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Card vs Card Comparison

Chase Sapphire Preferred
vs
Chase Sapphire Reserve.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Chase

Chase Sapphire Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

Currently around 75K points after spend, see issuer for the current offer

Top earning rates

  • →5x on Chase Travel
  • →3x on dining, online grocery, and streaming
  • →2x on other travel

Top perks

  • →$50 annual hotel credit on Chase Travel
  • →10% point bonus on your cardmember anniversary
  • →Primary rental car insurance
See Chase Sapphire Preferred detailsarrow_forward

Chase

Chase Sapphire Reserve

Annual fee

$795

Points

Ultimate Rewards

Signup bonus

Currently around 75K points after spend, see issuer for the current offer

Top earning rates

  • →8x on Chase Travel bookings (post-2025 refresh)
  • →4x on flights and hotels booked direct
  • →3x on dining

Top perks

  • →$300 annual travel credit that auto-applies to any travel charge
  • →Up to $500 The Edit luxury hotel credit
  • →$300 dining credit at qualifying restaurants
See Chase Sapphire Reserve detailsarrow_forward

The verdict

When each card wins.

Chase Sapphire Preferred wins if

Pick this if you want the best $95-fee travel card on the market and access to Chase transfer partners.

Honest downside: No lounge access. No $300 travel credit. High spenders will outgrow it quickly.

Chase Sapphire Reserve wins if

Pick this if travel and dining are your largest spend categories and you want to transfer points to Hyatt for strong hotel value.

Honest downside: The $795 fee only pencils out if you actively use the credit stack. Pure transfer-and-travel users may prefer the Preferred at $95.

At a glance

Side-by-side spec sheet.

SpecChase Sapphire PreferredChase Sapphire Reserve
Annual fee$95$795
Points currencyUltimate RewardsUltimate Rewards
Signup bonusCurrently around 75K pointsCurrently around 75K points
Top earn category5x on Chase Travel8x on Chase Travel bookings (post-2025 refresh)
Second earn category3x on dining, online grocery, and streaming4x on flights and hotels booked direct
Third earn category2x on other travel3x on dining
Signature perk$50 annual hotel credit on Chase Travel$300 annual travel credit that auto-applies to any travel charge
IssuerChaseChase

Questions

Frequently asked.

Which is better, Chase Sapphire Preferred or Chase Sapphire Reserve?

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Chase Sapphire Preferred wins if you want the best $95-fee travel card on the market and access to Chase transfer partners. Chase Sapphire Reserve wins if travel and dining are your largest spend categories and you want to transfer points to Hyatt for strong hotel value.

Can I have both the Chase Sapphire Preferred and the Chase Sapphire Reserve?

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Both cards are issued by Chase, so the issuer's application rules apply. Many cardholders carry both if the perks don't overlap, but check your issuer's velocity rules before applying for two cards close together.

Which has the higher annual fee, Chase Sapphire Preferred or Chase Sapphire Reserve?

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Chase Sapphire Reserve has the higher annual fee at $795, compared to $95 for Chase Sapphire Preferred. Whether the pricier card is worth the difference depends on which credits and perks you use each year.