Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $99/yr for the Korean Air SKYPASS Visa Signature Business Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve or Korean Air SKYPASS Visa Signature Business Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Reserve have that the Korean Air SKYPASS Visa Signature Business Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Korean Air SKYPASS Visa Signature Business Card offers lounge access.

Should I get the Chase Sapphire Reserve or the Korean Air SKYPASS Visa Signature Business Card?

Choose the Korean Air SKYPASS Visa Signature Business Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $99/yr for the Korean Air SKYPASS Visa Signature Business Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve or Korean Air SKYPASS Visa Signature Business Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Reserve have that the Korean Air SKYPASS Visa Signature Business Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Korean Air SKYPASS Visa Signature Business Card offers lounge access.

Should I get the Chase Sapphire Reserve or the Korean Air SKYPASS Visa Signature Business Card?

Choose the Korean Air SKYPASS Visa Signature Business Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $99/yr for the Korean Air SKYPASS Visa Signature Business Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve or Korean Air SKYPASS Visa Signature Business Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Reserve have that the Korean Air SKYPASS Visa Signature Business Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Korean Air SKYPASS Visa Signature Business Card offers lounge access.

Should I get the Chase Sapphire Reserve or the Korean Air SKYPASS Visa Signature Business Card?

Choose the Korean Air SKYPASS Visa Signature Business Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Chase Sapphire Reserve vs Korean Air SKYPASS Visa Signature Business Card

The Korean Air SKYPASS Visa Signature Business Card ($99/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Chase Sapphire Reserve

Chase

No image

Korean Air SKYPASS Visa Signature Business Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

$795

$99

Welcome Bonus

125,000 Flex point

50,000 Airline

Earn Rates

Category	Chase Sapphire Reserve	Korean Air SKYPASS Visa Signature Business Card
Flights	4X	1X
Hotels

Category-by-Category Winner

The Korean Air SKYPASS Visa Signature Business Card wins in 4 of 7 categories. The Chase Sapphire Reserve leads in 3.

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Dining

Chase Sapphire Reserve earns 3X vs 2X

Korean Air Purchases

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Gas Stations

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Telecom

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Office Supplies

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Reserve costs $795/yr — that's $696 more than the Korean Air SKYPASS Visa Signature Business Card ($99/yr). To justify that gap, you need to extract at least $696 in annual value from the card's higher earn rates and benefits.

The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

The Bottom Line

The Korean Air SKYPASS Visa Signature Business Card has a lower annual fee ($99 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Korean Air SKYPASS Visa Signature Business Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $99/yr for the Korean Air SKYPASS Visa Signature Business Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve or Korean Air SKYPASS Visa Signature Business Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Chase Sapphire Reserve have that the Korean Air SKYPASS Visa Signature Business Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Korean Air SKYPASS Visa Signature Business Card offers lounge access.
Should I get the Chase Sapphire Reserve or the Korean Air SKYPASS Visa Signature Business Card?: Choose the Korean Air SKYPASS Visa Signature Business Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

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Chase Sapphire Reserve — Full Review All Chase Cards

Korean Air SKYPASS Visa Signature Business Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · U.S. Bank cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Chase Sapphire Reserve vs Korean Air SKYPASS Visa Signature Business Card

Chase Sapphire Reserve

Chase

No image

Korean Air SKYPASS Visa Signature Business Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

$795

$99

Welcome Bonus

125,000 Flex point

50,000 Airline

Earn Rates

Category	Chase Sapphire Reserve	Korean Air SKYPASS Visa Signature Business Card
Flights	4X	1X
Hotels

Category-by-Category Winner

The Korean Air SKYPASS Visa Signature Business Card wins in 4 of 7 categories. The Chase Sapphire Reserve leads in 3.

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Dining

Chase Sapphire Reserve earns 3X vs 2X

Korean Air Purchases

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Gas Stations

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Telecom

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Office Supplies

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

The Bottom Line

The Korean Air SKYPASS Visa Signature Business Card has a lower annual fee ($99 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $99/yr for the Korean Air SKYPASS Visa Signature Business Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve or Korean Air SKYPASS Visa Signature Business Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Chase Sapphire Reserve have that the Korean Air SKYPASS Visa Signature Business Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Korean Air SKYPASS Visa Signature Business Card offers lounge access.
Should I get the Chase Sapphire Reserve or the Korean Air SKYPASS Visa Signature Business Card?: Choose the Korean Air SKYPASS Visa Signature Business Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Capital One Venture vs Chase Sapphire Reserve Capital One Venture X vs Chase Sapphire Reserve

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Chase Sapphire Reserve — Full Review All Chase Cards

Korean Air SKYPASS Visa Signature Business Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · U.S. Bank cards

Chase Sapphire Reserve vs Korean Air SKYPASS Visa Signature Business Card

Chase Sapphire Reserve

Chase

No image

Korean Air SKYPASS Visa Signature Business Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

$795

$99

Welcome Bonus

125,000 Flex point

50,000 Airline

Earn Rates

Category	Chase Sapphire Reserve	Korean Air SKYPASS Visa Signature Business Card
Flights	4X	1X
Hotels

Category-by-Category Winner

The Korean Air SKYPASS Visa Signature Business Card wins in 4 of 7 categories. The Chase Sapphire Reserve leads in 3.

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Dining

Chase Sapphire Reserve earns 3X vs 2X

Korean Air Purchases

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Gas Stations

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Telecom

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Office Supplies

Korean Air SKYPASS Visa Signature Business Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

The Bottom Line

The Korean Air SKYPASS Visa Signature Business Card has a lower annual fee ($99 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $99/yr for the Korean Air SKYPASS Visa Signature Business Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve or Korean Air SKYPASS Visa Signature Business Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Chase Sapphire Reserve have that the Korean Air SKYPASS Visa Signature Business Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Korean Air SKYPASS Visa Signature Business Card offers lounge access.
Should I get the Chase Sapphire Reserve or the Korean Air SKYPASS Visa Signature Business Card?: Choose the Korean Air SKYPASS Visa Signature Business Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Capital One Venture vs Chase Sapphire Reserve Capital One Venture X vs Chase Sapphire Reserve

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Chase Sapphire Reserve — Full Review All Chase Cards

Korean Air SKYPASS Visa Signature Business Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · U.S. Bank cards

Pros & Cons

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+2X miles on Korean Air purchases plus dining, gas, telecom, and office supplies
+Automatic SKYPASS Silver elite status (baggage, upgrades, lounge access)
+50,000 bonus miles with $5,000 spend in 90 days
+Visa Signature business benefits
+No foreign transaction fee

Cons

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

−$99 annual fee (niche card, limited value outside Korean Air travel)
−1X baseline is low for non-earning categories
−Korean Air is regional/niche airline (limited reach)
−Limited to business applicants
−Requires sustained Korean Air loyalty to justify fee

Pros & Cons

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+2X miles on Korean Air purchases plus dining, gas, telecom, and office supplies
+Automatic SKYPASS Silver elite status (baggage, upgrades, lounge access)
+50,000 bonus miles with $5,000 spend in 90 days
+Visa Signature business benefits
+No foreign transaction fee

Cons

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

−$99 annual fee (niche card, limited value outside Korean Air travel)
−1X baseline is low for non-earning categories
−Korean Air is regional/niche airline (limited reach)
−Limited to business applicants
−Requires sustained Korean Air loyalty to justify fee

Pros & Cons

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+2X miles on Korean Air purchases plus dining, gas, telecom, and office supplies
+Automatic SKYPASS Silver elite status (baggage, upgrades, lounge access)
+50,000 bonus miles with $5,000 spend in 90 days
+Visa Signature business benefits
+No foreign transaction fee

Cons

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

−$99 annual fee (niche card, limited value outside Korean Air travel)
−1X baseline is low for non-earning categories
−Korean Air is regional/niche airline (limited reach)
−Limited to business applicants
−Requires sustained Korean Air loyalty to justify fee

Chase Sapphire Reserve vs Korean Air SKYPASS Visa Signature Business Card

Chase Sapphire Reserve

Korean Air SKYPASS Visa Signature Business Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Reserve vs Korean Air SKYPASS Visa Signature Business Card

Chase Sapphire Reserve

Korean Air SKYPASS Visa Signature Business Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Reserve vs Korean Air SKYPASS Visa Signature Business Card

Chase Sapphire Reserve

Korean Air SKYPASS Visa Signature Business Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?