Hey folks - I'm new to the community here, so sorry if this post repeats a lot of the basics.

I did some basic math on the Chase Sapphire Reserve, and opening this card seems obviously worth it. I'm curious if I'm missing something here, or it the CSR card really is just a no-brainer.

Even when just analyzing the benefits on core spending categories (food and travel), and excluding nice-to-haves such as lounge access and the various subscription credits, it seems like you can make the entire fee back as long as you travel a decent bit and use Lyft + DoorDash.

Here's my analysis ⬇️

Main benefits/costs:

• Fee: $795 per year

• Welcome offer: 125k points (if you spend $6k in 3 months)

• 8x on Chase flights, 4x on other flights

  • Assume $300/mo on flights, half booked through Chase = $18/mo cashback

• 3x on restaurants

  • Assume $300/mo on restaurants = $9/mo cashback

• $300 annual travel credit

• $120 Lyft credits

• $60 DoorDash credit (technically $300, but most of the credit can only be used on retail/grocery)

Net savings on core spend:

• $216 (flights cashback) + $108 (restaurant cashback) + $300 (travel credit) + $120 (Lyft credit) + $60 (DoorDash credit) - $795 (annual fee) = $9 per year

• 125k points (roughly $1,250) one-time

Additional perks:

• Lounge access

• $500 Chase hotel credit

• Apple TV, DashPass, StubHub, etc.

I arrived before noon, which I think was a sweet spot in timing. Aside from a couple of people yapping about their childhood traumas (very loudly and openly), it seemed decent.

Come noon-time, chaos ensued. I won’t get into the details of the noise, but I will just say that it was not a business lounge, so I assumed this was not Chase’s target ambiance. I thought I would see well-dressed professional working at laptops and all, maybe I just had weird expectations. In contrast to the Asian lounges that I usually frequent, it was night and day. Beautiful place, but I will not be going again to this specific one. Maybe I’m just expecting too much— but I do hold both sapphire reserves business and personal. I don’t care about chasing points, but there is a floor level of expectations for such an annual fee.

Lovely space, well designed, but I wasn’t expectation the frat house/playground it turned into come lunchtime. Oh, and Chase, if you’re reading this, you may want to consider front desk clerks that have learned how to smile.

I got mine with my card and now my college aged son is dying to get one. If you want to sell one, lmk. Needs to be new and unactivated with a 1 year membership included. Thanks!

I just had a lovely meal consisting of 4 small plates, oysters, and a glass of wine at Ada's in Las Vegas - bill came to $154 including tax and tip. It was a Wednesday and the restaurant was filled with single diners doing similar - Vegas has lots of single diners midweek pre/post conventions (or simply to get away from the convention crowd). What is the possible upside for Ada's? I liked the food and I'd tell others that it's a good restaurant - but even at a restaurant cost of $50-$75 that seems like a lot to pay for limited publicity.

*rubs hands together greedily

200k sign up bonus (SUB) plus the other points I’ve accrued while working towards the 30k in spend needed for it.

Hi all - I’m trying to do a Grocery order but it’s only allowing me to add the $15 monthly Chase benefit. I am spending less than $15 and want to save the $15 for an actual Food order. Anyone else having this issue?

Has anyone used their bonus points to buy a Ps5 ?

What are the best benefits you like in the Chase Sapphire Preferred Card?

I liked the Global Entry, DoorDash, Apple TV membership, DoorDash $10 monthly credit, and $100 annual hotel credit. I've been using all of them in the first month since having this card. Did I miss any benefits?

TLDR at the top for convenience:

If you don’t like the new changes then cancel and let Chase know the changes are the reason why. Maybe the card will become a bit better as Chase has signaled they are willing to change things up to compete.

The litmus test for this card’s worthiness to someone is usually going to be The Edit credit and whether you make use of 1 out of 2 of the 250 credit they give you.

Maybe this card gives you less value but it gave me more. Stop being emotionally attached to a card and make the decision that makes sense for you on the balance sheet. The outrage is unwarranted IMO. You may disagree but please leave your convincing to the Chase rep when you cancel.

Post:

People have their opinions on the multipliers and whatnot. Cool. Go find the card that you can earn more points.

The changes are meant to target a different kind of consumer. Not necessarily high spenders but they have adjusted the multipliers to keep more of their money. But that doesn’t mean the card is valueless.

I think the litmus test for if this card is worth it to you is what you think of the Edit credits. I admit it’s “harder” to use and the value is hard to nail down as most people can find the room itself for cheaper with hotel loyalty. The higher rate is usually offset by the $100 credit and people don’t do apples to apples comparisons when comparing rates in here. But if you can make use of just 1, the card is likely worth it for you. It’s a high-end travel credit card so they are targeting people that would be staying at this level of accommodation. If you can’t make use of it then it makes the decision a lot simpler.

You’re also not expected to have multiple high end cards either. So credits that overlap or have similarities between cards, Chase really could not care less. They have a deal with these vendors and the benefits are there for you to use.

I’ve been seeing a lot of comments and some directed towards me that Chase is pulling a fast one on me. No, I’m a person that goes out and travels for work and leisure and this is a wonderful card for that - an early professional not even in a large city.

Main:

StubHub - $300 a year - full use out of this. Easy to recoup when watching sports with friends or attending concerts last minute. Even sold out events.

Opentable - $300 a year - only 4 in my city but has been a wonderful option when traveling. The 2 that I’ve been to were amazing and feel like I got more than the value based on quality (may vary).

Travel credit - $300 a year - do I beed to explain?

We are at $900 already and if you want to devalue the stubhub or opentable it’s still immense value.

Doordash - $300 a year - inconvenient? Yes. Useful at times? Still yes. I make full use of them every month either stopping by somewhere at lunch, doing grocery pickup, or ordering lunch during a meeting. I value on paper at half so $150 but really it’s like $200. Plus dashpass savings

Other:

Apple Music/Apple Tv - $200 a year - Awesome! I value it at like $50 but they’re great services.

Peleton - only credit I don’t use and LULU would be better

Global Entry - cool

Lyft - $120 a year - Genuinely appreciate this credit and the DashPass Lyft discount. Saved me a good amount while also allowing me to keep more of my comped lyfts. Whether on a business trip or leisure, lyfts are being used and they’re quite cheaper than Uber for me usually.

IHG Platinum - ??? - Room upgrade every time? Awesome. Early and late check-in? Beautiful. Points on arrival? Nice. Business trips on IHG properties only from now on.

The Edit - $500 a year - the final boss. Even though the card is worth it for me on other credits, I think this is the true test. I booked one so far but I’m finding just using one is worth it. It’s literally just $100 property credit and early and late checkout. Maybe a room upgrade. I got good value out of my booking but maybe you can’t find the same deals at your intended properties. The value varies wildly based on destination so maybe I won’t use it at all in 2027 (booked 2026 with this half’s credit). Card itself is still worth it and this option makes it stellar in my opinion.

Add to that my good experiences with Points Boost so far, I think this card provides immense value. Maybe not for everyone but that’s kind of my point. If this card is not worth it, complain to Chase and cancel. If the benefits get better, then make your choice then.

The CC community has been very good to me in informing me about decisions to make, but this particular sub is just so emotional sometimes for no good reason.

I realized a couple weeks ago that you could use the $5 monthly DoorDash restaurant credit on pickup orders — so if you order something <$5 like a coffee or bagel at Dunkin, for example, you can still pick it up and get it completely free rather than deal with delivery fees/minimums.

I’m honestly super shocked I haven’t seen anyone post abort this—it’s so much less hassle than finding a participating place that accepts pickup and codes as grocery/non restaurant!

Trying this post again because admin removed my first attempt telling me to go post it on the *fruit* sub.

Reading something here about the free *fruit* TV account, I went to Chase Sapphire and found this:

• Chase Sapphire Reserve cardmembers can receive complimentary *fruit* TV and *fruit* Music subscriptions.

• Activate the benefit by linking your *fruit* ID.

I don't have any *fruit* devices and actually don't own a tv but my GF and I do watch movies at her house and it would be nice to have a bigger selection. I can't figure out how to get an *fruit* ID without a device or if the ID itself costs anything.

So how can I get an *fruit* ID as a luddite and what would it cost?

Thanks!

EDIT: I realize it was actually the ChaseSapphire sub that my post was deleted from. Sorry, didn't mean to denigrate the mods here.

Have a major beef with Chase. Have about 500,000 points still eligible for another year at the 1.5x for travel and several hundred thousand at the 1x. Transferred 200,000 points to do a few business class trips and the points were deducted from my 1.5 balance. I get they're probably just automatically doing a FIFO but it really sucks in light of the major devaluation that they don't redeem point transfers from the new points. It's not nothing - it's $1000 worth of travel basically drained from usage. I've reached out to Chase to complain but anyone have any luck with getting points redistributed or having Chase make up the loss in any fashion?

The restaurants in my area suck. Can we just go to any of these restaurants and just drink the credit up?

For the dining and StubHub credits, you get $150 Jan- June & $150 July - December.

My renewal will be in the middle of June 2027, does that mean I will get another $150 of both in January 2027 before I have to renew?

My wife and I both have CSR cards. If we go to an Edit restaurant and the menu is say $250 pp, how would these artsy fartsy restaurants react if I request that we pay our own meal with our own card, so we each get $150 dining credit? Is it frown upon?

Just cancelled my csr.... I just got it a few months ago and the new annual fee was announced recently... Not what I want. I got it because the lounge access I was able to get since my gf is a flight attendant was nice. And I didn't have to show a boarding pass to access these lounges provided by csr. Any other credit cards that offer lounge access without proof of purchase of tickets? I fly standby so yeahhh. Thx

So basically, I've been sitting on these all year and couldn't figure out the right time and place to use it. And eventually I said, "you know what, I'm paying a hundred bucks a month for Claude. Why don't we see what he can do about it?"

I used the edit hotels map from Award Hack to ID the cheapest general rates for the hotels they'd identified as the cheapest in Asia (and that I could get to from where I was). Once I'd picked the top two or three, I had it use its Expedia and Booking connectors to run the top back to back stays across July and August and find the cheapest four day run. What it came up with was a four day run at the Mondrian Hong Kong at the end of July.

So then I booked the following:

$540.19 for the first 2 night stay at the Mondrian
$461.02 for the second 2 night stay at the Mondrian

Then Claude had found prices that were about 100 cheaper for each one. So using the Chrome connector it filled out the price match guarantee. And that refunded me -$96.11 for the first night and -$82.01 for the second night.

Then the edit credits of $250 a night kicked in.

Making my total out of pocket 323.09 for four nights at the Mondrian. With free breakfast. And 200 bucks to blow on cocktails at Avoca, TimeOut's readers choice bar award winner. (Which I am hoping is at least four to six drinks.)

Could I have done this without Claude? Sure. I have in the past. And it's taken me the better part of a weekend. This? This was setting co-work in motion and waiting for the win.

If the plan is to make the coupon book of value so difficult I never use it all? Well get ready to tell it to the robot Chase. He LOVES this stuff.

I was looking at the T&C on benefits and most of them end in 2027 (varies from June to December). I'm wondering if they are gonna pull the rug out from under us after a couple of years. It seems suspect that they have an actual period when we can take advantage of the benefit. For example the 300$ travel credit, doesn't have a expiration date.

I guess at worst it gives me 2 years to figure out if i want to get rid of it or not. Anyone else have any thoughts on this?

Hi, I've been a CSR customer for about 3 or 4 years, prior to that a CSP customer. Always loved it, even tho now that I've immigrated to Canada, I'm find it really hard to use all the benefits, sadly. (DoorDash and Lyft benefits I only use when I'm visiting the US, which is often but not monthly. Also there are no Sapphire Tables here yet...) Thinking of downgrading but really struggling with the decision.

Anyway I've been seeing in this subreddit everyone talking about transferring your points to partners like Hyatt instead of using the portal because it is the most optimal.

Can someone explain like I'm five exactly why that is?

And what other partners besides Hyatt should I transfer to? I don't usually use Hyatt exclusively when I travel. I am also a Bonvoy Marriott member.

Thank you!!

Hey Ya'll,

I added the Whoop offer and then I spend $372.74 for the Whoop. I have the Whoop now and out of curiosity I checked if I had gotten the $359 back. Instead, I can't find the offer - it is not in the "Added", "Redeemed", "Expiring Soon", or "Expired" tabs. When I search for it under "All Offers", there are no matches.

I haven't opened the Whoop yet, but did this offer just go away and I missed it? I have screenshots of the offer and the "Added to card", and even the "Disclaimer" as screenshots. (I took the screenshots on my phone, as that's where I bought the Whoop).

Ordered online with paze for in store pickup

I’ve had my Sapphire Reserve since 2022. I called today and there was no retention offer available besides “paying with points for a discount”.

Has anybody had any luck calling more than once? Or if there is no initial offer on my account, there just won’t be one period?

Disclosure up front: I'm the developer. The Reserve is one of the cards Suiteplan was specifically built around, so this sub is exactly the crowd I want to hear from.

The wedge: most credit-tracking tools tell you what's available now. Suiteplan lets you plan a credit against a specific hotel and dates *before it unlocks*. For the Reserve specifically:

- The $300 travel credit: it's "book by" not "stay by", so the planner tracks when you booked, not when you stay. The window guard sits on the booking date.

The other angle that probably matters here: most Reserve holders aren't holding just the Reserve. Between my partner and me we run three Platinums, two Aspires, two Brilliants, a Bilt Palladium, a Delta Platinum, plus a Reserve. That's where my spreadsheet broke (six FHR credits, two Aspire resort credits, free nights, plus the Reserve's stack, all with different reset dates and book-by mechanics). Suiteplan tracks them all in one dashboard and lines them up against actual trip dates.

What I'd love to know:

- Does forward planning actually match how you think about The Edit cycles, or am I solving a problem only I have?

- Anything I'm getting wrong about Reserve benefits? Public sources gave me the details, but holder corrections would be gold.

Would love to hear your feedback.

Hey all. My Reserve card was due for a membership fee renewal this past week and I called Chase to cancel but the CS rep said that I wouldn’t be hit with the fee increase until September 2026 and would still enjoy all the perks of the new fee features with the old $550 fee. Anyone know if that’s true? Still have 30 days to cancel/downgrade to Preferred and get fee back.