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Chase Sapphire Preferred® Card vs. Chase Sapphire Reserve®
See how two heavyweight travel rewards cards measure up.
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The main differences between these cards are their annual fees and rewards. The Chase Sapphire Preferred® Card costs $95 a year, while the Chase Sapphire Reserve® carries a $550 annual fee. The former offers 2x points on travel and dining; the latter offers 3x points on travel and dining after you earn your $300 annual travel credit.
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Chase Sapphire Preferred® Card
|
Chase Sapphire Reserve®
|
|---|---|
|
★★★★★ 4.0 / 5.0 |
★★★★★ 4.6 / 5.0 |
|
|
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60,000 points after spending $4,000 in the first 3 months |
50,000 points after spending $4,000 in the first 3 months |
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5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases |
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases |
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17.49% to 24.49% variable |
18.49% to 25.49% variable |
| $95 | $550 |
| APR: 17.49% to 24.49% variable | APR: 18.49% to 25.49% variable |
|
APR: 26.49% variable Fee: $10 or 5% of the transaction, whichever is greater |
APR: 26.49% variable Fee: $10 or 5% of the transaction, whichever is greater |
| None | None |
| Up to $39 | Up to $39 |
| $0 | $75 |
| 21 days | 21 days |
| $0 | |
| 670 | 740 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
Chase Sapphire Preferred® Card
- Signup bonus. Earn 60,000 bonus points when you spend $4,000 in your first 3 months when you open your account. That's $750 in value when redeemed for travel purchases via the Chase Ultimate Rewards portal.
- Earn reward points. Every time you use your card toward travel and dining purchases, you earn 2x points. All other purchases earn 1x points.
- Point transfer. You can transfer your points in 1:1 ratio with Chase's hotel and airline partners, including British Airways, Air France KLM, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic, IHG, Marriott and World of Hyatt.
Chase Sapphire Reserve®
- Signup bonus. Earn 50,000 bonus points when you spend $4,000 in your first 3 months of card membership. This is worth $750 if you redeem through the Chase Ultimate Rewards travel portal.
- Earn rewards points. Earn 3x points on travel and dining at restaurants worldwide and 1x points on all other purchases. The 3x points can be worth 4.5% back if redeemed on travel purchases through the Chase Ultimate Rewards. You also earn 10x points on Lyft purchases until March 2022. This can be worth up to 15% back in travel purchases via the Chase Ultimate Rewards portal.
- Annual travel credit. Get $300 in statement credit as reimbursement for your travel purchases every year on your card account anniversary.
If you aren’t satisfied with the rewards and fees of either card, keep comparing options. With so many different cards on the market, there’s no need to settle.
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