For me

$270 annual travel credit (so far)
$150 dining credit
$ 30 apple music (use this benefit a lot!)
$ 30 apple TV (not watched anything yet though)
Trying to use $250 edit credit but keep messing up. May not be able to use before year end.

Total: $730 if EDIT used, $480 if not.

However, Also have used (old benefits) since October 26
Chase lounge x2: $150
And will use final $30 annual credit
Total: $880 (w/EDIT) $630 without

So since Oct 26, I have used almost enough benefits thus far to cover the increased fee.

For 2026: $300 dining credit, $250 EDIT, $180 apple music & TV, $300 chase lounge/priority pass (minimum, possibly 2 more visits): $1030 total. So a little more than the $795 new fee. I’m on the fence as to whether or not to continue when it’s time to renew. The Reserve travel insurance benefits (delay, cancellation, baggage coverage, etc.) are pretty good and save me from buying separate insurance. (usually $300-500 per trip). I frequently travel business, so I already have lounge access a lot of time. So the PP benefit is plus/minus (Good when traveling SW or other airline w/o lounge, also good when companions don’t already have lounge access). If it weren't so much work to use the EDIT credit (struggling to use the entire $500 EDIT in 2026) and a bit of work to use the dining credit (not a lot of options in my area), I’d lean more towards renewing.