Chase Sapphire Reserve

Chase Sapphire Reserve Bonus Categories

$795/yr annual fee. 8 bonus categories benefits, with what each is worth and the limits that apply.

Annual fee
$795/yr
Estimated value
$10/yr
Benefits
8

10x on peloton

10x points

Hardware and accessory purchases, up to 50,000 total points

3x on dining

3x points

Earn 3x Ultimate Rewards points at restaurants worldwide with no caps or categories

4x on flights booked direct

4x points

Earn 4x Ultimate Rewards on flights booked directly with airlines, outside Chase Travel

4x on hotels booked direct

4x points

Earn 4x Ultimate Rewards on hotels booked directly with the hotel, outside Chase Travel

5x on lyft

5x points

Limited time promotion through Lyft app

$75K Annual Spending Threshold Benefits

Unlock Hyatt Explorist, IHG Diamond and Southwest A-List status, a $250 Shops at Chase credit and a $500 Southwest credit at $75K annual spend.

Pro Tips

  1. 1Hyatt Explorist status (normally requires 30 nights) includes free breakfast, club lounge access, and suite upgrades
  2. 2IHG Diamond Elite (normally requires 70 nights) provides room upgrades, late checkout, and bonus points
  3. 3Southwest A-List includes priority boarding and 25% bonus points on all flights

Value Analysis

Estimated Value
$10

8x on travel booked through Chase Travel

8x points

Earn 8x Ultimate Rewards on all travel booked through Chase Travel — hotels, flights, and car rentals in one category

Ultimate Rewards Earning Rates

Bonus earning

Get 8x points per dollar through Chase Travel, 4x on flights and hotels booked directly, 3x on dining, 1x everywhere else

Pro Tips

  1. 1Chase Travel bookings earn the highest rate (8x), but direct bookings (4x) often include elite benefits and easier changes
  2. 2Combine high earning rates with 1.5cpp redemptions through Chase Travel for effective 12% return on travel portal bookings
  3. 3Look for Points Boost properties and flights that offer up to 2x redemption value (3cpp) on select premium travel

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.