The Insider Picks team writes about stuff we think you'll like. Business Insider may receive a commission from The Points Guy Affiliate Network. SkyTeam The Chase Sapphire Reserve is an incredibly popular credit card, especially considering that it has a high annual fee. The card comes with tons of travel perks, earns rewards quickly on your normal everyday spending, and offers a big sign-up bonus. Here are the benefits that get you way more value than the annual fee costs. When Chase launched its Sapphire Reserve credit card in 2016, it got the kind of hype you'd normally see for the newest iPhone.