Cards · Chase · Visa Infinite
Sapphire Reserve
Premium travel with the best transfer partners, if you use the credits.
Track this card in Cardful. Free, nothing to link.
Where it earns
The multipliers.
Paid in Ultimate Rewards, about 2.1¢ a point at RRV. Cardful ranks this card against the rest of your wallet for every purchase, using these rates and an honest point value.
Statement credits
$2,598 a year, if you use all of it.
Each credit runs on its own reset schedule, and each name opens the full breakdown of how it resets and where it is most often wasted. Cardful remembers partial use and reminds you before a window closes.
The honest read
Worth it, or not.
Worth it if
- 4× on flights and hotels booked direct, 3× dining.
- Ultimate Rewards transfer 1:1 to Hyatt, United and a dozen other programs.
- The $300 travel credit is the easiest premium credit to use.
Think twice if
- A $795 fee that only pencils out with real use of the credits.
- The $500 hotel credit comes in two $250 halves and only at The Edit properties.
- DoorDash, Lyft and Peloton credits are monthly and easy to forget.
The fee
Is the fee worth it?
On paper the credits are worth $2,598 a year against a $795 fee. The honest question is which of them you will genuinely use. How the verdict works →
Sapphire Reserve · $795 fee
Every credit used in full, no points counted
Almost nobody uses every credit in every window. Cardful tracks what you actually claim and gives the keep, downgrade or cancel verdict on your real renewal date.
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Terms last verified against the issuer’s published page on . Card terms change without notice — always confirm on the issuer’s site before applying.
Track what you already carry.
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