As the annual fees of the credit card are increasing, it imports to take a significant look at your wallet to ensure that you are getting full value from your setup.
Close Chase Neelam Reserve® (See rates and fees) charge $ 795 per year. While this premium travel is the highest annual fee in the Rewards Credit Card Market, its cost is offset by several allowances and statement credit.
Is it worth it? Let’s review the benefits of the sapphire reserve and see if they provide the ennet value.
Welcome bonus
New applicants Chase sapphire reserve You can earn 100,000 bonus points and a $ 500 chase travel promo credit* after spending $ 5,000 in three months before opening an account.
*Publicity credit is valid for only one time use. If you apply promotional credit for less than $ 500, you will make the remaining amount.
The bonus is of valolation of $ 2,550 per TPGUST 2025, which is the valo of the Chase ultimat rewards points at every 2.05 cents. This is more than an $ 795 annual fee.
However, you can only earn this bonus throughout life, so you would like to maximize other benefits on the card to make your place in your meaningful.
Related: How to read the chase ultimate reward points for maximum value
Lounge access
People who catch a top perc Sapphire reserve The airport lounge is used for Meselves and two guests.
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This access consists of the current eight chase lounges opened currently and lounge with priority process selection membership. Priority passes over 1,700 lounges worldwide. In addition, when flying with a star Alliance Airline, you will get access to more than 20 Air Canada Maple Leaf Lounge.
Neelam Reserve used the lounge of the same airport for authorized users for $ 195 fee each year.
If you are a frequent passenger who is closed by a lounge before the flight, this card comes with high quality chase lounge and access to more than 1,700 priority pass locations.
However, if you do not travel frequently or rarely go to the lounge, you fly Chase Neelam Favorites That (See rates and charges) are a better option. You will still earn chase ultimat reward points, but you will pay only $ 95 annual fee.
Related: Amax Platinum vs. Neelam Reserve: Which card is right for you?
Flexible travel loan
Close Sapphire reserve Provides one of the easiest travel credits to use on the market. This is a $ 300 annual travel credit that is automatically applied to several travel purchases.
This certified automatically is triggered by eligible purchases, including bus tickets, campgrounds, ghats, flights, hotels and parking.
The travel credit alone reduces more than one third of the $ 795 annual fee of the sapphire reserve, effectively reduces it to $ 495 per year.
If you are eligible for a business card, Chase reserve for sapphire business (See rates and fees) can also be a solid option for you. This card comes with the same annual travel credit and other benefits helpful for business owners.
Related: 5 easiest travel credit to cash
Useful travel benefits
Are travelers repeatedly Sapphire reserveThe target audience, and the card offers them several allowances to make up for the annual fee.
Edit credit
Neelam reserve card holders get access to edit, chase luxury hotel booking platforms.
Booking with Edit provides access to alteralic allowances on various properties, including free days for two breakingsts, early check-in and late checkout upgrade (when available).
Cardholders also receive two $ 250 bounted credit to use with Edit (annually up to $ 500). This applies when you book eligible qualities with chase travel. You should book a prepaid stay of at least two nights.
If you fully maximize the general trip ($ 300) and edit ($ 500) statement credit every year, then reduces $ 800 total $ 795 annual fees.
However, if you do not think that you will maximize one or edit credit, or do not feel like staying in midrange properties, a hotel cobrind card or mid-tierial travel rewards card would be a more economical option. Close City Stretta Premier® Card (See rates and fees), with its $ 95 annual fee, there may be a good curse.
Comprehensive condition
This card provides the status of Hz Five Star for Hz while booking rental, such as 25% bonus points on all Hz fare and once the car-class upgrade (subject to availability).
Cardholders also achieve component IHG One Platinum Elite Status (through 31 December, 2027). This mid-tear status level includes bonus points, and complementary upgrade and late checkout (when available).
If you speak $ 75,000 or more on the Neelam Reserve in a calendar year, you will earn the top-tier IHG One Reward Elite Status and Southwest Airlines A-List Status.
Other travel award cards provide elite status for low annual fee, such as Platinum Card® to American ExpressWhich gives the cardamamers a slightly lower $ 695 annual fee (see rates and fees) with the Hilton Honors and Marriott Bonwoy (see rates and fees) with certain gold status for gold for the gold.
Related: Comparison of luxury hotel programs to credit card issuer
Meal
Close Sapphire reserve Offers solid allowances for food. The card covers everything from food distribution to those hard-to-costam reservation. If you like to speak on food, this card may be worth anal fee if you maximize credit.
Bipolar food loan
The card holders receive two $ 150 bipolar credit (up to $ 300 per year) towards the reserves via the sapphire reserve exclusive table through the openball.
The Neelam Reserve Exclusive Table provides access to special food programs and hard-to-cut reservation at selected restaurants across the US, in more than 25 cities where these allowances are New York City, Philadelphia and Miami. There is no prior payment or payment required through the opening.
Dordash benefit
The sapphire reserve also offers two $ 10 non -poverty promo and $ 5 restaurant promo, which offers with dordash (up to $ 300 per year) each month (up to $ 300 per year).
Cardholders also receive a desired dashpass memorandy for at least one year, priced at $ 120. (Must be active by 31 December, 2027.)
Neelam liked Cardholders receive a dashpass and a $ 10 nonstore promo every month every month. This card charges much less annual fee compared to the Neelam Reserve, so it can be assumed whether you want to pay a low profit.
Related: Which shopping chase is counted as a food with the Chase Neelam Favorite and Neelam Reserve?
Lifestyle credit
Close Sapphire reserve Also provides valuable lifestyle credit to get sting out of the annual fee, including:
- Apple: $ 250 annually in the Apple TV+ and Apple Music Subscribe through June 22, 2027.
- Global Entry, TSA Prechec or Nexus: Up to $ 120 as application fee credit in every future years.
- Lyft: $ 10 Monthly in-App Lyft Credit (up to $ 120 annually; 30 September, 2027;
- Peloton: A peloton subscription requires $ 10 per month (up to $ 120 per annum; 31 December, 2027; requires activation).
- Stubhub and viagogo: Through $ 150 biannually ($ 300 annually) Dec to use on the event ticket through stubhub or viaguogo. 31, 2027.
When added together, these credits provide up to $ 910, which shuts down the $ 795 annual fee of the Neelam Reserve. However, some may find challenging to maximize these lifestyle credit. Many are divided into monthly or bipolar increment, which requires high level organization.
If you do not want to say additional time to these credits in your life, then the Capital One Venture X Rewards Credit Card is a solid option. It offers lounge access and luxury allowances, an annual $ 300 Capital One Travel Credit. However, it does not come up with a long list of state certified to make up for more than $ 395 annual fee.
Related: How to take maximum advantage of Neelam Reserve’s lifestyle credit
Top nototch travel and purchase safety
Visa as an infinite card, Sapphire reserve Cardholder provides travel and purchase safety benefits, including:
You may agree with these benefits, even if you pay for a trip to travel with your sapphire reserve, such as tax and fee on a point redemption.
When you expect travel hiccups, they are. The strong security of the Neelam Reserve can make its annual fee meaningful for peace of mind that they provide.
Neelam Reserve Travel provides high levels of travel insurance and procurement protection wonder Chase Neelam likedIts lower fee equivalent. However, safety is still quite simpler, so it can be considered a $ 95-annual fee card if you do not need the strongest coverage.
Related: If you have protection from credit card, should you get travel insurance?
Ground level
Close Chase sapphire reserve A high $ 795 takes the annual fee.
However, the card provides a long list of benefits – including lounge access, travel credit, luxury advantage, lifestyle credit, dining perks and travel protection – to help offset.
If you maximize allowances, mathematics works. If you can’t keep, then a simple option, such as $ 95-annual fee Chase Neelam likedmaybe better.
And, if you are eligible for a business card, consider comparable Sapphire reserve for business Or $ 95-annual fees Ink Business Favorites® Credit Card (See rates and fees) Since they also acquire valuable chase ultimat rewards points.
To know more, see our entire review of Chase Neelam Reserve.
Apply here: Chase sapphire reserve
For mice and fees of Amax Platinum, click here.