Chase Sapphire Reserve®

$795 is not a card fee, it's a subscription. In this catalog the next most expensive card is Capital One Venture X at $395, and after that it drops to $95. To break even purely on earning, at the card's 3x rate on dining you would need to spend on the order of tens of thousands of dollars a year in that category alone — which is why nobody actually justifies this card that way.

Premium cards of this kind are justified by credits and benefits rather than by points: travel credits, lounge access, and elevated redemption values. Our catalog verifies the fee and the earning rates, not the credit package, so the honest instruction is to write down which specific credits you will use, total them, and compare that number to $795 before applying. If the total is a guess, the answer is no.

8x points on Chase Travel purchases is the second-highest multiple in this catalog, behind Citi Strata Premier's 10x — and both are portal-bound, so neither is quite what the headline suggests. The rate that does real work is the 4x on flights and hotels booked direct, where only Wells Fargo Autograph Journey pays more, and only on hotels. 3x on dining worldwide is the same headline number as Chase Freedom Unlimited's 3%, but expressed in points rather than cash and without the U.S.-only restriction some dining categories carry.

Everything else earns 1x. On a card costing $795 a year, that base rate is worth noticing: ordinary spending on this card earns less than on any flat 2% card in the catalog, all of which are free.

There are nine cards with an annual fee in this catalog. Seven of them cost $89 or $95. One costs $395. This one costs $795 — more than the other eight put together. That is not a difference of degree, and it means the card cannot be judged by the same test as the rest.

At 3x on dining, the highest rate here that applies to spending you do without booking anything, $795 is a lot of restaurant meals before the points alone cover it. Which is the wrong way to read this card: nobody holds a $795 card expecting the earn rate to pay the fee.

Travel credits, lounge access and elevated redemption values are where a fee at this level is supposed to come back, and none of them are figures this site carries with a source and a date. What we can verify is the fee, the APR of 19.49% to 29.99%, and the earning rates: 8x through Chase Travel, 4x on flights and hotels booked direct, 3x on dining worldwide, 1x on everything else.

So this page can tell you the 8x is the second-highest portal rate here, behind Citi Strata Premier's 10x on a $95 card. It cannot tell you whether the credits clear $795 for you, because that depends on benefits we have not read in Chase's own disclosure. Do that arithmetic on Chase's page with your own travel pattern before applying — on this card it is the whole decision.

There are nine cards with an annual fee in this catalog. Seven of them cost $89 or $95. One costs $395. This one costs $795 — more than the other eight put together. That is not a difference of degree, and it means the card cannot be judged by the same test as the rest.

At 3x on dining, the highest rate here that applies to spending you do without booking anything, $795 is a lot of restaurant meals before the points alone cover it. Which is the wrong way to read this card: nobody holds a $795 card expecting the earn rate to pay the fee.

Travel credits, lounge access and elevated redemption values are where a fee at this level is supposed to come back, and none of them are figures this site carries with a source and a date. What we can verify is the fee, the APR of 19.49% to 29.99%, and the earning rates: 8x through Chase Travel, 4x on flights and hotels booked direct, 3x on dining worldwide, 1x on everything else.

So this page can tell you the 8x is the second-highest portal rate here, behind Citi Strata Premier's 10x on a $95 card. It cannot tell you whether the credits clear $795 for you, because that depends on benefits we have not read in Chase's own disclosure. Do that arithmetic on Chase's page with your own travel pattern before applying — on this card it is the whole decision.