How to make the most of Chase Sapphire Reserve's 5 lifestyle credits

The Chase Sapphire Reserve® (see rates and fees) offers more than $1,000 in annual lifestyle credits — enough to easily offset its $795 annual fee. These perks span dining, entertainment, fitness and transportation, adding meaningful everyday value to an already top travel card.

When the card was refreshed mid-year, only new cardholders (those who applied on or after June 23) got access to the new credits. As of Oct. 26, however, all cardholders (including those who opened their accounts before June 23), can now access the full suite of credits.

In this guide, we'll break down each of the new lifestyle credits and show you how to make the most of them to maximize your card's value.

Chase Sapphire Reserve lifestyle credits

The Sapphire Reserve's five lifestyle credits include popular services and total up to $1,090 in annual value.

Now, let's break down each credit individually.

DoorDash

Value: $300, split into monthly credits of $5 for restaurants and two $10 non-restaurant credits.

DoorDash is clutch for those nights you don't want to cook or when you need some grocery items to complete a recipe.

The Sapphire Reserve's monthly $5 DoorDash restaurant credit is offered as an in-app credit for all restaurant orders per calendar month. The two $10 promos on non-restaurant purchases apply to grocery, convenience or other non-restaurant orders. You'll also get a complimentary DoorDash DashPass membership valued at $120.

You must activate by Dec. 31, 2027, to receive the credits and membership.

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While I don't have the Sapphire Reserve, I do hold the Chase Sapphire Preferred® Card (see rates and fees), which also provides a DashPass membership (after activation by Dec. 31, 2027). Since I enrolled, I've saved an annual average of $100 in fees thanks to the complimentary subscription.

This benefit is easy to maximize on the Sapphire Reserve if you remember to make three purchases on DoorDash per month — two non-restaurant purchases of at least $10 and one restaurant purchase of at least $5.

Related: Chase extends its DoorDash partnership for 3 more years — here's what that means for you

StubHub

Value: $300 annually, split into two $150 biannual credits.

Concert-goers and live sports fanatics, this one's for you. The two $150 biannual statement credits will counteract high ticket prices to special events twice a year (through Dec. 31, 2027; activation is required).

This credit is valid for StubHub or Viagogo purchases of concert and event tickets.

It's simple for those who purchase event tickets at least twice a year (once between January and June and another time between July and December) to maximize this credit.

Related: The best credit cards for sports fans

Apple TV+ and Apple Music

Value: $250 for both subscriptions.

If you're binging a show on Apple TV+ or using Apple Music as your streaming app, this credit on the Sapphire Reserve will provide you with great value.

It is earned after one-time activation for each service through chase.com or the Chase Mobile app; subscriptions run through June 22, 2027.

This credit is excellent for music fans and TV enthusiasts, especially if they already use these services. Plus, since it requires one-time activation for each app, it's easy to maximize.

Related: Get Apple TV+ and Apple Music with your Chase Sapphire Reserve

Lyft

Value: $120 annually, split into $10 monthly credits.

Chase Sapphire Reserve cardholders receive $10 credits in the Lyft app each month (through Sept. 30, 2027). Plus, after the credit is used, you'll earn 5 points per dollar spent on eligible Lyft rides.

Note that this credit does not apply to Wait & Save, bike or scooter rides on the Lyft app.

This credit is easy to use for those who use Lyft at least once a month, as it automatically loads into the app. However, you'll have to remember to use it each month since it won't carry over from month to month.

Related: A guide to Lyft benefits as a Chase Sapphire Reserve cardholder

Peloton

Value: $120 annually, split into $10 monthly credits toward a membership.

Fitness enthusiasts can reduce the cost of their Peloton membership with the Sapphire Reserve (through Dec. 31, 2027), and they'll also receive bonus points on eligible Peloton equipment purchases.

Monthly memberships start at $9.99 (plus tax). This credit won't be difficult to use if you have a Peloton membership that automatically posts to your account each month.

The card continues to earn 10 points per dollar spent on all eligible Peloton equipment purchases (on purchases over $150, up to 50,000 total points; through Dec. 31, 2027).

Related: Chase Sapphire cardholders: Earn up to 10 points per dollar with Peloton

Bottom line

The Sapphire Reserve's $795 annual fee can be offset by these five credits alone, as they add up to more than $1,000 in value. If you already use these services, holding this card could offer you fantastic value.

However, it's important to consider whether or not you'll be able to keep up with the credits, as it may require some extra organization to remember which are biannual, monthly or annual. Staying on top of your statement credits — and not letting any of them pass you by — will be key to getting the most out of them.

For more information, see our full review of the Chase Sapphire Reserve.

Apply here: Chase Sapphire Reserve