Chase Sapphire Preferred® vs. Chase Sapphire Reserve® | finder.com

Chase Sapphire Preferred® credit card vs. Chase Sapphire Reserve®

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See how two heavyweight travel rewards cards measure up to find which one you want in your corner.

Two of the most popular rewards credit cards for travelers are the Chase Sapphire Preferred® credit card and the Chase Sapphire Reserve®. Both cards are accepted worldwide and offer trip delay reimbursement along with trip interruption and cancellation insurance — all with no foreign transaction fees.

However, the two cards differ enough in annual fees and rewards structure to sway applicants either way.

Chase Sapphire Preferred® credit card

Chase Sapphire Preferred® credit card

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Welcome bonus Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Rewards

Earn 2x points on travel and dining. Earn 1x points on all other purchases.

Earn 3x points on travel and dining, and 1x points on all other purchases.

Purchase APR (annual percentage rate)

17.74% to 24.74% variable

17.74% to 24.74% variable

Annual fee $0 the first year, then $95 $450
Balance transfers

APR: 17.74% to 24.74% variable

Fee: $5 or 5% of the transaction, whichever is greater

APR: 17.74% to 24.74% variable

Fee: $5 or 5% of the transaction, whichever is greater

Cash advance

APR: 26.74% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 26.74% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee None None
Late payment fee $37 $37
Additional cardholder fee $0 $75
Interest-free period 21 days 21 days
Minimum interest $0 $0
Minimum credit score 720 720
Card type Credit Credit
Learn more

Which card should you choose?

Chase Sapphire Preferred® credit card

Chase Sapphire Preferred® credit card

  • Rewards for spending on travel and dining
  • 25% more value when you redeem points through Chase Ultimate Rewards
  • $0 annual fee for the first year (then $95)

The Chase Sapphire Preferred® waives its annual fee for the first year and costs $95 each year after. You'll also earn an additional 5,000 bonus points once you add an authorized user and they make their first purchase within three months of opening the account.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • Rewards for spending on travel and dining
  • 50% extra point value when redeemed through Chase Ultimate Rewards
  • $300 annual travel credit

The Chase Sapphire Reserve® is a handy travel credit card as it reimburses you up to $100 every four years for TSA PreCheck or Global Entry. It can also get you into over 900 VIP airport lounges in over 400 cities with complimentary Priority Pass Select. You'll also like that the card's purchase protection will pay as much as $10,000 per claim, up to $50,000 per year, for added peace of mind.

What’s next?

You should decide whether you’ll be able to maximize the rewards of the Chase Sapphire Reserve® for the price tag of $450 a year, or if the Chase Sapphire Preferred® credit card is more up to your speed for spending and perks.

If you aren’t satisfied with the rewards and fees of either card, move on and keep comparing. With so many different types of cards on the market, you shouldn’t have to settle for a credit card that you’re not completely confident in.

Compare travel credit cards

Name Product Welcome Bonus Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
1 points
16.74% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1 points
16.74% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
2 points
16.74% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
Earn 60,000 points after spending $5,000 in the first 3 months
1 points
None (Charge Card)
$550
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
Earn 25,000 points after spending $2,000 in the first 3 months
1 points
None (Charge Card)
$0 annual fee for the first year ($195 thereafter)
25,000 bonus Membership Rewards® Points (up to $250 value) when you spend $2,000 in the first 3 months
Earn 25,000 points after spending $1,000 in the first 90 days
1.5 points
16.74% to 24.74% variable
$0
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
Earn 50,000 points after spending $4,000 in the first 3 months
1 points
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Earn 50,000 points after spending $3,000 in the first 90 days
1.5 points
17.74% to 24.74% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
Earn 50,000 points after spending $4,000 in the first 3 months
1 points
17.74% to 24.74% variable
$450
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Earn 50,000 miles after spending $3,000 in the first 3 months
2 miles
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 40,000 miles after spending $2,000 in the first 3 months
1 miles
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.* Plus a $100 statement credit after your first purchase.
Earn 40,000 points after spending $1,000 in the first 3 months
1 points
17.74% to 24.74% variable
$99
40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open

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