You want a travel credit card that pays for itself when you travel often. The chase sapphire reserve carries a $795 annual fee, but it bundles high-value perks that offset that cost.
The card earns big: 8X points when you’ve booked chase travel in the portal, 4X on flights and hotels booked directly, 3X on dining, and targeted partner boosts. It also offers a range of statement credits like a $300 annual travel credit and other split credits that add real yearly value.
You’ll get access to lounges through Priority Pass and expanding Chase Sapphire Lounges, strong trip and purchase protections, and attractive welcome offers that can jumpstart your ultimate rewards points balance. This intro sets the stage so you can judge whether the sapphire reserve fits your wallet and travel style.
Key Takeaways
- The $795 annual fee is offset by high earn rates and generous statement credits.
- Book through the Chase portal to earn points faster with 8X.
- Points Boost can reach 2 cents per point on select portal redemptions.
- Lounge access and travel protections add premium credit value.
- Welcome offers and partner promos can significantly raise your ultimate rewards points balance.
Why this premium card is worth a look right now
When you add up credits, elevated earn rates, and lounge access, the value becomes clear fast.
This section helps you weigh the $795 annual fee against benefits you can actually use. Start with the automatic travel credit that offsets $300 in eligible travel charges each year.
Your informational guide to value versus the $795 annual fee
The card’s earn structure accelerates points accumulation: 8X through Chase Travel, 4X on flights and hotels booked direct, and 3X on dining. These rates help you collect rewards points faster, especially early in the account opening months when a large welcome bonus can amplify value.
Balance that against split statement credits and lifestyle perks: biannual dining/event credits, The Edit hotel benefits, Apple streaming perks through 2027, DashPass promos, and Lyft credits. These extras can cut the net cost significantly for frequent travelers.
- Annual fee: $795
- Key credits: $300 travel + biannual dining and event credits
- Earn: 8X portal / 4X direct / 3X dining
- Welcome bonus impact in the first three months account opening
| Feature | Value | Timing |
|---|---|---|
| Annual fee | $795 | Recurring |
| Annual travel credit | $300 | Per calendar year |
| Portal earn | 8X points | Every booking |
| Welcome offer | Up to 125,000 points | First three months account opening |
Annual fee, authorized users, and key eligibility notes
Before you apply, understand exactly what the $795 annual fee buys. The package includes lounge access, split statement credits, and a suite of travel protections designed to offset the cost when you use benefits across a calendar year.
What the $795 and $195 for authorized users buy
Authorized users cost $195 each and receive Priority Pass access. Both the primary and each AU can bring up to two complimentary guests; extra guests are billed at $27.
All spending posts to one account number and the primary cardholder remains liable. Chase reports AU data to credit bureaus, so adding someone may affect their credit profile.
New cardholder eligibility and timing considerations
Not everyone qualifies for the new cardmember bonus. If you currently have a personal chase sapphire product, previously held this card, or recently received a bonus, you may be ineligible. You must meet the minimum spend tied to the offer—commonly $6,000 within the first three months of account opening—to earn 125,000 points. Terms apply.
| Item | Reset | Notes |
|---|---|---|
| Statement credits | Calendar year / biannual | Some credits split Jan–Jun, Jul–Dec |
| Priority Pass guesting | Ongoing | Primary and AUs: two guests each |
| Welcome bonus timing | Account opening | Issuer reviews recent Sapphire bonuses |
Welcome bonus and early-year value stack
The first 90 days are when you turn the sign-up offer into real travel value. Earn 125,000 points after $6,000 in spend in the first three months from account opening is a common current offer. A past limited-time variant gave 100,000 points plus a $500 Chase Travel credit after $5,000 in three months.
Current welcome offer and travel credit timing
The $300 annual travel credit posts automatically to eligible travel purchases in the year the charge posts. Reimbursed purchases don’t earn points, so plan which bookings you want credited versus which you want to earn on.
How to plan your first three months from account opening
- Map large, planned expenses into the first 90 days so they count toward the minimum spend.
- Use high-earning channels (portal 8X, direct 4X, dining 3X) so purchases serve both the bonus and long-term earn.
- Avoid non‑qualifying transactions (cash-like, fees, balance transfers) that won’t count toward the threshold.
- Expect points to post about 6–8 weeks after requirements are met; keep the account in good standing.
Earning Ultimate Rewards: new rates, categories, and Lyft/Peloton boosts
Maximizing everyday and travel spend starts with understanding where this card pays the most. You’ll learn which channels deliver the highest multipliers and when to steer purchases to the portal or book direct.
Portal versus direct booking
8X applies when you’ve booked chase travel through the issuer’s portal on flights, hotels, and rental cars. That rate quickly inflates balances when you prioritize portal purchases.
By contrast, you get 4X on flights and 4X on hotels booked directly with carriers and chains. Direct booking can be better when you need elite credit or flexible hotel benefits.
Dining and everyday categories
Dining stays at 3X worldwide. Most other buys — transit, vacation rentals, and cruises — earn just 1X. Move restaurant spend to the card to capture consistent bonus value.
Limited-time partner accelerators
- Lyft: 5X on rides through Sept. 30, 2027, plus up to $120 in annual in‑app credits.
- 10X on eligible peloton hardware and accessories up to 50,000 points, plus up to $120 in annual membership credits.
| Category | Multiplier | Notes |
|---|---|---|
| Portal travel (flights, hotels, cars) | 8X | Best for point accumulation |
| Flights & hotels (direct) | 4X | Use for elite nights and direct benefits |
| Dining | 3X | Steady everyday bonus |
| Other purchases | 1X | Includes transit, rentals, cruises |
| Lyft / Peloton promos | 5X / 10X | Limited-time partner boosts and credits |
Use this map to prioritize spend and capture the most ultimate rewards value from your chase sapphire and sapphire reserve account. When in doubt, weigh portal convenience against direct booking perks to decide where to put large travel purchases on your chase sapphire reserve®.
Redeeming points: Points Boost, portal value, and 1:1 transfers
Choosing the right redemption path can double what your points are worth. You’ll decide between booking in the Chase portal or moving points to airline and hotel partners.
Up to 2 cents per point with Points Boost
Points Boost can raise portal redemptions to up to 2 cents per point on select flights and hotels. Most standard portal bookings return about 1 cent per point.
Legacy points earned before 10/26/2025 may redeem at 1.5c or 2c via Points Boost through 10/26/2027. That makes older balances more valuable for a limited time.
When to transfer to airline and hotel partners
Transfers are 1:1 to partners like Air Canada Aeroplan, United, British Airways, Singapore, Hyatt, IHG, and Marriott. Use transfers for premium cabins or high-value hotels resorts where award pricing beats the portal.
Consider availability, carrier surcharges, and schedule flexibility. Hold points in your account until you see a confirmed seat or room, then transfer to lock the award.
- Portal wins for simple bookings and immediate payment when Points Boost applies.
- Transfer wins for premium cabins or rare hotel award value at 1:1.
- Match how you earn points to your intended redemption path.
| Redemption Path | Typical Value | Best Use Case | Notes |
|---|---|---|---|
| Portal (Points Boost) | Up to 2¢/pt | Select flights & hotels with Boost | Instant, fixed cents; limited inventory |
| Portal (Standard) | ~1¢/pt | Everyday travel bookings | Simple but lower value |
| 1:1 Transfer | Variable; often >2¢ for premium awards | International business, top hotels resorts | Requires award availability and possible fees |
| Legacy balance redemption | 1.5¢–2¢/pt (through 10/26/2027) | Older points earned before 10/26/2025 | Temporary uplift for pre‑cutoff points |
Statement credits you can actually use
Statement credits are the easiest way this card offsets its cost if you know when and how to use them. The $300 annual travel credit auto‑applies to eligible travel charges, but reimbursed purchases won’t earn points and credits post based on the transaction posting date.
How the $300 travel and biannual dining credits work
The 300 travel amount posts to your account when eligible travel transactions clear. Watch posting dates to capture the right calendar year.
The dining benefit runs through reserve exclusive tables and is split $150 Jan‑Jun and $150 Jul‑Dec. Only direct, identifiable restaurant charges usually qualify; delivery, gift cards, and some wallets may be excluded.
Events, hotels, and entertainment credits
StubHub and viagogo each offer up to $300 per year ($150 Jan‑Jun; $150 Jul‑Dec) after activation. The Edit gives up to $500 per year ($250 Jan‑Jun; $250 Jul‑Dec) for prepaid two‑night stays at select hotels resorts with breakfast, a $100 property credit, and possible upgrades. Note: these credited purchases often do not earn points.
Digital services and partner promos
Activate Apple TV+ and apple music before June 22, 2027 to claim credits; linking your Apple ID may suspend existing paid subscriptions. DoorDash DashPass is free when activated by 12/31/2027, plus monthly promos that must be applied at checkout.
Lyft gives 5X on eligible rides through 9/30/2027 and up to $10 per month in‑app credits. Make sure your card is the enrolled payment method and apply promos before you pay.
Plan purchases across the year, activate required offers, and remember that terms apply.
Airport lounges and premium travel perks
Airport perks can change the travel day from stressful to smooth. You get lounge access, fast‑track credits, hotel benefits, and custom planning tools that stack with your other card features.
Priority Pass access and guesting rules
You receive a Priority Pass Select membership. The primary cardholder and authorized users may bring up to two complimentary guests per visit.
If a lounge is full, access may be denied. Additional guests cost $27 each, and some locations restrict entry during peak times.
Where Chase Sapphire Lounges are open now
Chase Sapphire Lounges complement Priority Pass locations. You’ll find them in Boston, New York, Philadelphia, Phoenix, San Diego, and Hong Kong.
These lounges often offer quieter workspaces, better food, and route‑focused service that add real value on long connections.
Global Entry, TSA PreCheck, and NEXUS fee credit cadence
Charge your Global Entry, TSA PreCheck, or NEXUS fee to the card and get one statement credit up to $120 every four years. Pay agencies directly to qualify.
The Edit vs Reserve Travel Designers
The Edit books luxury hotels resorts with extras: breakfast, a $100 property credit, and possible upgrades. Note: qualifying purchases may not earn points.
Reserve Travel Designers build custom itineraries without agency fees. Use them when you want a full plan rather than a single hotel stay; supplier fees can still apply.
| Service | Best for | Notes |
|---|---|---|
| The Edit | Upscale hotel perks | Breakfast, $100 credit, up to $500 split credits |
| Reserve Travel Designers | Full itineraries | Custom planning; supplier fees possible |
| Priority Pass | Wide lounge access | Two free guests; $27 extra guest fee |
Complimentary IHG One Rewards Platinum Elite through 2027
Activate your IHG account to enjoy complimentary Platinum Elite status through 12/31/2027. Add your IHG number to stays to receive bonus points and potential upgrades.
“Activate each benefit before travel so you don’t miss credits or lounge access.”
Tip: Link and activate your chase sapphire reserve® benefits, plan Global Entry cadence, and decide whether The Edit or a Travel Designer better fits each trip. These perks often replace paid memberships you might otherwise keep.
Travel and purchase protections that stand out
Strong travel protections turn routine trips into lower‑risk plans. These built‑in benefits can replace add‑on policies and cut out‑of‑pocket costs when things go wrong.
Primary rental car coverage up to $75,000
You get a primary auto rental collision damage waiver up to $75,000 for theft or collision when you pay with the card and decline the agency’s coverage. This applies both in the U.S. and abroad and helps avoid filing through your personal insurer.
Trip cancellation, delay, and baggage protections
Trip cancellation and interruption insurance can reimburse prepaid, non‑refundable expenses up to $10,000 per person and $20,000 per trip for covered reasons.
- Trip delay: up to $500 per ticket after six hours or an overnight delay.
- Lost luggage: up to $3,000 per passenger.
- Baggage delay: up to $100/day for five days after six hours to replace essentials.
Emergency medical evacuation up to $100,000
If you need medical transport more than 100 miles from home, evacuation coverage can provide up to $100,000 for services and repatriation. This benefit can save thousands in emergency scenarios.
Purchase, return, and extended warranty protections
Purchase protection covers damage or theft up to $10,000 per item (max $50,000/year) for 120 days. Return protection and an extended warranty benefit add extra consumer safety when merchants won’t accept returns or a manufacturer’s warranty ends.
| Protection | Limit | Key trigger |
|---|---|---|
| Rental collision coverage | $75,000 | Pay with card, decline agency coverage |
| Trip cancel/interruption | $10,000 p/ person; $20,000 trip | Prepaid covered expenses |
| Emergency evacuation | $100,000 | 100+ miles from home |
| Purchase protection | $10,000/item; $50,000/yr | Damage or theft within 120 days |
Tip: Charge eligible travel purchases to your chase sapphire reserve or linked chase sapphire card and keep receipts and police or medical reports for claims. Terms apply.
chase-sapphire-reserve-travel-rewards: who should get this card
If you travel several times a year, this card can pay for itself through credits and perks you actually use.
- You’ll benefit most if you redeem the $300 annual travel credit, biannual dining/event credits, and The Edit stays. That lowers the effective annual fee fast.
- Choose this when lounge access, premium hotel perks, and strong travel protections matter to your trips.
- Consider a lower‑fee card like Capital One Venture X or a mid‑tier option such as the chase sapphire preferred if you won’t use credits fully.
- Plan your spending: align big purchases and dining in the first months account opening to hit the welcome bonus without overspending.
- Pass if you rarely travel internationally or prefer a simple flat‑rate card for everyday purchases.
“Match your travel frequency and monthly habits to the card’s credit cadence before you apply.”
Compare total wallet value so benefits don’t overlap across your credit cards. If you enjoy optimizing transfers or booking through the portal, the sapphire reserve can be highly rewarding. Otherwise, a lower annual fee might suit you better.
How to maximize value each calendar year
A simple calendar strategy turns split credits into steady annual value. Plan which purchases fall into each half so you never leave cash on the table.
Mapping biannual credits to your travel and dining calendar
Plot the $150 dining credits for Jan‑Jun and Jul‑Dec so one qualifying meal lands in each window. Do the same for StubHub/viagogo ($150/$150) and The Edit ($250/$250).
Schedule at least one The Edit stay during a major trip to get breakfast and property credits. Time dining reservations to trigger the statement credits january and avoid lost opportunities.
When to book in the portal for Points Boost versus transfer partners
Use the portal when Points Boost lifts value to up to 2 cents per point. For routine bookings expect ~1¢/pt.
If you need a premium award, check partner availability first. Keep points in your Chase Ultimate account until you confirm an award, then transfer 1:1 to lock the booking.
Stacking partner perks: DoorDash, Lyft, Apple, and Peloton
Set monthly reminders to apply DoorDash promos (up to $25/month) and enable Lyft credits (up to $10/month). Those small monthly amounts compound into meaningful annual value.
“Plan credits on your calendar and check award space before you move points.”
- Plot credits across the calendar year to capture each Jan‑Jun and July‑December window.
- Favor 8X when you know you’ll redeem in the portal; otherwise earn points for targeted 1:1 transfers.
- Stack monthly partner credits like DoorDash, Lyft, Apple, and Peloton into routine spending.
| Credit / Perk | Split | Best timing |
|---|---|---|
| Dining statement credits | $150 Jan‑Jun; $150 Jul‑Dec | One qualifying restaurant per half |
| The Edit hotel credit | $250 Jan‑Jun; $250 Jul‑Dec | Two‑night stays aligned with major trips |
| Portal Points Boost | Up to 2¢/pt (select) | Book portal when Boost applies; otherwise transfer |
| Monthly partner promos | DoorDash up to $25; Lyft up to $10 | Enable and apply promos monthly |
Top alternatives to compare before you apply
Not all premium cards are built the same—compare lounge access, annual credits, and hotel status before choosing. Below are three cards you should stack side by side with your chase sapphire thinking.
American Express Platinum: lounge network and lifestyle credits
The Platinum Card from American Express carries a high fee but offers the American Express Global Lounge Collection (1,550+ lounges), elevated status with Marriott and Hilton, and broad lifestyle credits like Uber, Resy, and Walmart+.
Capital One Venture X: lower fee, simpler earn
Capital One Venture X has a lower annual fee and a straightforward 2X on most purchases. It includes Capital One and Priority Pass lounge access and a $300 annual travel credit usable in the issuer’s portal.
How the sapphire reserve compares
The sapphire reserve keeps Priority Pass and Chase Sapphire Lounges, strong travel protections, and complimentary Reserve Travel Designers. Its mixed credit cadence (annual travel credit plus biannual dining/event credits) differs from Capital One’s portal credit and Amex’s lifestyle credits.
“Pick the card whose lounge footprint and annual credit timing fit your travel style, and check hotel status alignment with the brands you use most.”
| Card | Annual fee | Key perks |
|---|---|---|
| American Express Platinum | $895 | Global Lounge Collection, Marriott/Hilton status, lifestyle credits |
| Capital One Venture X | $395 | $300 travel credit, 2X everywhere, Capital One + Priority Pass lounges |
| Chase Sapphire Reserve | $795 | Priority Pass + Chase lounges, split annual credits, strong protections |
Conclusion
You can make the annual fee worthwhile by timing credits and stacking partner perks all year. Use the $300 annual travel credit, split statement credits, and reserve exclusive tables to trim trip costs at hotels resorts.
Focus how you earn points: favor 8X in the portal, 4X for direct flights and hotels, and 3X dining. Redeem via Points Boost or 1:1 transfers to maximize ultimate rewards points.
Lounges (Priority Pass and Chase Sapphire Lounges), fee credit for global entry/tsa precheck, and robust travel protections make this a premium credit card for frequent travelers. Compare to a sapphire preferred if you want lower fees, but the chase sapphire reserve and chase sapphire reserve® remain top choices when you plan across the calendar year and activate partner benefits like Apple Music, Lyft, DoorDash, and eligible peloton.
FAQ
What does the 5 annual fee cover?
The fee covers a large suite of premium benefits designed to offset travel costs. Key items include a 0 annual travel credit that applies automatically to travel purchases, split dining credits through exclusive tables programs, airport lounge access including Priority Pass, reimbursements for Global Entry/TSA PreCheck application fees, and a variety of concierge and travel protections. You should weigh these credits and perks against the fee based on your travel and dining habits.
How do the authorized user fees and benefits work?
You can add authorized users for a separate fee (commonly 5, but check current terms). Authorized users receive many card benefits such as Priority Pass access and some member-only perks, though enrollment for certain credits and status benefits may require the primary cardholder to opt in or register. Points earned by authorized users post to your account.
Who’s eligible for the card and are there timing restrictions?
New cardholder eligibility follows standard issuer rules: you typically can’t open the same brand premium card if you’ve received a welcome bonus on it within the past 48 months. You also must meet credit score and income requirements. Timing matters for credits that restart each calendar year or are split biannually, so plan account opening to maximize early-year and mid-year credits.
What is the current welcome offer and how does the travel credit timing work?
Welcome offers change periodically; check the issuer site for the latest. Many offers combine bonus points after meeting a minimum spend in the first few months. The 0 travel credit often posts automatically to offset eligible travel purchases; other credits may be biannual or require activation. Confirm the exact eligible merchants and posting timeline when you apply.
How should you plan your first three months after account opening?
Prioritize meeting the welcome bonus spend without overspending. Book any large travel and lodging you already planned through the issuer’s travel portal to capture elevated earning rates. Register for any enrollment-required credits or partner offers (Lyft, Peloton, DoorDash) and schedule Global Entry/TSA PreCheck if you want the application-fee credit applied early.
How do earning rates differ between booking through the travel portal and booking direct with airlines or hotels?
You can earn elevated points on purchases made through the issuer’s travel portal—sometimes up to 8X on select travel categories—while direct bookings with airlines or hotels often earn 3X or 5X depending on the category and card. For many premium cards, portal bookings include Points Boosts that can push point value higher; compare portal multipliers against transfer partners’ award availability before you book.
Which everyday categories still earn bonus points and which are now reduced?
Dining and hotel stays typically earn bonus points—dining often at 3X and hotels at higher rates when booked through the portal. Some categories that previously earned elevated rates may now fall to 1X; always check your card’s updated earning table. Limited-time partner accelerators like Lyft and eligible Peloton classes can add temporary boosts when active.
When should you use Points Boost or transfer points to airline and hotel partners?
Use Points Boost when booking travel that the portal prices competitively and when the boosted cents-per-point value (up to 2¢ in many cases) is better than award redemption. Transfer points 1:1 to airline and hotel partners when award seat or room availability offers greater than portal value—this often yields outsized value for premium cabin flights or high-end hotel redemptions.
How does the 0 annual travel credit work and what purchases don’t earn points?
The 0 annual travel credit automatically reimburses qualifying travel purchases posted to your account, typically including flights, hotels, rental cars, and some travel bookings. Some statement credits or promotional reimbursements may be excluded, and purchases that trigger the credit may not earn bonus points (check merchant coding). Always verify eligible merchant categories in your card terms.
How are biannual credits like dining, event, and Edit credits split and used?
Several premium credits are split across the year—commonly January–June and July–December. Examples include dining credits through exclusive tables programs, event ticket credits (StubHub/viagogo), and lifestyle credits such as The Edit for property credits or upgrades. You must plan use within each half-year window; unused portions generally do not roll over.
Are streaming and subscription credits included and how do you activate them?
Select streaming and music credits—like Apple TV+ or Apple Music—may be offered through certain card benefits and can run through a set year (for example, through 2027). Activation usually requires enrollment in your online account or a one-time registration with the partner. Check exact expiration dates and enrollment steps on the issuer’s benefits portal.
What DoorDash and Lyft credits exist and how do you claim them?
DoorDash DashPass and monthly Lyft credits are common partner perks. DashPass often requires activation on the benefits page and then provides a monthly statement credit or discounted membership. Lyft credits may appear as monthly in-app promotions that you apply during checkout. Both require active enrollment and may be valid only through specific end dates, so enroll early and track monthly postings.
What lounges and guesting rules apply with Priority Pass and issuer-branded lounges?
Priority Pass membership typically includes access to a global network of airport lounges; guest policies vary by lounge and may permit a limited number of guests for free or at a reduced fee. Issuer-branded lounges operate separate access rules and may allow cardholders a set number of guests or require reservations. Confirm guest policies for each lounge prior to travel.
How often does the Global Entry/TSA PreCheck credit apply?
The application fee credit for Global Entry, TSA PreCheck, or NEXUS generally reimburses the application fee every four to five years, aligning with the programs’ membership renewal cycles. You must pay the fee with your card and the statement credit typically posts automatically. Keep proof of enrollment in case of disputes.
What is the difference between The Edit and Reserve Travel Designers?
The Edit is a lifestyle and travel benefit that can include property credits, breakfast, and room upgrades at select hotels, often split into biannual allotments. Reserve Travel Designers are dedicated travel advisors offered by the issuer to help plan and book complex itineraries, sometimes with access to exclusive inventory. Use The Edit for on-property perks and designers for bespoke booking assistance.
What elite status perks are included with select hotel programs?
Some premium cards extend complimentary elite status with partner hotel programs—for example, Platinum or Platinum-equivalent status with certain chains through a specified year (such as IHG One Rewards Platinum through 2027). These status benefits grant perks like room upgrades and late checkout but may require enrollment or registration to activate.
What travel and purchase protections should you rely on?
Expect robust protections including primary rental car insurance up to a stated limit (commonly ,000 for collision damage), trip cancellation/interruption coverage, trip delay and baggage delay protections, emergency medical evacuation limits (sometimes up to 0,000), and purchase protections like extended warranty and return protection. File claims promptly and keep receipts and documentation.
Who is the ideal candidate for this premium travel card?
You should consider this card if you travel frequently, value airport lounge access, use ride-share and delivery partners often, and can use the annual and biannual credits. Frequent international travelers who benefit from priority security lines, Global Entry/TSA PreCheck reimbursement, and strong travel protections will see the most net value versus the annual fee.
How do you map biannual credits to your travel and dining calendar?
Review credit windows—January–June and July–December—and plan major purchases accordingly. Use dining and event credits in the period they apply rather than deferring. Coordinate large bookings with the travel credit and portal Points Boost opportunities to maximize value each calendar year.
When is it better to book in the portal versus transfer points to partners?
Book in the issuer’s portal when Points Boost or portal pricing yields clear cents-per-point value and when flexible change policies or bundled perks matter. Transfer points to airline or hotel partners when award space or premium cabin availability offers higher value than portal pricing. Run the math on cents-per-point for both options before committing.
How can you stack partner perks like DoorDash, Lyft, Apple, and Peloton?
Enroll in each partner promotion separately in your benefits dashboard. Use the card to pay for subscriptions and in-app purchases to trigger credits. Coordinate timing so monthly or biannual credits apply to planned expenses. Keep an eye on limited-time accelerators (e.g., Lyft boosts, eligible Peloton credits) and register before use to ensure you capture full value.
What are strong alternatives to compare before applying?
Compare this card to the American Express Platinum, which offers a larger lounge network and lifestyle credits, and the Capital One Venture X, which has a lower annual fee and a simpler earn structure. Evaluate how each card’s credits, lounge access, and transfer partners align with your travel preferences before deciding.
