New: Compare up to 3 cards side-by-side instantly Compare now →
Chase Sapphire Preferred vs Chase Sapphire Reserve
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | Chase Sapphire PreferredChase | Chase Sapphire ReserveChase |
|---|---|---|
| Rating | 4.8/5 | 4.7/5 |
| Annual Fee | $95 | $795 |
| APR | 19.24% - 27.49% | 19.49% - 27.99% |
| Signup Bonus | 75,000 points after spending $5,000 in 3 months | 125,000 points after spending $6,000 in 3 months |
| Rewards Rate | 5X on Chase Travel, 3X on dining & streaming & online groceries, 2X on travel, 1X on everything else | 8X on flights, hotels & car rentals via Chase Travel, 4X on flights & hotels booked direct, 3X on dining, 1X on everything else |
| Credit Score | good | excellent |
| Pros | 5X on Chase Travel and 3X on dining, streaming, and online groceries 10% anniversary bonus points on prior year's spend No foreign transaction fees | Priority Pass lounge access and $300 annual travel credit 8X on flights, hotels & cars via Chase Travel, 4X booked direct Points worth 50% more when redeemed through Chase Travel |
| Cons | $95 annual fee No airport lounge access Limited premium perks vs. Reserve | $795 annual fee is steep even with credits Travel credit only applies through Chase Travel portal Diminishing value if you don't travel frequently |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: Chase Sapphire Preferred
With a 4.8/5 rating, the Chase Sapphire Preferred edges out the Chase Sapphire Reserve (4.7/5). At $95/yr, the value proposition is strong. The Chase Sapphire Preferred is the gold standard for everyday travel rewards. With flexible Ultimate Rewards points that transfer to 14+ airline and hotel partners, it's the card that started the travel rewards revolution.