Is the Sapphire Reserve worth $795 a year?
A fee card has to beat the best no-fee card by more than its fee before it earns you anything. Below is the annual spend, category by category, where the Sapphire Reserve’s extra rewards clear the $795. Points are valued at 1.25¢ each; transfer partners can beat that, cashing out won't.
| Category | This card | Best no-fee card | Spend to clear the fee |
|---|---|---|---|
| No category on this card beats the best no-fee alternative, so no amount of spending clears the fee on rewards alone. | |||
Categories can combine: spending across several bonus categories clears the fee sooner than any single row suggests. Portal-only rates and perks (credits, lounges) are excluded — this is the rewards math only.
Get the answer for your spending
Connect your bank and WhatCard computes exactly what this card would add to your wallet — including when the honest number is negative.
Get your answer free