Both the Chase Sapphire Preferred and Chase Sapphire Reserve include complimentary DashPass as a cardholder benefit. It's one of those perks that looks good on paper but raises a real question: how much is it actually worth, and does it help justify the annual fee?

What DashPass Gives You

DashPass is DoorDash's subscription tier. Subscribers get:

  • No delivery fees on eligible orders above the minimum (typically $12)
  • Reduced service fees on most orders
  • Access to DashPass-exclusive promotions

Without DashPass, a typical DoorDash order carries a $2–$5 delivery fee and a service fee that runs 10–15% of the subtotal. DashPass eliminates the delivery fee and reduces the service fee, usually saving $3–7 per order depending on the restaurant and order size.

How Much Does DashPass Save Per Year?

At face value, DashPass costs $9.99/month or $96/year (annual plan). On 2 orders per week, the savings from eliminated delivery fees alone come to roughly $400–600 per year — well above the subscription cost. For occasional users (2–4 orders/month), the math is tighter but still usually positive.

For Sapphire cardholders, the benefit is included at no extra charge. That means:

  • Sapphire Preferred ($95/yr annual fee): DashPass at $9.99/month retail value covers roughly the entire annual fee in perceived savings alone — before counting any rewards earnings.
  • Sapphire Reserve ($550/yr annual fee): DashPass adds value but the fee requires the full stack of perks (travel credit, lounge access, etc.) to justify.

What the Benefit Actually Requires

To activate the DashPass benefit, you link your Chase Sapphire card to your DoorDash account. The DashPass membership remains active for as long as you hold the qualifying Chase card.

Important note: the benefit applies to DashPass for DoorDash, not for Caviar (DoorDash's premium marketplace). Most users order through DoorDash proper, so this distinction rarely matters.

Stacking Points on Top of DashPass Savings

When you pay with your Chase Sapphire card on DoorDash, you earn 3x Ultimate Rewards on dining (food delivery codes as dining). So on a $40 order:

  • Without DashPass: $5 delivery + ~$5 service fee = $50 total, earn 150 UR points ($3 in travel value)
  • With DashPass: $0 delivery + reduced service fee $2 = $42 total, earn 126 UR points ($2.50 in travel value) — but you saved $8 in fees

The fee savings dominate the points math. DashPass is more valuable for what it prevents (fees) than for how it affects your point accumulation.

When DashPass Matters Less

  • If you primarily use Uber Eats, Instacart, or Grubhub — DashPass only covers DoorDash.
  • If you order infrequently (once a month or less) — the fee savings are small relative to the annual fee discussion.
  • If you're already paying for DashPass directly — the Chase benefit replaces that cost and saves you ~$96–$120/year, effectively reducing your net annual fee.

Does Chase Sapphire Preferred include DashPass?

Yes. Chase Sapphire Preferred cardholders receive complimentary DashPass as long as they hold the card and activate it through the DoorDash app. DashPass normally costs $9.99 per month and waives delivery fees on qualifying orders. For cardholders who order from DoorDash regularly, this perk alone covers a significant portion of the $95 annual fee.

Does Chase Sapphire Reserve also include DashPass?

Yes, Chase Sapphire Reserve includes the same complimentary DashPass benefit as the Preferred. Reserve cardholders also earn 3x Ultimate Rewards on dining (including DoorDash orders) and receive a $300 annual travel credit that offsets the higher $550 annual fee.

Can I use DashPass with a card other than Sapphire?

DashPass can be activated with any Chase credit card (not just Sapphire), though the specific perk inclusion varies by card. For Sapphire Preferred and Reserve, the DashPass benefit is explicitly included and activated by linking your card in the DoorDash app. Other Chase cards (like the Freedom series) do not include DashPass as a benefit — you'd need to pay the monthly subscription if you want the service.

Track how DoorDash fits into your overall rewards strategy with CardCurator's merchant comparison tool.