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Re:PayPal adds “non-discouragement” clause to their User Agr... by lotsofpulp on Saturday February 11, 2017 @06:04PM (#13625394)
Sapphire reserve gives you at least $1,500 up front if you spend $4k in first 3 months, and you get at least 4.5% back on restaurant and travel for a card that costs $130 per year assuming you use travel credit and global entry.

For many people traveling and eating out, the 4.5% will easily cover the $130 expense and so you easily make up the yearly fee.

Re:PayPal adds “non-discouragement” clause to their User Agr... by spizder on Saturday February 11, 2017 @06:16PM (#13625445)
There are several $0/year cards that give you back 2% on every purchase, so in comparison Saphire card gives you 2.5% on travel/restaurants and -0.5% on everything else.
Re:PayPal adds “non-discouragement” clause to their User Agr... by lotsofpulp on Saturday February 11, 2017 @06:37PM (#13625548)
That's why I don't use sapphire reserve for stuff other than travel and restaurant.