the card is intended for upper-middle income and above people who dine out and/or travel a lot. if you take advantage of the annual travel credit of $300, the e

the card is intended for upper-middle income and above people who dine out and/or travel a lot. if you take advantage of the annual travel credit of $300, the effective fee is more like $250/year. if you redeem the rewards for airfare, it take a little over $4000 of dining + travel spending to break even versus a no-fee 2% cashback card. that's certainly more than I spend in a year (and I rarely fly, so I wouldn't make the most of the points), but it's not hard to imagine this being a great card for someone else. https://thepointsguy.com/guide/break-even-point-chase-sapphire-reserve/ https://thepointsguy.com/guide/break-even-point-chase-sapphi...