Chase Sapphire Preferred vs Chase Sapphire Reserve
Compare these two cards side by side to find the best fit for your spending and travel goals.
Chase Sapphire Preferred Chase | Chase Sapphire Reserve Chase | |
|---|---|---|
| Sign-Up Bonus | 70,000 points | 125,000 points |
| Bonus Value | $1,050 | $1,875 |
| Spend Required | $4,000 | $4,000 |
| Timeframe | 3 months | 3 months |
| Annual Fee | $95 | $550 |
| Base Rewards | 1x on all purchases | 1x on all purchases |
| Rewards Currency | Ultimate Rewards | Ultimate Rewards |
| Network | Visa | Visa |
| Credit Needed | Good | Excellent |
Chase Sapphire Preferred Perks
- +$50 annual hotel credit
- +Primary rental car insurance
- +Trip cancellation insurance
- +No foreign transaction fees
Chase Sapphire Reserve Perks
- +$300 annual travel credit
- +Priority Pass lounge access
- +Global Entry/TSA PreCheck credit
- +Primary rental car insurance
- +No foreign transaction fees
Chase Sapphire Preferred Bonus Categories
- +3x dining
- +3x streaming
- +2x travel
- +5x Lyft
Chase Sapphire Reserve Bonus Categories
- +3x dining
- +3x travel
- +10x hotels via portal
- +10x car rentals via portal
Frequently Asked Questions
Which is better, Chase Sapphire Preferred or Chase Sapphire Reserve?
The Chase Sapphire Reserve offers a higher sign-up bonus value (125,000 points vs 70,000 points). However, the best choice depends on your spending habits, travel preferences, and whether the annual fee is worth it for your situation.
Can I have both the Chase Sapphire Preferred and Chase Sapphire Reserve?
Both cards are issued by Chase, so you can hold both. However, check Chase's rules on sign-up bonus eligibility if you already have one of these cards.
What credit score do I need for these cards?
The Chase Sapphire Preferred typically requires good credit, while the Chase Sapphire Reserve requires excellent credit. A score of 700+ is generally recommended for premium cards.