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Chase Sapphire Preferred® Card vs Chase Sapphire Reserve®

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Chase Sapphire Reserve, a travel, airline, points and restaurant card? Read our comparison chart below.

 Chase Sapphire Preferred CardChase Sapphire Reserve
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Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

 

Credit Card Summary

 
  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC
  • Rates and Fees
  • Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
  • Get more than $2,700 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
  • Member FDIC
  • Rates and Fees
 

Credit Card Interest Rates & Fees

Purchase APR19.99% to 28.24% Variable based on your creditworthiness and other factors20.24% to 28.74% Variable based on your creditworthiness and other factors
Balance Transfers APR19.99% to 28.24% Variable based on your creditworthiness and other factors20.24% to 28.74% Variable based on your creditworthiness and other factors
Foreign Transaction Fee$0$0
Annual Fee$95 annual fee$795 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus OfferEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
Travel RewardsEnjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchasesEarn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
1:1 point transfer to leading airline and hotel loyalty programs
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programs1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs1:1 point transfer to leading airline and hotel loyalty programs
Point RewardsEnjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchasesEarn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
Airline Status $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Dining Rewards3X points on diningEarn 3x points on dining worldwide
Airline Transfer PartnersChase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Chase Sapphire Preferred CardChase Sapphire Reserve
Pros & ConsPros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $95 annual fee
  • No intro APR
Pros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $795 annual fee
  • No introductory annual fee
  • No intro APR
Bottom LineHigh-earning rewards card for those with excellent credit... Read full reviewUltra premium credit card for luxury travelers... Read full review
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See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase.

For rates and fees of the Chase Sapphire Preferred® Card, please click here.
For rates and fees of the Chase Sapphire Reserve® card, please click here.

Which is Better: Chase Sapphire Preferred or Chase Sapphire Reserve?

Still need help deciding which travel credit card is better? Read the in-depth reviews below. You may also be interested in comparing Chase Sapphire Preferred or Capital One Venture.


Articles on Chase Sapphire Preferred® Card

Is Chase Sapphire Preferred Worth It

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.

Chase Sapphire Preferred Credit Limit

Many Chase Sapphire Preferred® Card users receive a credit limit of $5,000 - $20,000. Find out how Chase determines your credit limit and how to get an increase.

Compare Chase Sapphire Preferred to:

For rates and fees of the Chase Freedom Unlimited® card, please click here.
For rates and fees of the Ink Business Cash® Credit Card, please click here.


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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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