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While this card’s annual fee is $795, making it one of the most expensive premium travel cards on the market, it can be a good fit for some people. What do you get for that hefty annual fee?
There are now $2,700 in potential credits, such as up to $300 in annual travel credit, up to $500 credit for stays with The Edit℠ (Chase’s version of a premium hotels booking portal) up to $300 in dining credit through Sapphire Reserve Exclusive Tables, up to $250 Apple TV+/Apple Music subscriptions, and more. Thankfully, the $300 annual travel credit remains relatively easy to use, since it can be applied to almost *any* travel purchase (Lyfts, Ubers, subway rides, flights, hotels, etc). I find it very easy to get the full value out of this credit.
However, for these credits, it’s pretty important to ask yourself this question: do you SPECIFICALLY know you’ll be able to use them? Many people will be able to use the $300 annual travel credit, but depending on where you live and your travel preferences, it may be harder to use the other credits. 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 like a huge headache to keep track of everything. It may work well for you, but it’s worth just making sure you are getting the value of your money.
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I don’t include all US credit card offers available on this site. Instead, I write primarily about cards which earn airline miles, hotel points, and some cash back (or have points that can be converted into the same).
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