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 | 75,000 points | 100,000 points |
| Bonus Value | $750 | $1,000 |
| Spend Required | $5,000 | $6,000 |
| Timeframe | 3 months | 3 months |
| Annual Fee | $95 | $795 |
| Base Rewards | 1x on other purchases | 1x on other purchases |
| Rewards Currency | Ultimate Rewards | Ultimate Rewards |
| Network | Visa | Visa |
| Credit Needed | Good | Excellent |
Chase Sapphire Preferred Perks
- +Up to $100 in Chase Travel hotel credits per account anniversary year; credited purchases do not earn points
- +Up to $120 Global Entry, TSA PreCheck or NEXUS application fee credit every four years
- +Primary rental collision/theft coverage subject to the benefit guide
- +No foreign transaction fees
Chase Sapphire Reserve Perks
- +Up to $300 in travel statement credits per account anniversary year; qualifying purchases do not earn points
- +Chase Sapphire Lounge and Priority Pass access, subject to enrollment and access terms
- +Up to $500 annually for eligible prepaid stays with The Edit; two-night minimum and up to $250 per booking
- +Up to $120 Global Entry, TSA PreCheck or NEXUS application fee credit every four years
Chase Sapphire Preferred Bonus Categories
- +5x Chase Travel purchases
- +3x dining, selected streaming and online grocery (exclusions apply)
- +3x gas stations, EV charging and vacation homes at eligible brands
- +2x other travel
Chase Sapphire Reserve Bonus Categories
- +8x Chase Travel purchases, including The Edit
- +4x flights booked directly
- +4x hotels booked directly
- +3x dining worldwide
Frequently Asked Questions
Which is better, Chase Sapphire Preferred or Chase Sapphire Reserve?
The Chase Sapphire Reserve offers a higher sign-up bonus value (100,000 points vs 75,000 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.