priority Pass Select lounge access (unlimited visits + guests)
- ✓Global Entry / TSA PreCheck credit ($100)
- ✓1.5 cpp on Chase Travel redemptions
- ✓Primary auto rental insurance
- ✓Trip delay / cancellation / baggage insurance
- ✓No foreign transaction fees
3x Travel (after $300 credit)3x Dining1x All else
What you’re probably missing
There's a 2x gap between your worst and best redemption
Chase Ultimate Rewards runs from 1¢ (Cash back / statement credit at 1¢) to 2¢ (Transfers to Hyatt or airline sweet spots). Most people redeem at the bottom of that range without knowing it.
A $795 fee only makes sense if you work the credits
Premium cards front-load statement credits that lapse if unused. If you're not actively tracking activation deadlines and credit calendars, you may be paying more than you're getting back.
The value spread on your points
1¢ floor1.25¢ everyday2¢ maximized
Maximized play: Transfers to Hyatt or airline sweet spots.
Pairs well with
Go deeper
- Chase Sapphire Reserve in 2026: $795 fee, $2,000+ in credits, and a Park Hyatt run on the welcome bonus →
- Authorized users in 2026: when the fee pays off, when it doesn't, and the household point-pooling play most couples miss →
- Transferable Points 101: Why Chase UR, Amex MR, Citi TY, and Capital One Miles Beat Airline-Specific Cards →
This is the generic version.
Sign in, tell us your home airport and where you fly, and we’ll rank cards, airlines, hotels, and award sweet spots for your routes — and value the points you already have.
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