Chase Sapphire Reserve®

As retired Americans my wife and I do top tier cruising about 4 times a year and are outside the USA about 7 months a year. The worldwide dining benefit really has an impact for us. The AE Platinum really doesn't provide the best benefit package for us without a 3x dining rebate.

The chase sapphire reserve has been around for over 2 years now. I got the card shortly after it was released and I have to say that it has definitely been worth it so far. The sign up bonus and the earning categories are great for someone who is traveling and eating out frequently. Points add up quickly and reserving a flight through the chase ultimate rewards website is easy. You can also use the shop through chase feature to earn bonus points at most major retailers.I don’t recommend getting another card for an authorized user. You can save the authorized user fee and load the card on your spouses Apple or Samsung Pay. This can be an issue though if your spouse needs their own priority pass membership. The annual travel credit can be applied to a wide range of purchases including parking, airfares, train tickets, etc. Mine is typically used up in the first two to three months.I used the price protection benefit a few times and while it was sometimes a hassle dealing with eclaimsline.com, I eventually would be reimbursed for product price drops. Unfortunately that benefit is no longer available. I have yet to use the other purchase benefits, probably because I forget they’re available.I like having the peace of mind that the rental car collision damage waiver is primary as opposed to secondary like most cards. I have not had to use it yet though.The global entry fee was reimbursed very quickly.Point transfers are quick but make sure you only transfer to accounts that you get a better value for your points. There’s not many since you can redeem points through the ultimate rewards website or by calling chase directly at a very good value.All in all a great card that I use for everything but grocery and gas. Other cards provide a better return on those purchases.