Chase Sapphire Reserve vs Fidelity Rewards Visa Signature Card
Annual fees: Chase Sapphire Reserve $795/yr, Fidelity Rewards Visa Signature Card $0/yr. Strongest bonus categories: Chase Sapphire Reserve on travel, Fidelity Rewards Visa Signature Card on everyday spending.
Card data as of November 13, 2026.
Chase Sapphire ReserveChase · $795/yr
Fidelity Rewards Visa Signature CardElan Financial · No annual fee
Overview
- Annual fee
- Chase Sapphire Reserve$795Fidelity Rewards Visa Signature Card$0Lowest
- Welcome offerCurrent public offer
- Chase Sapphire Reserve100,000 pointsFidelity Rewards Visa Signature Card—
- Rewards
- Chase Sapphire ReserveChase Ultimate RewardsFidelity Rewards Visa Signature CardCash back
- Foreign transaction fee
- Chase Sapphire ReserveNoneFidelity Rewards Visa Signature CardNone
- Network
- Chase Sapphire ReserveVisa InfiniteFidelity Rewards Visa Signature CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Flights
- Chase Sapphire Reserve4xFidelity Rewards Visa Signature Card2%
- Hotels
- Chase Sapphire Reserve4xFidelity Rewards Visa Signature Card2%
- Dining
- Chase Sapphire Reserve3xFidelity Rewards Visa Signature Card2%
- Everything else
- Chase Sapphire Reserve1xFidelity Rewards Visa Signature Card2%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Chase Sapphire Reserve
- $300 travel credit
- $500 hotel credit
- $250 select hotels · $250 one-time
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Fidelity Rewards Visa Signature Card- Up to $100 back for Global Entry or TSA PreCheck · $100 every 4 years
- Rideshare & transit
- Chase Sapphire Reserve
- $10/mo Lyft credit · $10 monthly
Fidelity Rewards Visa Signature Card— - Dining & delivery
- Chase Sapphire Reserve
- $300 dining at 275+ restaurants · $150 every 6 months
- $35/mo DoorDash + DashPass · $35 monthly
Fidelity Rewards Visa Signature Card— - Entertainment & streaming
- Chase Sapphire Reserve
- $300 event tickets StubHub
- $27/mo Apple TV & Music · $27 monthly
Fidelity Rewards Visa Signature Card— - Shopping & wellness
- Chase Sapphire Reserve
- $10/mo Peloton credits · $10 monthly
Fidelity Rewards Visa Signature Card—
Perks & access— means none on record
- Lounges
- Chase Sapphire Reserve
- Air Canada Maple Leaf Lounge on Star Alliance (1 guest)
- 1,300+ Priority Pass lounges with 2 free guests
- 8 Chase Sapphire Lounges with 2 free guests
Fidelity Rewards Visa Signature Card— - Hotel status & programs
- Chase Sapphire Reserve
- IHG Platinum Elite with 60% bonus points, no stays
Fidelity Rewards Visa Signature Card- 900+ luxury hotel properties with exclusive perks
- Other perks
- Chase Sapphire Reserve
- $750 in credits plus elite status at $75k spend
- Dedicated Customer Support with 24/7 priority service
- No foreign transaction fees on international purchases
- Roadside Assistance with $50 reimbursement per incident
- Sapphire Reserve Experiences and Venue Benefits
- Travel and Emergency Assistance Services 24/7
Show 1 moreShow fewer
- Reserve Travel Designer complimentary planning service
Fidelity Rewards Visa Signature Card- 24/7 Visa Signature Concierge service
- OpenTable dining access after card verification
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Chase Sapphire Reserve
- Emergency Evacuation up to $100,000 coverage
- Emergency Medical and Dental up to $2,500
- Travel Accident Insurance up to $1,000,000
- Trip cancellation insurance up to $10,000 per person
- Trip delay coverage up to $500 per ticket after 6 hours
Fidelity Rewards Visa Signature Card- Travel Accident Insurance · up to $250,000
- Baggage
- Chase Sapphire Reserve
- Baggage insurance up to $3,000 for lost luggage
Fidelity Rewards Visa Signature Card- Up to $3,000 lost luggage coverage per trip
- Rental car
- Chase Sapphire Reserve
- Primary rental car insurance up to $75,000
Fidelity Rewards Visa Signature Card- Auto rental collision damage waiver · up to $75,000
- Purchase & returns
- Chase Sapphire Reserve
- Purchase protection up to $10,000 per claim for 120 days
- Return protection up to $500 per item within 90 days
Fidelity Rewards Visa Signature Card- $500 per claim on theft or damage
- Extended warranty
- Chase Sapphire Reserve
- Extended warranty adds 1 year to manufacturer coverage
Fidelity Rewards Visa Signature Card— - Other protections
- Chase Sapphire Reserve—Fidelity Rewards Visa Signature Card
- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
- Pros
- Chase Sapphire Reserve
- Up to $2,060 in annual credits and promos can more than cover the $795 fee
- Priority Pass Select with 2 guests included
- Exclusive Chase Sapphire Lounge access
- Primary rental car coverage saves $15-30/day
- Points Boost values points at up to 2 cents each on select flights and hotels through Chase Travel
Fidelity Rewards Visa Signature Card- True 2% unlimited cash back on all purchases with no annual fee
- Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
- No minimum redemption threshold (rewards deposit automatically)
- No foreign transaction fee (removed September 1, 2023)
- Visa Signature benefits in the issuer's Guide to Benefits: purchase security, lost luggage reimbursement, auto rental collision damage waiver, travel accident insurance, concierge
- Cons
- Chase Sapphire Reserve
- $795 annual fee is substantial commitment
- 5/24 rule restricts applicants with recent cards
- Credits require specific spending patterns to use
- $195 authorized user fee with no free users
- No 0% intro APR offer
Fidelity Rewards Visa Signature Card- The 2% cash back value applies only when points are deposited into an eligible Fidelity account
- Not flexible if you ever want to leave Fidelity
- No premium travel benefits or lounge access
- Issued by Elan Financial Services, not Fidelity directly (customer service may vary)
- No welcome bonus is listed on the issuer's page
Category-by-Category Winner
The Chase Sapphire Reserve wins in 3 of 4 categories. The Fidelity Rewards Visa Signature Card leads in 1. 2 more categories depend on booking channel or caps.
Travel
Depends: via Chase Travel portal
Chase Sapphire Reserve earns 8X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Hotels
Chase Sapphire Reserve earns 8X vs 2X
8X via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Flights
Chase Sapphire Reserve earns 8X vs 2X
8X via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Car Rentals
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Reserve earns 8X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Dining
Chase Sapphire Reserve earns 3X vs 2X
Everyday purchases
Fidelity Rewards Visa Signature Card earns 2X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | Chase Sapphire Reserve | Fidelity Rewards Visa Signature Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $281 Credits (our usable estimate): $995 − Annual fee ($795) Ongoing: $481 Year one: $2,406 | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $240 | Close — depends on how much of the credits you use | Chase Sapphire Reserve |
| Heavy spender: $4,000/month | Rewards: $1,123 Credits (our usable estimate): $995 − Annual fee ($795) Ongoing: $1,323 Year one: $3,248 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $960 | Close — depends on how much of the credits you use | Chase Sapphire Reserve |
Is the Fee Difference Worth It?
The Chase Sapphire Reserve costs $795/yr — that's $795 more than the Fidelity Rewards Visa Signature Card (no annual fee). To justify that gap, you need to extract at least $795 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve includes travel credits, dining credits, lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $795 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $795 fee gap means the Chase Sapphire Reserve needs roughly $795 more in annual rewards (or credits you will use) to break even on travel and hotels and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Fidelity Rewards Visa Signature Card means losing:
- -Airport lounge access
Which Card Is Right for You?
Get the Chase Sapphire Reserve if you:
- +Spend $300+/month on restaurants and dining out
- +Fly frequently and value airport lounge access
Get the Fidelity Rewards Visa Signature Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Close — depends on how much of the credits you use
Everyday (non-bonus) spend earns 2X on the Fidelity Rewards Visa Signature Card vs 1X on the other card.
Published annual fees: Chase Sapphire Reserve $795/yr, Fidelity Rewards Visa Signature Card $0/yr — a $795 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Chase Sapphire Reserve worth the higher annual fee?
- The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Fidelity Rewards Visa Signature Card. Compare the year-one vs ongoing value table on this page — the $795 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Chase Sapphire Reserve also lists lounge access, travel credits, dining credits).
- Which card earns more rewards, the Chase Sapphire Reserve or Fidelity Rewards Visa Signature Card?
- The Fidelity Rewards Visa Signature Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Chase Sapphire Reserve have that the Fidelity Rewards Visa Signature Card doesn't?
- The Chase Sapphire Reserve offers lounge access, travel credits, dining credits. The Fidelity Rewards Visa Signature Card focuses more on earn rates than premium perks.
- Should I get the Chase Sapphire Reserve or the Fidelity Rewards Visa Signature Card?
- Use the spend scenarios on this page: the Fidelity Rewards Visa Signature Card has a lower $0/yr fee; the Chase Sapphire Reserve must earn enough extra (or offer a larger welcome bonus) to justify $795/yr.
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.