Chase Sapphire Reserve
Annual travelers — the upgrade path from Sapphire Preferred.
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5-year value calculator
How much Chase Sapphire Reserve actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
60,000 points after $4,000 in first 3 months
What you get
- 10x on hotels and rental cars booked via Chase Travel
- 5x on flights booked via Chase Travel
- 3x on all other dining + travel
- $300 annual travel credit
- Priority Pass Select + Chase Sapphire Lounge access
- 50% bonus when redeeming for travel via Chase portal
- No foreign transaction fees
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Chase Sapphire Reserve
The SaaS subscriptions where Chase Sapphire Reserve earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,21,635/yr.
Greenhouse
Premium tier rewards rate of 1% on Greenhouse subscriptions.
Drift
Premium tier rewards rate of 1% on Drift subscriptions.
Vanta
Premium tier rewards rate of 1% on Vanta subscriptions.
Drata
Premium tier rewards rate of 1% on Drata subscriptions.
WorkOS
Premium tier rewards rate of 1% on WorkOS subscriptions.
dbt
Premium tier rewards rate of 1% on dbt subscriptions.
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EXPRESS
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Citi Double Cash
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Set-it-and-forget-it 2% on everything