Is It Worth Spending $75,000 on the Chase Sapphire Reserve To Unlock More Perks?

When Chase announced the top-to-bottom refresh of the Chase Sapphire Reserve^® earlier this year, it took the credit card industry by storm.

The ultrapremium card received its first major revamp since its debut years ago and gained a slew of new benefits for the increased annual fee. Not only that, but there are a few additional Chase Sapphire Reserve card perks that can be unlocked after spending $75,000 annually that don’t get as much attention.

Today, we’ll take a deeper look at this group of benefits that are unlocked after meeting that spending threshold, and whether it’s a goal worth pursuing.

Unlock Additional Perks After $75,000 in Annual Spending

The updated Chase Sapphire Reserve card comes with a long list of new perks (in addition to many that were carried over from the previous version of the card) that cardholders can take advantage of in exchange for its $795 annual fee. Core perks include a Priority Pass™ Select membership, Chase Sapphire Lounge access for you and up to 2 guests, a $300 annual travel credit, and more.

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Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

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Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

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Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

However, there are 4 additional benefits that cardholders can unlock after spending $75,000 annually on the Chase Sapphire Reserve card:

• IHG One Rewards Diamond Elite Status, which is the program’s top tier
• Southwest Airlines A-List Status
• A $500 Southwest Airlines credit when booked through Chase Travel 
• $250 credit to The Shops at Chase, Chase’s new online shopping platform

If you spend $75,000 or more each year on your Chase Sapphire Reserve card, you unlock more value in exchange for the annual fee you pay — but is it worth it? Let’s look at each benefit in more detail to find out.

1. Top-Tier IHG One Rewards Status

If you spend $75,000 or more annually on your Chase Sapphire Reserve card, you earn top-tier IHG One Rewards Diamond status, the highest tier in the program, with the exception of a couple of special tiers outside of the normal tier ladder.

IHG Diamond members receive all of the perks of the Silver, Gold, and Platinum levels, in addition to a 100% bonus earnings on top of base points (equal to an additional 10 points per $1 earned), access to dedicated Diamond support, and a welcome amenity at check-in (you can choose complimentary hot breakfast for 2, bonus points, or a snack or drink).

Normally, you can achieve Diamond status by earning 70 qualified nights or 120,000 qualifying points. Alternatively, you can spend $40,000 on the IHG One Rewards Premier Credit Card in a year to lock in this top-tier status.

Unless you’re a die-hard IHG loyalist, it’s hard to justify spending $75,000 on the Chase Sapphire Reserve card in a year just to secure this status. And if you are a big IHG fan and Diamond status is on your radar, you’re likely staying enough throughout the year — or you can spend $35,000 less in a year on the IHG Premier card — to achieve it.

2. Southwest A-List Status

Southwest A-List is the entry-level elite status in the Rapid Rewards program, and it offers the following perks:

• Priority boarding (Southwest automatically checks you in)
• Priority check-in
• 25% more bonus points on Southwest flights
• Free same-day standby
• Dedicated A-List member phone line

To achieve it normally, you’d need to fly 20 qualifying one-way flights or earn 35,000 tier qualifying points in a calendar year. Until Southwest’s assigned seating policy goes into place in early 2026, priority boarding is probably the most important benefit on this list, ensuring you won’t get stuck in a dreaded middle seat.

As it stands now, having access to priority boarding means you don’t have to purchase EarlyBird Check-In, which would save you $30 to $50 per round-trip flight. Once the system changes, A-List members will be able to select seats regardless of the fare type that was purchased. They can choose Preferred seats at booking and access Extra Legroom seats up to 48 hours before departure, if any are available.

We’ll have to wait and see how the numbers shake out once Southwest’s new seating and boarding policies go into effect. Regardless, A-List isn’t an airline status that we’d go out of our way for, and it’s more than likely not worth spending $75,000 to earn, unless you’re easily reaching that threshold with your everyday spending.

3. Annual Southwest Credit

Another Southwest perk you unlock after spending $75,000 on the Chase Sapphire Reserve card in a year is a $500 Southwest Airlines statement credit.

This one is pretty self-explanatory. Spend $500 or more on Southwest purchases with your card and you receive a $500 statement credit. If your normal spending habits lead you to spend $75,000 or more on the card in a given year, then it’s a great perk to effectively get $500 off on your Southwest purchases. But, again, getting $500 off in exchange for spending $75,000 isn’t anything we’d be going out of our way for.

4. The Shops at Chase Credit

Cardholders who meet the $75,000 spending threshold also earn a $250 statement credit to The Shops at Chase, the issuer’s new shopping platform, which allows eligible cardholders to shop at popular retailers using cash, points, or a combination of both.

It features a solid (and growing) roster of retailers, including brands such as Aesop, Breitling, Jo Malone, Ray-Ban, Shinola, Tumi, and Vitamix, among others.

Considering the high spending threshold, it’s hard to get excited about saving $250 on these purchases unless you’re hitting that threshold organically. It just doesn’t feel significant enough to move the needle on the overall value calculus of the card.

Is It Worth Spending $75,000 on the Chase Sapphire Reserve Card?

Of course, we can’t judge these perks individually, because if you hit the $75,000 threshold, you unlock all of them. Indeed, they provide at least $1,000 in additional value (on paper) when considered together.

However, you’re only guaranteed $750 in additional value from the 2 explicit statement credits. It’s difficult to estimate the precise value of elite status, and if you’re not staying at IHG properties often or flying Southwest with frequency, those perks are of very little value — if any at all.

It all comes down to whether you spend $75,000 or more in a year on the Chase Sapphire Reserve card. If your lifestyle lends itself to achieving that organically, then it’s a no-brainer to unlock these extra perks — we certainly wouldn’t turn them down!

But if you’re on the fence and may need to stretch to hit that spending threshold, we can’t recommend doing so, as their value likely doesn’t exceed the delta between many cardholders’ annual spending and the $75,000 threshold.

Final Thoughts

If you’re a high spender and can organically meet the $75,000 threshold, there’s no reason to shy away from the additional perks you unlock with the Chase Sapphire Reserve card.

However, if that threshold feels out of range for you, don’t feel bad about missing out on these additional perks. In our estimation, they’re not significant enough to pursue vigorously.