Is The Chase Sapphire Reserve Still Worth It? (2020)

Filed Under: Chase, Credit Cards
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The Chase Sapphire Reserve® Card (review) was introduced nearly four years ago, in the summer of 2016. It quickly became one of the most popular premium credit cards, and demand greatly exceeded what anyone was likely expecting.

However, the credit card landscape has no doubt evolved over the past several of years, as we’ve seen the major credit card issuers racing to outdo one another. Not only that, but some changes were recently made to the Sapphire Reserve, as the card’s annual fee was increased, while a few limited-time benefits were added as well.

When the Sapphire Reserve was introduced just about everyone agreed it was worth it. In this post, I wanted to take an updated look at this card, and really crunch the numbers as to whether this card still makes sense, or whether you should consider another card instead.

Chase Sapphire Reserve benefits

The Chase Sapphire Reserve has a $550 annual fee, and has long offered a variety of benefits, including the following:


Priority Pass lounge access is an awesome perk

On top of that, at the beginning of 2020 we saw some changes made to the Sapphire Reserve:

The Sapphire Reserve now offers a one year Lyft Pink membership

How much is the Sapphire Reserve “costing” me?

The challenge with crunching the “real” numbers on the Sapphire Reserve is that most of the new benefits are just valid for a year or two.

In my opinion the best we can do is decide on the value the card has for us each year, since we don’t know what the credit card landscape will look like in a couple of years, and we also don’t know if Chase will add more benefits to the card when the current limited time benefits expire.

On the most basic level, I’m paying a $550 annual fee, and I’m getting:

  • A $300 travel credit, which is more or less worth face value
  • A $60 DoorDash credit, which I’ve already gotten full value out of (and I would have spent that money on delivery regardless of whether or not the card had that benefit)

The travel credit can be used towards virtually any travel purchase

Let’s actually just stop there for a moment, since the other benefits have more “variable” value for me. I’m paying $550 and am getting $360 from the above two benefits, and then on top of that:

  • I get a one year Lyft Pink membership, which has made me switch from Uber to Lyft, and which I’ve found to be well worth it; this would retail for $240 per year, but let’s say it’s worth half that
  • I get a Priority Pass membership, which is valuable on the surface, though I have this through multiple cards, so I won’t place too much value on that
  • I get excellent travel coverage and car rental coverage, which is something I probably value at about $100 per year, since there aren’t many good cards offering bonus points on travel and great travel coverage
  • I get 3x points on dining and travel, and 10x points on Lyft

Why I’ve shifted some spend away from the Sapphire Reserve

I have all three of the most popular premium credit cards. Back in the day I put all of my dining and travel spending on the Sapphire Reserve, but that’s no longer the case:

My dining spending goes on the Citi Prestige

In other words, I’m no longer using the Sapphire Reserve for my dining and airfare purchases. At this point the only “bonused” spending going on my card is non-airfare travel purchases. For hotel spending it’s also breakeven, since I earn 3x points on the Sapphire Reserve and Citi Prestige.

In fairness, this is still a significant category, as it means I’m putting things like ridesharing, hotels, and more, on the card. In many ways this category also got better recently, as I’m now earning 10x points on Lyft rides.

Is the Sapphire Reserve still right for me?

All of this has me wondering whether the Chase Sapphire Reserve is still right for me, or if I should downgrade it to the Chase Sapphire Preferred® Card (review) or maybe just keep the Ink Business Preferred® Credit Card (review).

When considering these cards, let me share what perks of the Sapphire Reserve I do and don’t value at this point:

  • For the 3x points on dining and travel, at this point I only value 3x points on non-airfare travel purchases, since I’d rather put other purchases on the Amex Platinum and Citi Prestige
  • I value the $300 annual travel credit more or less at face value
  • The Sapphire Reserve lets you redeem points for 1.5 cents each towards travel purchases (rather than 1.25 cents), though that’s not something I personally value, since I’d rather transfer Ultimate Rewards points to airline and hotel partners
  • A Priority Pass membership is valuable, but I also get this through several other cards, so incrementally I don’t value this
  • Personally the 20% discount on Silvercar rentals is one of the most underrated benefits of the card, though I’ve been renting fewer cars lately


I rent from Silvercar with some frequency, so the discount comes in handy

Where does that leave me? Should I keep the Sapphire Reserve, should I downgrade to the Sapphire Preferred, or should I just keep the Ink Preferred?

I want to keep a premium Ultimate Rewards card

On the most basic level, the reason I want to keep one of those three cards is that they allow me to unlock the full value of the Ultimate Rewards program.

If I have one of those three cards, then I can transfer the points earned on the no annual fee Chase Freedom® (review), Chase Freedom Unlimited® (review), Ink Business Unlimited℠ Credit Card (review), and Ink Business Cash℠ Credit Card (review), to Ultimate Rewards partners.

For me the value of the overall Ultimate Rewards ecosystem remains unchanged thanks to their great no annual fee cards.

If I were to consider not keeping the Sapphire Reserve, I’d have two options.

Option #1: downgrade to the Sapphire Preferred

One option is to downgrade the Sapphire Reserve to the Sapphire Preferred. Long term I could see myself doing this, because the major downside is giving up 1x points on non-airfare travel purchases, and I’d lose out on the 20% Silvercar discount.

However, for now, I can’t justify this, because of the benefits the Sapphire Reserve has added in the short term with DoorDash ($60 credit) and Lyft (Lyft Pink & 10x points).

Option #2: cancel my Sapphire Reserve and stick to the Ink Preferred

The Ink Business Preferred is a $95 annual fee business card that offers 3x points on the first $150,000 of combined purchases per cardmember year on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines

This is a phenomenal card given that it offers the same 3x points on travel as the Sapphire Reserve (though it’s capped).

If I canceled my Sapphire Reserve I’d save quite a bit in annual fees, I’d still be able to transfer points to partners, and I’d still earn 3x points on travel.

Long term the loss would be fairly limited. However, for the time being I do find the card worthwhile for the DoorDash and Lyft perks.

Go figure that these are limited time, so I’ll likely be doing this math again in a year.

Bottom line

Having a card earning Ultimate Rewards points is still very much worth it, especially since it opens up value with four fantastic no annual fee cards — the Chase FreedomChase Freedom UnlimitedInk Business Unlimited, and Ink Business Cash.

However, with me having shifted my dining spending to the Citi Prestige and my airfare to the Amex Platinum, the Sapphire Reserve isn’t quite the slam dunk that it used to be.

Long term I could see myself turning in the Sapphire Reserve in favor of the Ink Preferred, though in the next year I just can’t justify it.

While I’m not happy about the annual fee increase, I can’t deny that the term perks that have been added more than justify the hike for this year. The question is what benefits will be added to the card long term, if any.

How are you feeling about the value proposition of the Sapphire Reserve nowadays?

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Comments
  1. Ben, the Lyft membership stays whether you keep the card or not.

    So you’re really looking at an additional $60 Doordash credit on the second year, and 10x points per Lyft.

    You could alternatively use the SoFi card for 20% discount on Lyft.

    Taking that into account may change your decision.

  2. I keep the CSR for the primary car rental coverage and also use it for cheaper flights: if a flight is more expensive more I’ll use Amex Plat for a 5x (since more spend more opportunity cost to not use Amex), but I find for cheaper flights I’ll use CSR for only 3x since my understanding is that Amex’s travel coverage is limited to a set number of claims each year.

  3. I am sort of in the same pickle. With that said, I think I would rather cancel my AMEX Plat than the CSR. The 5x is nice but given how much harder the travel credits are and the fact I find the Centurion Lounges less and less pleasant places to spend time I think that is the better choice to dump.

  4. I don’t value the delivery credits. Sure, I’ll use them. However, I wouldn’t use them if it wasn’t for the credit. The prices are marked up as well (seems even worse with Door Dash vs others). I’m thinking of canceling my CSR. I don’t use 1.5cpp and only transfer points. The only unique partners are United (recently devalued dynamic pricing) and Hyatt (recently added peak awards but still decent value). In a similar fashion I also am thinking of canceling my AMEX Gold. The GrubHub credit along with the airline incidental credit requires to much work to take advantage of. I may just stick with AMEX Plat and the AMEX BBP. I’ll need to find a good dining card that doesn’t require too many hoops.

  5. Whether you keep the CSR or dump another card, the days of basically having every premium travel card are over. With annual fees going up, it’s time for everyone to trim. If you want to downgrade from CSR, CSP + CFU is a great combo for 95% of people

  6. In a similar scenario, but thinking I might move my travel spend to a USBAR. That leaves the 1.5cpp redemption as the main feature of the CSR, but is that really worth paying $155 for?

  7. Fairly similarly situated, except that I’m using Amex Gold for dining, and generally agree with your analysis. I’ll get almost two full years of Lyft and Doordash benefits for paying one annual fee at the new rate this fall, so it’s a pretty easy call to keep until fall 2021. Beyond that we’ll see. And since the card will also be four years old this fall, it’s possible that I’ll change my mind, dump it, and get new CSP.

  8. It’s rapidly descending to “meh” level among the cards I use. I like the CDW coverage for rentals but PP lounge access is hit-or-miss no matter where you try and use it. I have primary CDW on my auto insurance anyway. Lyft, Doordash, and the other perks are just a big shell game when you consider the increase in the annual fees.
    The loss of the Chase CC spending waiver for UA status qualification is the biggest reason why I’m canceling all my Chase branded products and moving to BofA/AS and probably the AMEX Platty.

  9. I am thinking I may get a combination of the Wells Fargo Propel card for 3x on basically everything that the CSR provides and the Wells Fargo Visa Signature card which gives you $1.50 likewise per point on airfare. This is a $0 annual fee setup. Does it lack some goodies the CSR has? Certainly. Primary coverage for rental cars only happens out of country but I think I can be ok with that. There is also no Priority Pass but as I have status with Delta that isnt so important either. Is anyone using this setup today and can share experience?

  10. I cannot justify the increased annual fee. However, I am looking for a replacement card that offers access to Priority Pass restaurants, not lounges, and Global Entry fee will be a plus as I need to renew it in early 2021. Hopefully, Trump will be voted out this year so he won’t target CA the same way he is putting NY State on the chopping block now. Also, is Ink Plus considered as a premium card? I need to know before yanking CSR as I do not want to lose all my UR points. Thanks

  11. I’ve had the csr for a few months now, before the higher annual fee started, so I’ll keep it for now. American Express cards are hard to use internationally, so those aren’t appealing. I live close to a Delta hub, so I do have that card. I mainly want something for travel charges, like dining and housing, but I don’t want to be stuck to a certain hotel. Thus, staying with csr for now. I would like a card with good airport lounge access.

  12. I will add that I had the Uber card for a while and loved it. They revamped it, ruined it, and thus I switched to the csr. I’m in the millennial group. 🙂

  13. Personally I have the Amex Platinum and CSR plus 6 others mainly linked to hotels or airlines with free nights/companion tickets that more than cover their annual fee.

    I get value from Amex Plat and CSR well beyond the combined $1100 a year. On the other hand I travel a lot, am retired and in great financial shape so don’t need to worry about justifying every hundred $ (or even thousand $).

    The travel benefits, to me, of both cards are well worth their cost not even counting any points I earn. Again just me but I never go through the “is it worth it drill” and hopefully am never at a point where $500-$1000 a year matters to me.

  14. The only real benefit to keeping this particular card is the PP dining that if you even travel modestly especially two people makes it worth the extra vig. All other benefits are more or less equal. That one benefit if Chase took away would end it for me. I am still on the ropes as it is but my renewal is not until September and a long international trip ahead of me before hand. I also have a AMEX PLT which is also in “play” this year.

  15. “Personally the 20% discount on Silvercar rentals is one of the most underrated benefits of the card, though I’ve been renting fewer cars lately”. You DO NOT need to have the Chase Sapphire Reserve to use this code. Any card with the Visa Infiniti logo can use the code VISAINF20.

  16. Ben, you don’t explain why you don’t use the Chase 33% portal discount, but you certainly otherwise pay outright for some of your hotel stays. Maybe because of perks by booking cash rooms thru Ford?

    Regardless, it takes 2-3 moderately-priced rooms purchased on the Chase portal to make up the residual fee & then quickly be a no-brainer to hold. Especially if you stay at a few boutique (not part of Hyatt) or non-chain (Four Seasons, Mandarin) properties a year.

  17. The biggest perk of the CR is the travel insurance, which includes a max 100k for medical evacuation, which can be financially devastating

  18. Chase increased the annual fee while simultaneously offering temporary perks (Lyft, Doordash) knowing full well that the majority of its customers aren’t going to get much value out of it. It’d be a different story if those perks were permanent, but Chase’s hope is you can use these extra benefits for a year or two and then upon expiration you’re no longer sensitive to the $550 fee.

    No way. Prestige and AMEX Plat are now better for long-term spending habits.

  19. After I decided to dump UA and seek status with SQ, I needed to adjust my reward CC spend strategy accordingly. I decide to split my spend on “travel” between the AMEX Plat and the CSR, where (a) I now put all airline tickets on the AMEX Plat to get 5x AMEX MR points, with the intention of transferring them 1:1 to SQ miles, while crediting the resulting flight and status miles also to SQ; and (b) I put all other ‘travel’ spend (monthly subaway card, or other ground transportation, including making a killing earning 10x UR points for Lyft) on the CSR to keep building my stash of UR points, with the flexibility to credit them either to SQ or UA when I get to redeem at the end of the year. The CSR still gets all my spend on ‘dining’ for 3x UR points.

    In addition, the Chase Ink Business Cash earns me 5x UR points for my relatively large recurrent internet, cable and telephone bills; and the Chase Freedom Unlimited gets me 1.5x UR points for everything else.

    Because I had the AMEX Biz Plat which awards 5x only for airline tickets purchased through amextravel.com, decided to apply for the personal AMEX Plat since it awards 5x also for tickets purchased directly from the airlines, and was approved instantly with a sign up bonus of 60K MR points. The Plan is to keep both AMEX Plat cards until around June just before the annual fee for the Biz Plat is due and cancel it and keep only the Personal AMEX Plat.

    Realizing that my domestic economy tickets purchased by the government or other academic institutions to fly on UA that are generally in the G or K fare class would earn me just 25% redeemable and status miles if credited to SQ, I decided to forgo the elite status miles on domestic flights and joined Alaska to enable me to transfer their miles to SQ 1:1 for tickets of virtually every fare class.

    With the described strategy and flying internationally on Premier Economy (LH to FCO, TK to KHI, SQ to SYD), I am on my track to making SQ/*A Gold by the end June while spending under $9K, as opposed to trying to requalify for UA 1K which would cost me $24K under their new qualification requirements… no longer worth it. Since for $24K a year I could afford to fly mostly in premium cabins all year by paying outright for them, why would I need to requalify for 1K?

    Armed with the SQ Gold/*Gold status and my lifetime UA Gold/*Gold as a Million Miler, I will have the option to fly either with UA or SQ and get *G benefits (even on domestic UA flights that I credit to SQ!!!). In the meantime, whenever I fly domestically in UA economy without status, I will use the upgrade points that I earned as a UA 1K to try to upgrade to biz, until I run out of the upgrade points or they expire at the end of the current status year, and that would be the end of that.

    Think that is playing the game with a “full deck”, don’t you? 🙂

    Goodbye UA, Hello SQ!

  20. Citi Prestige does not have travel insurance. You should NEVER use it to book flight ticket/cruise. AMEX platty has uber credit that might be handy for certain area. But in LA, Uber is always more expensive, $15 credit per month is about 12. Airline incident fee is hard to use. International airline program is great.
    Do the math if you need to drop or keep. I keep CSR pertty much due to easy reimbursement of travel insurance.

  21. Today I have product-changed to CSR. I’m thrilled with my decision though the annual fee jumps to 550.
    First, I did not have any success with Citi bank products. They denied me from personal card to business.
    Second, I love AMEX Platinum with the perks it providers. However the acceptance and the spending habits of mine are largely driving my choices. We have huge dollars in dining out. I have AMEX gold and green however they are accepted out of US where I spent a lot. Really a lot. With Visa, CSR is no brained for me,

  22. This was an interesting analysis. I am also keeping the CSR and will re-evaluate in 2021.

    Have you considered dumping the Amex Plat? The credits are really annoying to use on Amex and I prefer that CSR has PP restaurant access – these are very prevalent at the airports that I use frequently.

    Ben – it would be interesting for you to write a similar article on why you are keeping Amex Plat. I wonder whether you fly Delta enough or use Centurion lounges enough to justify it in addition to the other cards and airline status programs that you have

  23. Important thing you omitted:

    I could be wrong, but United (Chase partner) now costs more points than in past
    Last year I could fly to Europe in J for 70-80k points one way

    Now, it’s consistently 155k points one way
    That’s a massive stealth devaluation

    Seems there are far fewer Saver awards than last year.

    Again I could be wrong but I’m looking out 10 months without luck.

    From Amex standpoint
    It’s very hard to use Amex internationally.
    Last year a travel colleague tried to use Amex in Barcelona
    I’d guess <10% of the places accepted it

    CSR is a Visa.

  24. Hi Lucky,

    Great article! I also have the three top cards from Amex chase and citi, I’m curious in your thought whether I should cancel citi prestige as it lost the hotel benefits. I think it will help a lot of readers if you can do a series taking about the synergies of having three top credit card and strategies, as well as whether to cancel one of the three.

  25. If you spend on average over $1000 a month on travel and dining, this card is still OK. However, if you only travel once or twice a year and don’t eat out much, you will be better off with other card with lower or no annual fee. And remember, most of the hotel spends at the main chains do not get put on the CSR, as you probably have other card too for Hilton, IHG, etc. Doordash and Lyft are temporary benefits to justify the raise in the annual fee, but they will probably disappear., and then more people will cancel the card.

  26. As usual it all comes down to the personal need for the reoccuring perks. Once and done, no longer applies to CSR. Casual travelers will find a themselves making sure to use what they can to justify the new annual fee year after year, but for frequent travelers it can be a no brainer. I find these news perks with the higher annual fee sort of gimmicky and not a heavy traveling benefit.

  27. If you can get the benefits to not cost very much, equal, or outweigh the drawbacks then it works. If you use the card for most of the benefits, it’s not that hard to do so.

  28. Few years ago every card was worth keeping. I do believe Citi Prestige was the beginning of the great devaluation cycle. CSR has followed, next will be AMEX.

    Enjoy the x4 x5 while losing other perks.

    My advice, get lots of card ASAP.

  29. I appreciate Lucky’s (over)analysis, but there is a simple way to evaluate this.

    There are cardholders who use the card constantly. There are a few who cost Chase probably $1000/year just on the Priority Pass restaurant benefit. There are others who rent cars constantly and cost Chase that much on the primary insurance benefit. Raising the AF $100 won’t shake those people loose, they are still coming out ahead.

    There are many other people who are not getting $450(-$300) worth of value out of the card already, but they are close enough to breakeven that they keep the card. Adding $100 to the AF is going to shake loose the low-hanging fruit, making it even harder for Chase to make CSR a money-maker.

    Should you keep it? If you use the benefits enough to come out ahead, great, but if you are the low-hanging fruit, move on. As Lucky wrote, it’s difficult to put enough “bonused” spending on the CSR because there are so many other travel cards.

    For example, when I got the card I was putting (very roughly) $10k-$20k on the card just in the hotel bonus category, generating way more points than the AF. Thanks to bank marketing, I now have co-branded cards for all the major hotels, plus other travel cards. The idea of putting even $5k of travel on CSR is #notgonnahappen. An extra $100 on the AF means I’m moving on.

  30. @KK13

    Hilton is AmEx. AmEx cards are no good for PP dining.

    @Pam

    Fake news about Lucky booking through Ford instead of using UR points for hotels. He has said that he’d rather use them to transfer to airline miles because he redeems those for greater than 1.5 cents each. You get the same UR to airline conversion rate even if you only have the Sapphire Preferred or Ink Preferred, so no added benefit there.

  31. Don’t forget Lucky can claim all his car rental are for business, and we probably can’t.
    So although Ink Preferred looks fantastic, many people still probably should keep Sapphire, one or the other.

  32. I have both a CSR and an AmEx Platinum. AmEx comes with $200 Uber credit, and you get 25% more reward points if you use your “business” profile with Uber. I don’t think it’s worth setting up Lyft as I’m already getting higher status with Uber due to AmEx Plat. The Doordash thing seems worth setting up though — $60 credit for meals.

  33. Lucky,

    Thanks for posting your personal analysis. I personally find perspective more entertaining to read and more useful way to examine these “is it worth it?” topics. I think it would be nice if you started to include a “my personal take” section a part of your review format. While your own situation is may be unique or not necessarily applicable to all readers, it provides a real-world datapoint and a glimpse into an overall strategy.

    Too often, these travel blogs review and pitch credit cards in a vacuum. While referrals are very much apart of the business model, it’s foolish not to discuss to cons of holding a particular card among other cards. I remember reading a few credit card inventory posts by TPG editors a while back. The lists were so extreme. Benefits and earnings overlapped. Annual fees were not really on their radar. It read like a list of cards from someone who reviews and markets credit cards for living. Even for an individual with a high income or backed by a substantial corporate expense account, it was not all that useful.

    The past few years, we’ve seen the rise of transferrable point currencies and associated ecosystems. It’s all about the overall system. It’s often optimal to hold multiple cards that complement each other. But, we’ve also seen increases in annual fees and competing cards with overlapping benefits. It’s harder to determine where to draw the line today. I think it’s helpful to continually answer these questions:

    a) Which currencies / ecosystems should one participate in?
    b) What card(s) should they use to optimize their returns in said currencies / ecosystems?

    When bloggers offer “Yes. All of them. Click here to sign up.” in response to these questions, it’s not particular useful to readers. There are constraints and everyone must optimize against them.

    Thanks for sharing a data point on where it might make sense not to get a card. I too have been thinking about a CSR vs IBP vs CSR + IBP scenarios lately.

    Once again, great post.

  34. I plan to cancel my CSR when the higher fee is billed on September 1. I’ve been burning down my points over the last year in anticipation of this fee increase because I know that the business case of the CSR will no longer work at my spending level. Whatever points I have left in August will transfer to United miles or be used as “pay with points.” I’m keeping the United Explorer card, so I’ll still have primary rental car insurance and Global Entry reimbursement. (By the way, downgrading to the CSP is not an option for me. The CSP has no business case compared to the CSR at any spending level.)

  35. @KK13 But PP from HH AMEX does not include restaurants, which is why ghostrider keeps his CSR. If one day Chase decide to exclude restaurants from PP the way Amex did, I will cancel my CRS. Most PP lounges in US do not offer decent food, that’s why for some people the restaurants that come with PP are a better option.

  36. I decided that I’d rather go with the $13 per rental upgrade to primary rental car insurance with AMEX Platinum and get rid of the Sapphire Reserve. The math works for me.

  37. If renewing at the $450 AF it can be worth it. At the $550 AF you really need to value door dash (where I live I found it extremely lacking and pathetic ) or you need to be a frequent lyft user. I doubt most people will fall into those categories if they are really honest with themselves, unless they need and can’t get PP membership from other lenders.

  38. @ Rico – Ben has posted about Four Seasons bookings thru Ford/Virtuoso. He could otherwise book 4S (often) at a discount on the travel portal.

  39. my 2 cents-we travel out of the country every year and rent a car; we use CSR b/c of the primary coverage and use the $300 for that; we also have AMEX gold; have numerous points accumulated from Marriott, Jetblue and AMEX so we do not pay to get the CSR ins. coverage

  40. @Lucky One thing you left out was the offers on the CSR can be pretty good. For example, I just banked $120 back on a stay at a Kimpton Hotel.

  41. Love all the input here, the only decision left for me is downgrade to CSP or pick up Ink Biz Preferred (again).

    I don’t travel often to PP restaurant airports and never use DD so those are of no value to me. Travel patterns for me have also changed, CSR has been good to me but come Oct that’ll change.

  42. Ben,
    You mention other cards have Priority Pass. Do any other cards have Priority Pass including restaurants? Which ones please so I can check them out. I have the Amex Hilton Honors Surpass which does include 10 PPass visits to lounges (which includes Minute Suites). There are not really that many PPass restaurants – however if you are like me I can use one of the restaurants over and over as it is out of my home airport like I used to (a nice steak restaurant) until Amex yanked the PPass restaurants.

    Also, to my knowledge the only credit card that includes evacuation coverage should you get ill, sustain an injury, or decease is CSReserve.

    My take on what the CSR annual fee is is that probably in most cases for the readers of the travel blogs the $300 travel expense would easily be met especially since it includes EZPass, parking – both airport and non airport- , buses, trains, subways, planes, and just about any expense related to travel not just trip travel. so the number to consider whether the other benefits of the CSR card are worth $250 is the analysis to make it simple. Or even more refined in that most decent cards with any benefits seem to start at a $95 fee mostly, so the number is now $155.

    So – to summarize: 2 questions:
    1. Any other cards have evacuation coverage?
    2. What other cards have Priority Pass including restaurants?

    thanks,
    J.R.

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