Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Verizon Visa Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve or Verizon Visa Card?

The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Reserve have that the Verizon Visa Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Reserve or the Verizon Visa Card?

Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Verizon Visa Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve or Verizon Visa Card?

The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Reserve have that the Verizon Visa Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Reserve or the Verizon Visa Card?

Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Verizon Visa Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve or Verizon Visa Card?

The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Reserve have that the Verizon Visa Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Reserve or the Verizon Visa Card?

Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Chase Sapphire Reserve vs Verizon Visa Card

The Verizon Visa Card ($0/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Chase Sapphire Reserve

Chase

No image

Verizon Visa Card

Synchrony

Fees & Welcome Offer

Annual Fee

$795

Welcome Bonus

125,000 Flex point

—

Earn Rates

Category	Chase Sapphire Reserve	Verizon Visa Card
Dining	3X	4X
Flights	4X

Category-by-Category Winner

The Verizon Visa Card wins in 4 of 6 categories. The Chase Sapphire Reserve leads in 2.

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Dining

Verizon Visa Card earns 4X vs 3X

Verizon Purchases

Verizon Visa Card earns 4X vs 1X

Grocery Stores

Verizon Visa Card earns 4X vs 1X

Gas Stations

Verizon Visa Card earns 4X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Reserve costs $795/yr — that's $795 more than the Verizon Visa 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 offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

Bottom line: The $795 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly — otherwise the Verizon Visa Card delivers strong value at a fraction of the cost.

What You Give Up

The Bottom Line

The Verizon Visa Card has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Verizon Visa Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.

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 Verizon Visa Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve or Verizon Visa Card?: The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Reserve have that the Verizon Visa Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Reserve or the Verizon Visa Card?: Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Capital One Venture vs Chase Sapphire Reserve Capital One Venture X vs Chase Sapphire Reserve

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Chase Sapphire Reserve — Full Review All Chase Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Synchrony cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Chase Sapphire Reserve vs Verizon Visa Card

The Verizon Visa Card ($0/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Chase Sapphire Reserve

Chase

No image

Verizon Visa Card

Synchrony

Fees & Welcome Offer

Annual Fee

$795

Welcome Bonus

125,000 Flex point

—

Earn Rates

Category	Chase Sapphire Reserve	Verizon Visa Card
Dining	3X	4X
Flights	4X

Category-by-Category Winner

The Verizon Visa Card wins in 4 of 6 categories. The Chase Sapphire Reserve leads in 2.

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Dining

Verizon Visa Card earns 4X vs 3X

Verizon Purchases

Verizon Visa Card earns 4X vs 1X

Grocery Stores

Verizon Visa Card earns 4X vs 1X

Gas Stations

Verizon Visa Card earns 4X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

What You Give Up

The Bottom Line

The Verizon Visa Card has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Verizon Visa Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.

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 Verizon Visa Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve or Verizon Visa Card?: The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Reserve have that the Verizon Visa Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Reserve or the Verizon Visa Card?: Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Capital One Venture vs Chase Sapphire Reserve Capital One Venture X vs Chase Sapphire Reserve

Explore More

Chase Sapphire Reserve — Full Review All Chase Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Synchrony cards

Chase Sapphire Reserve vs Verizon Visa Card

The Verizon Visa Card ($0/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Chase Sapphire Reserve

Chase

No image

Verizon Visa Card

Synchrony

Fees & Welcome Offer

Annual Fee

$795

Welcome Bonus

125,000 Flex point

—

Earn Rates

Category	Chase Sapphire Reserve	Verizon Visa Card
Dining	3X	4X
Flights	4X

Category-by-Category Winner

The Verizon Visa Card wins in 4 of 6 categories. The Chase Sapphire Reserve leads in 2.

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Dining

Verizon Visa Card earns 4X vs 3X

Verizon Purchases

Verizon Visa Card earns 4X vs 1X

Grocery Stores

Verizon Visa Card earns 4X vs 1X

Gas Stations

Verizon Visa Card earns 4X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

What You Give Up

The Bottom Line

The Verizon Visa Card has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Verizon Visa Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.

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 Verizon Visa Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve or Verizon Visa Card?: The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Reserve have that the Verizon Visa Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Reserve or the Verizon Visa Card?: Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Capital One Venture vs Chase Sapphire Reserve Capital One Venture X vs Chase Sapphire Reserve

Explore More

Chase Sapphire Reserve — Full Review All Chase Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Synchrony cards

Pros & Cons

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

−$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

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Pros & Cons

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

−$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

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Pros & Cons

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

−$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

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Chase Sapphire Reserve vs Verizon Visa Card

Chase Sapphire Reserve

Verizon Visa Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Reserve vs Verizon Visa Card

Chase Sapphire Reserve

Verizon Visa Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Reserve vs Verizon Visa Card

Chase Sapphire Reserve

Verizon Visa Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?