Chase Sapphire Reserve: what it earns

Updated September 24, 2026 · from RightCard's verified card and merchant data

Chase Sapphire Reserve earns 3x points at restaurants, 3x points at travel, 3x points at transit & rideshare, and 1x points on everything else. We value Chase Ultimate Rewards at 1.8¢ per point toward travel and 1¢ as cash; the table below shows both readings. Annual fee: $795.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	3x points	3¢ cash · 5.4¢ travel
Supermarkets	1x points	1¢ cash · 1.8¢ travel
Gas stations	1x points	1¢ cash · 1.8¢ travel
Travel	3x points	3¢ cash · 5.4¢ travel
Online shopping	1x points	1¢ cash · 1.8¢ travel
Drugstores	1x points	1¢ cash · 1.8¢ travel
Transit & rideshare	3x points	3¢ cash · 5.4¢ travel
Streaming	1x points	1¢ cash · 1.8¢ travel
Everything else	1x points	1¢ cash · 1.8¢ travel

Travel value uses 1.8¢ per point for Chase Ultimate Rewards, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Restaurants, Travel, Transit & rideshare. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.

Statement credits

Verified from the issuer's terms. A credit is worth its face value only if you would spend there anyway.

Credit	Amount	Per year
Annual Travel Credit	$300 yearly	$300 / yr
Dining credit	$300 yearly · enrollment required	$300 / yr
The Edit hotel credit	$500 yearly	$500 / yr
Select Chase Travel Hotels credit	$250 yearly	$250 / yr
StubHub credit	$300 yearly · enrollment required	$300 / yr
Lyft credit	$10 monthly	$120 / yr
Peloton membership credit	$10 monthly · enrollment required	$120 / yr

Tick the ones you would use and get the fee verdict →

Delivery apps and the dining rate

DoorDash, Uber Eats and Grubhub set their own merchant codes. Chase and Amex write delivery into their dining terms; read yours once. The DoorDash breakdown.

See it against the rest of your wallet →

How RightCard handles this: add the Chase Sapphire Reserve in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the Chase Sapphire Reserve earn at supermarkets?

1x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the Chase Sapphire Reserve earn on everything else?

1x points on purchases outside its bonus categories.

Is the Chase Sapphire Reserve's $795 fee worth it?

Only if the credits and rewards you would actually use add up to more than $795 a year. Our coupon-book tool lets you tick the credits you would use and see the verdict.

How much are Chase Sapphire Reserve points worth?

About 1.8¢ each toward travel by our conservative estimate for Chase Ultimate Rewards, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards · Restaurants guide · Transit & rideshare guide