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.

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
Best for
Best for
  • Travel rewards and a great signup bonus
  • Incredible signup bonus and premium travel perks
Welcome offer
Welcome offer

60,000 points after spending $4,000 in the first 3 months

50,000 points after spending $4,000 in the first 3 months

Rewards
Rewards

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

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

17.49% to 24.49% variable

18.49% to 25.49% variable

Annual fee
Annual fee $95 $550
Balance transfers
Balance transfers APR: 17.49% to 24.49% variable

APR: 18.49% to 25.49% variable

Cash advance
Cash advance

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

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0 $75
Interest-free period
Interest-free period 21 days 21 days
Minimum interest
Minimum interest $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

Read review

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Which card should you choose?

Chase Sapphire Preferred® Card

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®

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.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Delta SkyMiles® Gold American Express Card
60,000 miles after spending $2,000 in the first 3 months, plus 10,000 miles after your first anniversary
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 miles after spending $2,000 in the first 3 months, plus 10,000 miles after your first anniversary. Rates & fees
CardMatch™ from creditcards.com
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See terms
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Can't decide on a card? Get personalized credit card offers with CardMatch™.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

Compare up to 4 providers

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