Forget the Chase Trifecta, the Sapphire Reserve covers 90% of your travel needs and does so at a shocking Effective Annual Fee. The Sapphire Reserve has the easiest travel credit to use and provides amazing value on ride shares, food delivery, and potentially huge savings at Marriott. Is it a perfect card; far from it, but as a year 1-3 premium travel card, it beats the Vanilla and Charles Schwab American Express Platinum and the Capital One Venture X. It should be the go-to Travel card for anyone but the most hardcore frequent fliers.

Unless you are a frequent flier or get the American Express platinum covered by Morgan Stanley, get the Sapphire Reserve...until Chase fixes the Preferred and the rest of the lineup.

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