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

Chase Sapphire Preferred® 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® 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® Card

Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

Chase Sapphire Reserve®

finder.com's rating
finder.com's rating

★★★★★

4.0 / 5.0

★★★★★

4.6 / 5.0
Welcome offer
Welcome offer 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 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
Rewards

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

Earn 3x points on dining and on travel after you've earned your $300 travel credit. Earn 1x points on all other purchases.

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

17.99% to 24.99% variable

17.99% to 24.99% variable

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

APR: 17.99% to 24.99% variable

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

APR: 17.99% to 24.99% variable

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

Cash advance
Cash advance

APR: 26.99% variable

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

APR: 26.99% variable

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

Late payment fee
Late payment fee $38 $37
Additional cardholder fee
Additional cardholder fee $0 $75
Interest-free period
Interest-free period 21 days 21 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 740
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Which card should you choose?

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® 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® 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 Chase Sapphire Reserve® vs. The Platinum Card® from American Express

Compare travel credit cards

Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
1 miles
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of Card Membership. Rates & Fees
50,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1 points
See Rates & Fees
$250
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
2 miles
17.99%, 21.99% or 24.99% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your 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. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of Card Membership. Rates & Fees
10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
1 miles
17.74% to 26.74% variable
$0
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
2 points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
1 points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1 points
16.99% 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
16.99% 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.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
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Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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