Is the Chase Sapphire Reserve card still worth it now that they have increased the annual fee so high? $795 is a lot in my opinion, and I'm not sure if it's an expense I should take up right now, unless you're able to convince me on how the card’s total value can actually outweigh the annual fee.

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Chase did try to sweeten the deal by adding new perks like $500 in travel credits, a big welcome bonus if you’re a new cardholder, higher points earning rates (8X I think), airport lounge access, and credits toward things like Apple Music or TV+. If you’re a frequent traveler who can use those perks and maximize the bonus categories, it might just be worth it. But yeah, the fee is hefty!!

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*The Edit hotel credits…

It comes down to how much would you use the differentiators like the CSR Lounges.

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It's worth it the first year for the bonus, but after that it is an annoying coupon book. I don't think it's right for most people unless you heavily value Sapphire lounges, which have a better option anyways (RC).

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Yes, no, maybe.

You can only decide that for yourself based on what you would actually use in the coupon book and how much disposable income you have.

I’m going to keep it for a year on the new annual fee, then reevaluate. Right off the bat, it is $495 not 795 (300 for the travel credit.) I do not think this card is a good fit if you are not using that within a few months

I spend quite a bit on hotels and airlines, but am a bit disappointed rental cars and uber got dropped from this travel bucket

Create a checklist for other useful coupons: stubhub concerts or sports 2 x $150; OpenTable 2 x $150; Lyft $120, Apple Music, door dash, etc… check the box if you are already spending money here and are not going out of your way to do so. Example: I have an Apple Music subscription already and am *saving* money by keeping the credit card. Not getting something new for $0. I get the $11 / month back. I do not currently have a peloton subscription, therefore will not count that.

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I think it’s worth it for the SUB, maximize credits and then downgrade after a year.

why did you mention the fee increase without the other changes? did you look into the other changes and checked whether it makes sense for you? situation will be different for other people

I spend over $300/year on third-party ticket sites, so I count nearly 100% value for the StubHub credit. I pay for Apple TV, so I will use that credit as well. I do pay for Apple Music but will attribute some value to that as I would use it, say $200 of the $250/year credit. If the OpenTable options are good, I will probably use some of that credit as well since I live in a big city. So for me, it is still worth it from just those three new benefits.

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