Chase’s Sapphire Reserve card with its too-good-to-be-true sign-up bonus—100,000 points—now has a cult-like following. But beyond the physical rewards, what is making people flock like moths to a flame? Despite its high $450 annual fee, consumers seem eager to evangelize this card. While the loyalty around the Chase credit cards—and others offering enticing benefits—is largely driven by emotion over logic, let’s take a look at how and why so many stars....