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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 credit card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $0 Intro Annual Fee for the First Year, then $95, while the Chase Sapphire Reserve has a $450 annual fee.

 Chase Sapphire Preferred CardChase Sapphire Reserve
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Chase Sapphire Preferred® Card

Chase Sapphire Reserve℠

 

Credit Card Summary

 
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • Earn 50K 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 and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no 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✓®
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
 

Credit Card Interest Rates & Fees

Purchase APR17.24% to 24.24% Variable based on your creditworthiness and other factors17.24% to 24.24% Variable based on your creditworthiness and other factors
Balance Transfers APR17.24% to 24.24% Variable based on your creditworthiness and other factors17.24% to 24.24% Variable based on your creditworthiness and other factors
Foreign Transaction Fee$0$0
Annual Fee$0 Intro Annual Fee for the First Year, then $95$450 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®Introductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward airfare, hotels, car rentals and cruises when you redeem through Chase Ultimate Rewards®
Travel RewardsTravel Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
1:1 point transfer to leading airline and hotel loyalty programs
Travel Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
1:1 point transfer to leading airline and hotel loyalty programs
Airline RewardsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Hotel RewardsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Point RewardsPoint Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwidePoint Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Airline Status 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
Dining RewardsDining Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwideDining Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.Airline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.
 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:
  • $0 Intro Annual Fee for the First Year, then $95
  • No intro APR
Pros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $450 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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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: 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.

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

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


Explore Chase Sapphire Preferred® Card In-Depth


Explore Chase Sapphire Reserve℠ In-Depth

    Chase Sapphire Reserve Review

    An ultra premium travel credit card has arrived: the Chase Sapphire Reserve. Is it worth the $450 annual fee? Read this review to decide.

    Chase Sapphire Reserve Benefits

    Chase Sapphire Reserve is a premium travel credit card with a staggering $450 annual fee. Read this article to decide if the benefits are worth it.

    Chase Sapphire Reserve Credit Score

    You usually need an excellent credit score for Chase Sapphire Reserve (720+). But this is not the only approval factor. Find out how to improve your odds.

Which Do You Like and Why?

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Compare Chase Sapphire Preferred to:

Premier Rewards Gold Card

Premier Rewards Gold Card from American Express

Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas Rewards
Annual Fee
Introductory annual fee of $0 for the first year, then $195
American Express Platinum

The Platinum Card® from American Express

Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel Rewards
Annual Fee
$550
Barclaycard Arrival Plus

Barclaycard Arrival Plus® World Elite Mastercard®

Introductory Bonus Airline RewardsTravel RewardsAirline RewardsHotel Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/A
0% for 12 months (on balance transfers made within 45 days of account opening)
17.24%, 21.24% or 24.24% Variable
Annual Fee
$89 - Waived first year

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The best credit cards for international travel have no foreign transaction fees, chip technology and worldwide acceptance. Read this before you take off.

Compare Chase Sapphire Reserve to:

Starwood Preferred Guest
Introductory Bonus Hotel RewardsTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionTravel Accident Insurance$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.49% - 20.49% Variable
$0 introductory annual fee for the first year, then $95


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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.