Chase Sapphire Reserve cashback rate, cap and annual fee
Chase Sapphire Reserve pays 8% at booked through Chase Travel, 4% at booked direct, 3% on dining and 1% on everything else. The card costs USD 795 a year.
Chase · United States · catalogue v101
Read from Chase's own published terms on 23 Sep 2026.
USD 795Annual fee
8%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| booked through Chase Traveltravel | 8.00% | —Everything booked through Chase Travel, including The Edit. |
| booked directtravel | 4.00% | —Flights and hotels booked direct with the airline or hotel. |
| dining | 3.00% | —Dining worldwide. |
| everything else | 1.00% | —Everything else. |
Chase's own card page, read 23 Sep 2026. The $795 fee is the number to weigh everything else against, and there is a further $195 for each authorised user. The 4x on flights and hotels applies when booked DIRECT; through Chase Travel it is 8x. Dining is 3x worldwide. Chase states that purchases covered by the $300 annual travel credit do not earn points, so the credit and the rate do not stack — this app does not model statement credits and says so rather than quietly counting them as rewards. No foreign transaction fee.
Questions people ask
What cashback does the Chase Sapphire Reserve pay?
8% at booked through Chase Travel, 4% at booked direct, 3% on dining and 1% on everything else.
Is there a cap on the Chase Sapphire Reserve?
No monthly cap is published on the rates shown here.
What is the annual fee on the Chase Sapphire Reserve?
USD 795 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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