Chase Sapphire Reserve review
A strong pick if you spend a lot on hotels and airfare, where it's among the top three of the 106 cards we track.
- Updated October 16, 2026
- $795 annual fee
- Earns Chase Ultimate Rewards
- 106 cards compared
Who it suits
Chase Sapphire Reserve
- #1 of 106 for hotels: $6.00 back on $100 (6%).
- #2 of 106 for airfare: $6.00 back on $100 (6%).
- At Lyft: $7.50 back on $100 (7.5%).
- Its $795 yearly cost pays for itself after about $26,500 a year on hotels, compared with the best card with no annual fee.
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on hotelsWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $4.50 4.5% | #5 of 106 |
| Groceries | $1.50 1.5% | #57 of 106 |
| Gas | $1.50 1.5% | #64 of 106 |
| Travel | $1.50 1.5% | #41 of 106 |
| Airfare | $6.00 6% | #2 of 106 |
| Hotels | $6.00 6% | #1 of 106 |
| Transit | $1.50 1.5% | #51 of 106 |
| Streaming | $1.50 1.5% | #39 of 106 |
| Drugstores | $1.50 1.5% | #30 of 106 |
| Online shopping | $1.50 1.5% | #30 of 106 |
| Wholesale clubs | $1.50 1.5% | #28 of 106 |
| Everything else | $1.50 1.5% | #27 of 106 |