conversation: User (davidthefat): "I have about $2500 worth of points on my Chase Reserve, which $3750 of travel perks. \n\nDo you guys cash out and invest it or hold onto it for when you might travel? "
  Self: "Question. Does the reserve really cost $450 a year or am I missing something? "
  IfJeffBezosWasAWeeb (IfJeffBezosWasAWeeb): ""Chase Sapphire Reserve Benefits. While the Chase Sapphire Reserve is publicized with a $450 annual fee, frequent fliers should really view it as a $150 annual fee due to a $300 annual travel credit."\n\ncompletely depends on how much you travel."
  Self: "Ok thanks. So if I understand right any spending on travel up to $300 you get back in credit?"
  User (davidthefat): "Yep, and Uber counts, so in a year, you'd use it up quick (I used mine up in a month or so)"
  