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Chase Sapphire Reserve
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Chase Sapphire Reserve

Snapshot Summary
The annual fee on the CSR is heavy: $550. But you do get 3x points on dining, 3x points on travel worldwide, and 5-10x points on certain Chase-related travel spend. It still is an excellent card, but if the annual fee increases that may make it less attractive.
The Full Picture

The Chase Sapphire Reserve recently got a refresh (!) - the main change being that the annual fee jumped from $550 to $795! That’s a 45% increase, making it one of the highest increases in the premium market.

So what do you get for this hefty $795 fee as of 2025? Good question.

There are now $2,700 in potential credits:

- $500 hotel credit to the Chase’s luxury hotel collection, the Edit 

- $300 Dining Credit for Sapphire Reserve Exclusive Tables

- $300 StubHub Credit

- $250 Apple TV+ and Apple Music subscriptions

- $120 Peloton Membership

- And you get complimentary IHG one Rewards Platinum Elite status through Dec 31, 2027.

In terms of points multipliers, things have changed quite a bit as well. You now receive 4x points on flights and hotels booked directly, and 8x points on all Chase Travel purchases. You still get the 3x points on dining worldwide, and 1x everywhere else.

There’s also benefits if you hit $75k in annual spend, which you can find out more information on at the CSR website.

My personal take is that the credits aren’t worth it unless you SPECIFICALLY know you will be using the hotel and dining and StubHub credits. The thing is though, just looking at where you can use the dining credits, it’s generally a select few restaurants per city. 

Looking at San Francisco specifically, I don’t eat at any of these restaurants except maybe Che Fico or Little Shucker, and even then, they aren’t in my regular rotation. So I would feel forced to go to them once every 6 months to make use of my Sapphire Reserve card, and that’s of course, if I even remember to.

- San Francisco: Angler, Aziza, Bodega SF, Burdell, Che Fico, Ciccino, Gary Danko, Little Shucker, Niku Steakhouse, Nisei, O’ by Claude Le Tohic, Popoca, Saison, Saison Cellar & Wine Bar, Selby’s, SingleThread Farms, The Progress

For the average credit card user, the Chase Sapphire Reserve feels more lackluster compared to the days of old. You still of course get all the same Lyft and DoorDash credits, the $300 annual travel credit, Global Entry, TSA PreCheck credits as well. 

Still though, all these additional changes to the CSR make it a huge headache to even keep track of everything.

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Humphrey Yang, © 2025.
HUMPHREY’S GUIDE™
Thanks for checking out my guide!
Humphrey Yang, © 2025.
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