Chase · checked Nov 8, 2026
Sapphire Reserve benefits and credits
The Sapphire Reserve has 7 recurring statement credits worth up to $1,640 a year at face value, against a $795 annual fee. Here is every one: what it pays, when it resets and whether you need to enroll.
| Credit | Amount | Resets | Enroll? |
|---|---|---|---|
| Annual travel credit Applies automatically to travel purchases. Resets on your account anniversary. | $300 a year | Resets on your card account anniversary, not on January 1. | No |
| The Edit hotel credit Up to $250 per prepaid booking (2-night minimum), $500 per calendar year. | $500 a year | Resets on January 1. | No |
| Exclusive Tables dining credit Sapphire Reserve Exclusive Tables restaurants on OpenTable. | $150 every six months | Resets on January 1 and July 1. | No |
| StubHub / viagogo credit One-time activation. Runs until 31 Dec 2027. | $150 every six months | Resets on January 1 and July 1. | Yes |
| Peloton membership credit Monthly memberships, not app-store purchases. Runs until 31 Dec 2027. | $10 a month | Resets on the 1st of every month. | Yes |
| Lyft credit In-app Lyft credit. Runs until 30 Sep 2027. | $10 a month | Resets on the 1st of every month. | Yes |
| Global Entry / TSA PreCheck / NEXUS Once every 4 years from your last credit. | $120 every 4 years | Counts from the date of your last credit. | No |
Is the Sapphire Reserve worth it?
On paper the credits cover the fee 2.1 times over. In practice they're spread across 7 separate credits on monthly, quarterly, half-yearly and yearly clocks, and anything unused simply disappears. The honest number is what you actually use, valued at what you'd have paid anyway — that's what Credit Cadence's keep-or-cancel view shows, in your own numbers.
Questions
How many statement credits does the Sapphire Reserve have?
7: Annual travel credit, The Edit hotel credit, Exclusive Tables dining credit, StubHub / viagogo credit, Peloton membership credit, Lyft credit, Global Entry / TSA PreCheck / NEXUS.
How much are the Sapphire Reserve credits worth?
Up to $1,640 a year at face value, plus $120 Global Entry / TSA PreCheck / NEXUS every 4 years. They're only worth that if you use each one before it resets.
What is the Sapphire Reserve annual fee?
$795 a year, as published by Chase on Nov 8, 2026.
When do Sapphire Reserve credits reset?
It depends on the credit: Resets on your card account anniversary, not on January 1. Resets on January 1. Resets on January 1 and July 1. Resets on the 1st of every month. Counts from the date of your last credit. Unused credit generally doesn't roll over.
Which Sapphire Reserve credits need enrollment?
StubHub / viagogo credit, Peloton membership credit, Lyft credit. Enroll in your Chase account first or the credit won't pay.
Is the Sapphire Reserve worth the annual fee?
Only if the credits you actually use — valued at what you'd have paid anyway — plus the card's other perks add up to more than $795. Face value alone is $1,640 a year; most people use some credits fully and others not at all.
Source: Chase, checked Nov 8, 2026. Benefits and terms change; confirm with Chase. Credit Cadence is independent and not affiliated with Chase.
Other cards: Amex Platinum credits · Amex Gold credits · Venture X credits