Rental car insuranceWhen you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.Carried by 186 of 581 cards in the catalog
Chase
Sapphire Reserve
$795 a yearEverything this card owes you
8statement credits
$1,970at face value, a year
17protections included
8spend categories that earn extra
2 of those 8 credits pay nothing until they are activated.
The Edit hotel credit$500
Dining credit$300
Travel credit$300
StubHub credit$300
DoorDash promos$300
Lyft credit$120
Peloton credit$120
Global Entry / TSA PreCheck / NEXUS credit$30
What the number is made of
Your card carries $1,970 in credits.
Not points and not a valuation. Statement credits with real dollar amounts, attached to real things — a hotel night, a dinner, a membership, a flight you were taking anyway.
The card year
Every credit, on its own clock
The fee is the debit and every credit pays it back — but only inside the window it is live. Mark what you would really use and watch both the calendar and the balance change.
Selections start at “Never.” “Sometimes” counts a credit at 50% of its annual value; “I'd use this” counts it in full. Several of these credits have to be switched on in the issuer's app before they pay anything — that's the “needs activation” tag below.
CreditJFMAMJJASONDWould you use it?
Travel credit$300face value$0you get backresets once a yearshared
Global Entry / TSA PreCheck / NEXUS credit$30face value$0you get backresets once a yearshared
You get back$0Nothing selected yet — mark the credits you would use above.
Annual fee$795Charged in full, every year, whether you collect or not.
Your effective annual fee$795What the card really costs you once your credits are counted.
Window you would useWindow you would notCard anniversary, not the calendar
Activation
Benefits require activation. We make it easy to enroll in each perk.
Most premium card credits don't start paying automatically. Turn one on in the issuer's app before you count on it.
$0Mark the credits you would use above and this shows what has to be switched on before it pays.Get started — track your activations
How to activate each credit
StubHub credit2 steps$300
- Activate the events credit
- Buy tickets with this card
DoorDash promos2 steps$300
- Link the card in the delivery app
- Claim the monthly promos before they expire
What you're covered for
The protections, and how rare they are
These carry no honest dollar value, so they stay out of the ledger above. What they have instead is scarcity: most cards don't carry them.
5 protections included on this card
Rental car insuranceWhen you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.Carried by 186 of 581 cards in the catalog
Purchase protectionCovers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.Carried by 146 of 581 cards in the catalog
Extended warrantyExtends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.Carried by 178 of 581 cards in the catalog
Return protectionWhen you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.Carried by 42 of 581 cards in the catalogWhat you get in
Access and status
12 access and status perks on this card
Airport lounge accessEnjoy complimentary access to every Chase Sapphire Lounge by The Club with up to two guests, plus access to 1,300+ Priority Pass airport lounges worldwide. Also get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.Carried by 47 of 581 cards in the catalog
IHG One Rewards Diamond Elite statusGet IHG One Rewards Diamond Elite status after you spend $75,000 on your Sapphire Reserve card each calendar year.Not tracked across the catalog yetIHG One Rewards Platinum Elite statusHotel stays just got even better. Chase Sapphire Reserve cardmembers are rewarded with complimentary IHG® Platinum Elite status until December 21, 2027.Not tracked across the catalog yetBefore the card arrives
Track this one from day one
Seven to ten days pass between applying and the card landing. The wallet is built before it arrives — every credit, every reset date, and the 2 activation steps that decide whether the first month pays anything.
Build my wallet
We'll hold the answers you gave above.
Where these figures come from
Verified, drafted, and dated
All 8 credit values on this page reconcile to the published catalog total of $1,970. Reset cadence, activation requirements, and shared-versus-per-user status come from the same catalog, not a separate estimate.