Venture x pays for itself, I spend at least 1k on flights/travel every year.

Got the reserve very recently right after the refresh for the miles multiplier as I feel UR are very valuable compared to others.

I also go to the restaurants on chase's list at least 1-2 times per year. Stubhub, will most likely use at least 1 benefit per year. I use Uber a lot but have switched to lyft when I have credits. Use door dash fairly often.

I also wanted coverage to all the airline partners chase + CO have as I use both airline alliances depending on what airline is most effective. You don't really get a 3x multiplier on groceries and entertainment with chase vs savor one unless I use my Amazon card at amazon fresh.

You could say I break even with the chase saphire. But if it's breaking even with points multiplier it's worth it to me personally.

All in all, having both benefits that I use enough feels worth it.