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List of Chase Sapphire Reserve® benefits

As of February 2026, the card has undergone significant changes, including a higher annual fee, a restructured rewards-earning system, and a new set of lifestyle and travel credits. Most notably, the 3x points on general travel has been removed, and the 50% redemption bonus through Chase Travel is no longer available to new applicants.

Here is a complete, updated breakdown of the card's benefits.

1. Fees & Welcome Offer

  • Annual Fee: $795 (Increased from $550).
  • Authorized User Fee: $195 annually per user (Increased from $75).
  • Welcome Bonus: Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. Note: Offers can change at any time.

2. Earning Ultimate Rewards Points

The earning structure has changed significantly, placing a much greater emphasis on booking through Chase's own portal. The broad "3x on all other travel" category has been eliminated.

  • 8x Total Points: On hotels and car rentals purchased through Chase Travel℠.
  • 5x Total Points: On flights purchased through Chase Travel℠.
  • 4x Points: On flights and hotels booked directly with airlines and hotels.
  • 3x Points: On dining at restaurants worldwide, including eligible delivery services and takeout.
  • 10x Total Points: On Chase Dining purchases with prepaid reservations.
  • 1x Point: On all other purchases, including travel not booked through Chase or directly with the provider (e.g., cruises, tours, transit).

Partner Bonus Earnings: * 5x Total Points: On Lyft rides through September 30, 2027. * 10x Total Points: On Peloton equipment and accessory purchases over $150 (up to 50,000 points total) through December 31, 2027.

3. Redeeming Ultimate Rewards Points

  • Important Change for New Applicants: If you apply now, you will no longer receive the flat 50% bonus (making points worth 1.5 cents) when redeeming for travel through Chase. Instead, you will have access to "Points Boost," where points can be worth up to 2 cents each on select bookings, but the base redemption rate for travel is 1 cent per point.
  • 1:1 Point Transfer Partners: You can still transfer points at a 1:1 ratio to participating airline and hotel loyalty programs (e.g., United, Hyatt, Marriott, British Airways). This remains one of the most valuable ways to use your points.
  • Pay Yourself Back℠: Redeem points for statement credits in rotating categories. As of Q1 2026, categories include Gas Stations, Gym Memberships & Fitness Clubs, and the Annual Fee at 1.25 cents per point, and select charities at 1.5 cents per point.
  • Cash Back/Gift Cards: Redeem points for cash back or gift cards at a rate of 1 cent per point.

4. Annual Travel & Dining Credits

  • $300 Annual Travel Credit: You automatically receive up to $300 in statement credits each anniversary year for a wide range of travel purchases charged to your card.
  • NEW: Up to $250 Annual Chase Travel Hotel Credit: Get up to $250 in annual statement credits for prepaid hotel bookings made through Chase Travel with specific brands, including IHG, Omni, Fairmont, and more.
  • NEW: Up to $300 Annual Dining Credit: Receive up to $300 in statement credits annually (issued as $25 monthly credits) specifically for use at restaurants listed in the Sapphire Reserve Exclusive Tables program on OpenTable.

5. Airport Lounge Access & Experience

  • Priority Pass™ Select Membership: Complimentary membership for the primary cardholder and authorized users, providing access to over 1,300 lounges worldwide for you and up to two guests per visit.
  • Chase Sapphire Lounge by The Club: Unlimited complimentary access for cardmembers and up to two guests to these premium lounges.
  • Global Entry, TSA PreCheck®, or NEXUS Fee Credit: A statement credit of up to $120 every four years to reimburse the application fee for any one of these programs.

6. Hotel & Rental Car Perks

  • The Edit (formerly LHRC): Get up to $500 in annual statement credits for prepaid bookings of two nights or more at participating properties booked through Chase Travel. This is now available as two separate $250 credits that can be used anytime throughout the year. Bookings also receive benefits like daily breakfast for two and a $100 property credit.
  • Rental Car Elite Status:
    • National Car Rental: Complimentary Emerald Club Executive level status.
    • Avis: Complimentary Avis Preferred Plus status.
  • IHG One Rewards Platinum Elite Status: Complimentary status valid through December 31, 2027.

7. Lifestyle & Partner Benefits

  • Apple Subscriptions: Complimentary access to Apple TV+ and Apple Music through June 22, 2027.
  • DoorDash:
    • Complimentary DashPass membership through December 31, 2027.
    • Up to \(20 in monthly credits** (\)10 twice per month) for **non-restaurant orders (like grocery or convenience stores) on DoorDash. The previous restaurant credit has been discontinued.
  • Lyft: Receive a $10 monthly statement credit for Lyft rides through September 30, 2027. (Note: The complimentary Lyft Pink membership benefit has ended).
  • Peloton: Get up to \(120 in annual statement credits** (\)10 per month) towards an eligible Peloton subscription through **December 31, 2027.
  • NEW: StubHub Credit: Receive up to $300 in annual statement credits for ticket purchases on StubHub, issued as $25 monthly credits.

8. Travel Insurance & Shopping Protections

These core protections remain a strong feature of the card.

  • Auto Rental Collision Damage Waiver (Primary): Coverage for theft and collision damage for most rental cars in the U.S. and abroad.
  • Trip Cancellation/Interruption Insurance: Up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable expenses.
  • Trip Delay Reimbursement: Up to $500 per ticket for delays of more than 6 hours or requiring an overnight stay.
  • Purchase Protection: Covers new purchases for 120 days (90 days for NY residents) against damage or theft, up to $10,000 per claim and $50,000 per year.
  • Extended Warranty Protection: Extends a U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
  • Return Protection: Reimburses up to $500 per item and $1,000 per year for eligible items the store won’t take back within 90 days of purchase.