- Annual Fee
- $795
- Ongoing Annual Value
- $1,724
- First-Year Value Estimate
- $1,169
- Net Value
- +$929
Earning Structure
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Where this card ranks
- Listed among 94 cards for flights6.0%
- Listed among 102 cards for hotels6.0%
- Listed among 144 cards for dining4.5%
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Worth it for me?Credits & Perks (11)
- The Edit by Chase Travel: $250 (Semi Annual Calendar Year)
Up to $250 twice per calendar year for prepaid bookings made with The Edit by Chase Travel. Two-night minimum stay required.
- Travel: $300 (Annual Cardmember Year)
No activation required. Automatic statement credits for eligible travel purchases each account anniversary year.
- OpenTable Exclusive Tables Dining: $150 (Semi Annual Calendar Year)
Activation required: Link card to OpenTable account. Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for dining at restaurants that are part of our Sapphire Reserve Exclusive Tables.
- StubHub and viagogo: $150 (Semi Annual Calendar Year)
Activation required: One-time activation through chase.com or Chase Mobile app. Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for StubHub and viagogo purchases through 12/31/27.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Lyft: $10 (Monthly)
In-app credit (activation required, through 9/30/2027)
- Peloton: $10 (Monthly)
Up to $120 in annual statement credits towards Peloton memberships, including All-Access Membership, Rental, App One, App+, Guide or Strength+. Activation required (through 12/31/2027).
- DoorDash: $5 (Monthly)
Monthly credit on DoorDash restaurant orders with DashPass (activation required, through 12/31/27)
- DoorDash Grocery/Retail (non-restaurant): $10 (Monthly)
First of 2 monthly credits on non-restaurant DoorDash orders with DashPass (activation required, through 12/31/27)
- DoorDash Grocery/Retail (non-restaurant): $10 (Monthly)
Second of 2 monthly credits on non-restaurant DoorDash orders with DashPass (activation required, through 12/31/27)
- Chase Travel Hotel (2026): $250 (Annual Calendar Year)
From January 1, 2026, through the end of the year, cardholders will get up to $250 in statement credits for prepaid bookings through Chase Travel for select hotel chains (IHG Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Pendry Hotels & Resorts, Montage Hotels & Resorts, Minor Hotels, Pan Pacific Hotels & Resorts). A minimum stay of two nights is required.
Lounge Access (3)
- Priority Pass Select (Unlimited) — 2 free guests, paid guests allowed
- Chase Sapphire Lounge (Unlimited) — 2 free guests, paid guests allowed
- Air Canada Maple Leaf Lounge (Unlimited) — 1 free guest, paid guests allowed
Elite Status (6)
- Marriott Bonvoy: Gold
- IHG One Rewards: Platinum
- IHG One Rewards: Diamond
- World of Hyatt: Explorist
- Southwest Rapid Rewards: A-List
- National Emerald Club: Executive
Protections (12)
- Baggage Delay — up to $500 — Up to $100 per day for up to 5 days when bags delayed 6+ hours. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Travel Accident Insurance — up to $1,000,000 — Up to $1,000,000 for death/dismemberment on common carrier. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Trip Cancellation/Interruption — up to $10,000 — Up to $10,000 per traveler, $20,000 per trip for non-refundable costs. Pay for any part of your trip with your card to be eligible for this benefit.
- Trip Delay — up to $500 — Up to $500 per traveler for delays over 6 hours. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Lost Luggage — up to $3,000 — Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Emergency Evacuation — up to $100,000 — Coverage for emergency medical evacuation costs up to $100,000. Pay for any part of your trip with your card to be eligible for this benefit.
- Emergency Medical/Dental — up to $2,500 — Up to $2,500 for emergency medical and dental expenses. Put any part of common carrier transportation on your card to be eligible for this benefit.
- Purchase Protection — up to $10,000 — 120 days coverage for theft/damage/involuntary parting
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original)
- Return Protection — up to $500 — Up to $500 per item when retailer won't accept return
- Auto Rental Collision Damage Waiver (primary) — up to $75,000 — Primary coverage up to $75,000 for rental car damage/theft (secondary for NY residents with personal auto insurance). Pay for the full cost on your card to be eligible for this benefit.
- Roadside Assistance — up to $50 — Up to $50 per incident, max 2 gallon fill up, 4 times per year
Other Perks
- Points Boost feature: Baseline 1.0¢ per point in Chase Travel; up to 2.0¢ on select hotels and flights
- Complimentary Apple TV+ and Apple Music subscriptions (through 6/22/2027)
- Reserve Travel Designer: Complimentary personalized travel planning service (valued at up to $300 per trip)
- Grandfathering: Points earned through October 25, 2025 by cardmembers who applied before June 23, 2025 can be redeemed at 1.5¢ per point in Chase Travel until October 25, 2027.
- Complimentary DashPass for DoorDash and Caviar: activate by 12/31/2027 for at least 12 months of membership
- Big Spend Benefits (after $75K annual spend): $250 credit for The Shops at Chase
- Big Spend Benefits (after $75K annual spend): $500 credit for Southwest Airlines purchases through Chase Travel
