Chase Sapphire Reserve vs TD Double Up Credit Card
Annual fees: Chase Sapphire Reserve $795/yr, TD Double Up Credit Card $0/yr. Strongest bonus categories: Chase Sapphire Reserve on travel, TD Double Up Credit Card on everyday spending.
Card data as of November 13, 2026.
Chase Sapphire ReserveChase · $795/yr
- TD Double Up Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- Chase Sapphire Reserve$795TD Double Up Credit Card$0Lowest
- Welcome offerCurrent public offer
- Chase Sapphire Reserve100,000 pointsTD Double Up Credit Card$200 cash back
- Rewards
- Chase Sapphire ReserveChase Ultimate RewardsTD Double Up Credit Card—
- Foreign transaction fee
- Chase Sapphire ReserveNoneLowestTD Double Up Credit Card3%
- Network
- Chase Sapphire ReserveVisa InfiniteTD Double Up Credit CardVisa Signature
Earn ratesPer $1 spent
- Flights
- Chase Sapphire Reserve4xHighestTD Double Up Credit Card2x
- Hotels
- Chase Sapphire Reserve4xHighestTD Double Up Credit Card2x
- Dining
- Chase Sapphire Reserve3xHighestTD Double Up Credit Card2x
- Everything else
- Chase Sapphire Reserve1xTD Double Up Credit Card2xHighest
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
TD Double Up Credit Card— - Rideshare & transit
- Chase Sapphire Reserve
- $10/mo Lyft credit · $10 monthly
TD Double Up Credit Card— - Dining & delivery
- Chase Sapphire Reserve
- $300 dining at 275+ restaurants · $150 every 6 months
- $35/mo DoorDash + DashPass · $35 monthly
TD Double Up Credit Card— - Entertainment & streaming
- Chase Sapphire Reserve
- $300 event tickets StubHub
- $27/mo Apple TV & Music · $27 monthly
TD Double Up Credit Card— - Shopping & wellness
- Chase Sapphire Reserve
- $10/mo Peloton credits · $10 monthly
TD Double Up Credit 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
TD Double Up Credit Card— - Hotel status & programs
- Chase Sapphire Reserve
- IHG Platinum Elite with 60% bonus points, no stays
TD Double Up Credit Card- Breakfast for 2, upgrades and VIP status at luxury hotels
- 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
TD Double Up Credit Card- 24/7 Visa Signature Concierge service
- Free ticket + presale at Sofar Sounds concerts
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
TD Double Up Credit Card— - Baggage
- Chase Sapphire Reserve
- Baggage insurance up to $3,000 for lost luggage
TD Double Up Credit Card- Up to $3,000 lost luggage coverage per trip
- Rental car
- Chase Sapphire Reserve
- Primary rental car insurance up to $75,000
TD Double Up Credit Card— - 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
TD Double Up Credit Card- $500 per claim on theft or damage
- Extended warranty
- Chase Sapphire Reserve
- Extended warranty adds 1 year to manufacturer coverage
TD Double Up Credit Card- Extended warranty on eligible purchases · up to $1
- Cell phone
- Chase Sapphire Reserve—TD Double Up Credit Card
- Up to $600 cell phone coverage per claim
- Other protections
- Chase Sapphire Reserve—TD Double Up Credit Card
- Zero liability for unauthorized charges
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
TD Double Up Credit Card- Unlimited 2% cash back on all purchases with no category restrictions
- No annual fee
- $200 welcome bonus
- 0% intro APR on balance transfers for 15 billing cycles (transfers within the first 90 days) and on purchases for 12 billing cycles
- Cell phone protection included
- 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
TD Double Up Credit Card- Only available to residents of 16 East Coast states
- 3% foreign transaction fee
- $1,500 spend requirement for welcome bonus (higher than TD Cash)
- 2,500 points ($25) minimum redemption threshold
- Regional bank with limited branch footprint
Category-by-Category Winner
The Chase Sapphire Reserve wins in 3 of 4 categories. The TD Double Up Credit 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; TD Double Up Credit 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; TD Double Up Credit Card earns 2X (2X without restrictions)
Dining
Chase Sapphire Reserve earns 3X vs 2X
Everyday purchases
TD Double Up Credit 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 | TD Double Up Credit 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: $440 | 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: $1,160 | 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 TD Double Up Credit 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.
Which Card Is Right for You?
Get the Chase Sapphire Reserve if you:
- +Spend $300+/month on restaurants and dining out
Get the TD Double Up Credit 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 TD Double Up Credit Card vs 1X on the other card.
Published annual fees: Chase Sapphire Reserve $795/yr, TD Double Up Credit 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 TD Double Up Credit 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 TD Double Up Credit Card?
- The TD Double Up Credit 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 TD Double Up Credit Card doesn't?
- The Chase Sapphire Reserve offers lounge access, travel credits, dining credits. The TD Double Up Credit Card offers cell phone protection.
- Should I get the Chase Sapphire Reserve or the TD Double Up Credit Card?
- Use the spend scenarios on this page: the TD Double Up Credit 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.