As 2025 comes to a close, it should be interested to see how much of the new rebranded benefits have been used by Sapphire Reserve cardholders since October 26th, and how that compares to the new annual fee. Also how easy has each benefit been to use, and what tips or tricks should everyone consider for 2026? Will you be renewing next year?

My tally:

• Travel Credit: $300. If you aren't using this $300 credit, then you probably shouldn't have this card. Automatic without any extra planning required.
• EDIT Credit: $0. I have a trip where I stayed at two edit hotels for 2-3 nights each back in September. Booked market rates (i.e. versus booking direct) and with points boost. I would have used the whole $500 on that if the credit was active. This is a wildcard for me for 2026, but we shall see. Trying to maximize value on this is exhausting since it pushes you to book expensive places you may not have booked otherwise, and the Chase travel portal plays a lot of games on pricing and availability.
• Lyft credits: $30. Honestly really easy to use since I travel a lot, so it is automatically used once a month. The DashPass membership also translates to 5-10% discounted Lyft rides, which is also nice. My biggest problem with this is arguing with my accounting department on trying to expense my chase credits...
• Chase Dining: $150. Had a nice date night at Pig and Khao in NYC. Recommend if you want a nice dinner that lands at ~$150 and is relatively easy to get a reservation. I see myself using this consistently, though the list of participating restaurants is somewhat confusing. You also have to be careful not to go to some $600/person Omakase (or whatever) place.
• Chase Shopping: $250. Bought some Air Pods Pro 3 for my wife. They took forever to ship, but ultimately resulted in free Air Pods. Be careful with Chase Shopping as non-Apple items tend to have inflated prices. Will likely use this again next year once I hit the $75k spend. I don't use Apple products, but my family does.
• StubHub: $150. I bought two tickets for a Broadway show next year. Fairly straightforward, though I am a bit bitter on it since I usually buy direct from the box office for stuff like this to avoid the StubHub fees. Will probably continue to use this given I see shows and/or baseball games a few times a year.
• Apple TV: $39. I didn't have Apple TV, and now I do. Passive credit and value from this,
• Apple Music: $33. My wife previously had her own subscription and now has this. Passive credit and value from this.
• Dash Pass: $0. I am sure there is some value from this, but I never use it. I have Seamless+/GrubHub+, which is almost always cheaper than base prices on Dash Pass and does not charge the ridiculous fees for pickup/delivery.
• Southwest Credit: $500. I don't generally fly WN if I can avoid it, but I activated this credit regardless. I will find somewhere to use this next year as it expires in December 31, 2026. Also nice that you get A-List with it, though A-List is mostly worthless.
• IHG Diamond: ???. I guess? I will stay at IHG from time to time when they have the better locations and/or rates, but I don't have much loyalty to hotel programs. The Diamond benefits they have are lackluster at best.

All told I can show $1,302 in tangible benefits in 2-3 months, caveat on me using the WN credit. My card renews in March and I am likely to keep it around. A lot of my spend is on dining and direct hotels/flights for work, so that is up to 6-8% back on Chase travel which isn't even quantified here. The travel insurance and lounges are also nice to have, though somewhat intangible value. The Chase Travel portal can really grind my gears sometimes, though.