Chase Sapphire Reserve
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$795 annual fee, $300 travel credit, Priority Pass, 8x via Chase Travel, $120 Lyft credit. Best premium card if you maximize benefits.
🏛️ Best premium
Re-evaluate at year 2 — fee jumped, so the math shifts when credits change.
Chase Sapphire Reserve at $795 (raised from $550 in late 2025) is now the most expensive but still the most-redeemed premium card. $300 travel credit, Priority Pass, 8× via Chase Travel, $120 Lyft. Only worth it if you redeem $7,000+ in travel/year and use lounges 4+ times.
Pros
- $889+ in benefits if fully used
- 8× points on Chase Travel
Cons
- $795 fee — highest mainstream premium card
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