Chase · card facts

Chase Sapphire Reserve

Sapphire Lounges + Priority Pass Select + Air Canada lounge access.

WELCOME BONUS100k pointsSpend $6,000

ANNUAL FEE$795First year: $795

CREDITSEasy$550/yr advertised

LOUNGE ACCESSChase Sapphire + Priority Pass2 complimentary

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$3,060

Welcome bonus · TPG est.+$2,050

Full advertised annual credits+$550

Rewards on $36,000 benchmark spend+$1,255

First-year annual fee−$795

Keep / year · best case credits

+$1,010

Definitely keep

This recurring estimate uses the full advertised credit amount. The Easy label tells you how realistic it may be to capture all $550 of those credits.

Advertised credits$550

Credit difficultyEasy

TPG Aug. 2026 value2.05¢

Annual fee$795

Fee minus advertised credits$245 cost

Credit details

$550 advertised per year · Easy to use fully

Card creditsVaries · Varies difficulty

$550 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

Chase Sapphire + Priority Pass

Sapphire Lounges + Priority Pass Select + select Air Canada lounges.

Guest rule2 complimentary

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Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.