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Blue Cash Preferred® Card from American Express vs Chase Sapphire Reserve®

Compare Rewards, Interest Rates, Fees, and Benefits

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Blue Cash Preferred is an excellent cash back credit card for families. How does it compare to Chase Sapphire Reserve, a travel, airline, points and restaurant credit card? Read our comparison chart below.

 Blue Cash Preferred Card from American ExpressChase Sapphire Reserve
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Blue Cash Preferred® Card from American Express

Chase Sapphire Reserve®

 

Credit Card Summary

 
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Low intro APR: 0% for 12 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR on purchases for 12 monthsN/A
Introductory APR for Balance Transfers0% introductory APR on balance transfers for 12 monthsN/A
Purchase APR12.99% to 23.99% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Balance Transfers APR12.99% to 23.99% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.$0
Annual Fee$95 annual fee$550 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackEarn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. 
Introductory Bonus Offer Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Cash Back Rewards6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
 
Travel Rewards 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
1:1 point transfer to leading airline and hotel loyalty programs
Airline Rewards 1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards 1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
Airline Status $300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
Gas Rewards3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 
Grocery Rewards6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 
Dining Rewards 3X points on dining at restaurants
Airline Transfer Partners Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, 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

 Blue Cash Preferred Card from American ExpressChase Sapphire Reserve
Pros & ConsPros:
  • 6% at U.S. supermarkets (up to $6k/year in purchases, then 1%)
  • 3% at U.S. gas stations
  • Bonus cash back promotional offer
Cons:
  • $95 annual fee
  • Not a Visa/MasterCard
Pros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $550 annual fee
  • No introductory annual fee
  • No intro APR
Bottom LineExcellent cash back credit card for families... Read full reviewUltra premium credit card for luxury travelers... Read full review
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What Others View

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: 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 any card issuer.


Articles on Blue Cash Preferred® Card from American Express


Articles on Chase Sapphire Reserve®


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Compare Blue Cash Preferred to:

Blue Cash Everyday
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsurancePurchase Protection$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 23.99% Variable
$0

Chase Sapphire Preferred
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.99% - 22.99% Variable
$95

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Compare Chase Sapphire Reserve to:

American Express Platinum
Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn Protection$0 Fraud LiabilityIdentity Theft Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/AN/A
$550

American Express Gold
Introductory Bonus OfferAirline RewardsPoint RewardsGrocery RewardsNo Pre-Set Spending LimitDining RewardsEventsCar Rental InsuranceExtended Warranty Purchase ProtectionBaggage Insurance$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/ASee Rates & Fees
$250

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About CreditDonkey®
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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.