Is the Chase Sapphire Reserve worth it in 2026?

Keep it+$4,104 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 2.0¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonus150,000 pts × 2.0¢: +$3,000
Recurring credits (if fully used): +$1,899
Annual fee: −$795
Year-one value: +$4,104
Ongoing (year 2+, no bonus)credits − fee: +$1,104

Recurring credits

Travel Credit$300/yr
The Edit by Chase Travel$500/yr
Sapphire Exclusive Tables Dining$300/yr
Global Entry / TSA PreCheck$30/yr
Priority Pass Select$469/yr
Sapphire Lounge access$300/yr

Apply for the Chase Sapphire Reserve

The application happens on Chase Ultimate's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.

Apply for Chase Sapphire ReserveiOS app coming soon

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FAQ

Is the Chase Sapphire Reserve worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 2.0¢ — adjust both in the calculator for your own situation.

Should I cancel my Chase Sapphire Reserve?

Probably not on the numbers alone — the recurring credits ($1,899/yr) already cover the $795 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.