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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
 Apply NowApply Now
 

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®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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
  • Named a 'Best Travel Credit Card for 2017' by MONEY® Magazine
  • 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✓®
 

Credit Card Interest Rates & Fees

Purchase APR17.74% to 24.74% Variable based on your creditworthiness and other factors17.74% to 24.74% Variable based on your creditworthiness and other factors
Balance Transfers APR17.74% to 24.74% Variable based on your creditworthiness and other factors17.74% to 24.74% 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 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 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 immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 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 dining at restaurants
Airline Transfer PartnersAirline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.Airline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, 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:
  • $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
 Apply NowApply Now
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 Capital One Venture.


Explore Chase Sapphire Preferred® Card In-Depth


Explore Chase Sapphire Reserve® In-Depth

    Chase Sapphire Reserve

    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 Login

    Need to contact Chase Sapphire Reserve or log into your account? We have the answers you need to manage your account and get the answers you need quickly.

    Chase Sapphire Reserve Lounge Access

    Airport lounge access is one of Chase Sapphire Reserve's best benefits. Learn how to maximize this benefit including what lounges you can enter, how to use it, and the guest policy.

    Chase Sapphire Reserve Credit Limit

    Many Chase Sapphire Reserve users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.

    Chase Sapphire Reserve Rewards

    With elite travel perks and rewards, Chase Sapphire Reserve is a top travel card. Learn how to earn tons of points and your redemption options.

    Chase Sapphire Reserve Travel Credit

    The $300 annual travel credit is one of the best Chase Sapphire Reserve benefits. Learn what purchases count as travel, how to redeem the credit, and when it resets.

    Chase Sapphire Reserve Priority Pass

    Priority Pass membership is one of Chase Sapphire Reserve's best benefits. Here is everything you need to know to sign up, activate and use it.

    Chase Sapphire Reserve Referral

    You can earn up to 50,000 bonus points per year by referring Chase Sapphire Reserve to friends. Read on to learn how it works.

    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:

Capital One Venture

Capital One® Venture® Rewards Credit Card

Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
14.74% - 24.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
American Express Gold Card

American Express® Gold Card

Introductory Bonus Reward PointsAirline RewardsPoint RewardsGrocery Rewards
Annual Fee
$250
American Express Platinum

The Platinum Card® from American Express

Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel Rewards
Annual Fee
$550

Disclaimer: The information for the Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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The best credit cards for international travel have no foreign transaction fees, chip technology and worldwide acceptance. But what's the right travel card for you?

Compare Chase Sapphire Reserve to:

Starwood Preferred Guest
Introductory Bonus Hotel RewardsBonus Airline RewardsBonus Hotel RewardsHotel RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Travel Accident Insurance$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.74% - 26.74% Variable
$0 introductory annual fee for the first year, then $95


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.

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