Is the $795 Chase Sapphire Reserve credit card worth it?

The Chase Sapphire Reserve costs 795 dollars a year. Here are six perks that make it worth it: Six, emergency evacuation coverage up to 100,000 dollars, huge on paper but most people never file this claim. Five, a 300 dollar dining credit, but only at a curated restaurant list. Four, a 300 dollar StubHub credit for concerts and events, only useful if you attend a couple a year. Three, up to 500 dollars in hotel credits, but requires a two night plus stay at specific hotels. Two, a 300 dollar flexible travel credit. This is automatic, no activation, and applies to almost any travel purchase, flights, hotels, rideshares, parking. This one is nearly impossible not to use if you do any travel at all. And number one, the most valuable perk on this card, complimentary Priority Pass select membership, worth over $400 a year alone. Plus, you get Chase Sapphire Reserve lounge access and some airline lounges for you and up to two guests. This is the highest dollar value from the card. You do have to activate the Priority Pass membership in the app though, so don't think you can just show up with the card and get it. Other things though, that are also big deals on this card. $120 Global Entry or Precheck credit, up to $120 every four years. $288 Apple Music/TV+ and Apple Music worth up to $288 a year. $120/yr Lyft Credits, $120/yr Peloton Credits, DashPass, IHG Platinum Elite Status, Trip Cancellation up to $10,000 per person, Trip delay insurance after 6 hours, Lost luggage insurance up to $3k, Travel Accident Insurance, Primary Rental Car coverage, Roadside Assistance 4x/yr, Purchase Protection up to $10k, Access to random events, like Madison Square Garden presales and F1 race weeks. But being a points and miles guy, the real value is in points. I've traveled many places using points and miles, and the Chase Sapphire Reserve is my go-to card. Ultimate reward transfer to: 10 airline partners, 4 hotel partners. 1:1 points transfer to: 10 airline partners, 4 hotel partners. United, Southwest, Jet Blue, Air France, KLM, Iberia, Singapore Airlines, Virgin Atlantic, Aer Lingus, Ailys. Hyatt, Marriott, IHG and Wyndham. Hyatt is definitely still the winner with a full 1:1 transfer on this card. But another card, the Sapphire Preferred, is moving to a worse rate. Here's the deal though, if you're still with me, none of this matters if you don't pay off your credit card in full every single month. This card's interest rate runs well into the 20s, even 30%. If you carry a balance, the interest wipes out every single lounge visit, every single point, many times over. These perks are only free if the card itself is free money to you, meaning you pay it off completely every month with no exceptions. If you can't confidently say you'll do that, this card isn't a deal, it's just a trap. Overall, the Chase Sapphire Reserve is a keeper for me and my family because we were already using a lot of the perks we got with this card. It's a little annoying to deal with the credits and a little annoying to deal with the timing. But what do you think? Is it worth it for you?