If I could only have one card, it would be the Chase Sapphire Reserve! A little over a year ago, the Chase Sapphire Reserve changed the credit card game. The Reserve forced the competition which had started to cut benefits to rethink their strategies. These are the reasons why the Reserve is my favorite credit card ever:

  1. The effective annual fee is $150 after the $300 travel credit.
  2. Since we are at it, I don’t have to jump through hoops to get my $300 credit. Both Amex and other make it at lot more difficult.
  3. I can take my entire team to the airport lounge thanks to the Reserve’s generous guest policy.
  4. 3x on travel, but on top of that travel is very broadly define.
  5. 3x on restaurants. This is the my go to card on the road, and when I don’t eat at home.
  6. Primary car rental insurance. This is one of the areas where this card handily beats the competition.
  7. UR points are worth 50% more when redeeming for travel via the Ultimate Rewards portal.
  8. This card makes the points earned via the Chase Freedom and the Freedom Unlimited even more valuable thanks to reason #7.
  9. My next Global Entry/TSA Pre✔️will be paid by this card.
  10. Trip insurance (cancellation, interruption, delay, lost luggage, etc.)although not the best across the board in the premium segment, it still gives me peace of mind.
  11. UR points are more valuable than most competing transferrable currencies. The ability to transfer points to some of my favorite airlines at a 1:1 ratio and do the same with Hyatt/Marriott is fantastic.
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