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 card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $95 annual fee, while the Chase Sapphire Reserve has a $550 annual fee.

	Chase Sapphire Preferred® Card	Chase Sapphire Reserve®


	Credit Card Summary
	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel. Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027. Member FDIC See Current Offer	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel. 1:1 point transfer to leading airline and hotel loyalty programs Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck® Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more. Member FDIC See Current Offer
	Credit Card Interest Rates & Fees
Purchase APR	20.74% to 27.74% Variable based on your creditworthiness and other factors	21.74% to 28.74% Variable based on your creditworthiness and other factors
Balance Transfers APR	20.74% to 27.74% Variable based on your creditworthiness and other factors	21.74% to 28.74% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	$0	$0
Annual Fee	$95 annual fee	$550 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Offer	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Travel Rewards	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 1:1 point transfer to leading airline and hotel loyalty programs
Airline Rewards	1:1 point transfer to leading airline and hotel loyalty programs	1:1 point transfer to leading airline and hotel loyalty programs
Bonus Hotel Rewards	$50 Annual Chase Travel Hotel Credit
Hotel Rewards	1:1 point transfer to leading airline and hotel loyalty programs	1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Airline Status		$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select
Dining Rewards	3X points on dining	3x points on dining at restaurants
Airline Transfer Partners	Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.	Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
	Go to issuer's official application, terms, and details	Go to issuer's official application, terms, and details
	CreditDonkey® Credit Card Reviews

Pros & Cons	Pros: Generous bonus points Flexible travel rewards Travel, purchase and security protection $0 Foreign Transaction Fee Cons: $95 annual fee No intro APR	Pros: Bonus points Annual travel credit Elite travel benefits Cons: $550 annual fee No introductory annual fee No intro APR
Bottom Line	High-earning rewards card for those with excellent credit... Read full review	Ultra premium credit card for luxury travelers... Read full review

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

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

Articles on Chase Sapphire Preferred® Card

Is Chase Sapphire Preferred Worth It

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.

Credit Score Needed for Chase Sapphire

Chase Sapphire Preferred® usually requires an excellent credit score (720+). But this is not the only deciding factor. Find out how to improve your odds.

Chase Sapphire Preferred Credit Score Needed

Chase Sapphire Preferred® usually requires great credit, which means 720 or more. However, many users can be approved with a lower score. Find out the credit requirements needed.

Chase Sapphire Preferred Rental Car Insurance

Chase Sapphire Preferred® offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.

Chase Sapphire Preferred Credit Limit

Many Chase Sapphire Preferred® users receive a credit limit of $5,000 - $20,000. Find out how Chase determines your credit limit and how to get an increase.