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Chase Sapphire Preferred vs Chase Sapphire Reserve
The short answer
- The Chase Sapphire Reserve costs $700 more a year than the Chase Sapphire Preferred.
- At our point valuations the Chase Sapphire Preferred earns more on gas.
- The Chase Sapphire Reserve earns more on travel.
- The Chase Sapphire Reserve has the bigger welcome offer: about $2,000 in value vs $1,500 for the Chase Sapphire Preferred.
Side by side
| Chase Sapphire Preferred | Chase Sapphire Reserve |
|---|
| Annual fee | $95 | $795 |
| Welcome offer | 75,000 after $5,000 in 3 months (≈ $1,500) | 100,000 after $6,000 in 3 months (≈ $2,000) |
| Earns on dining | 3x (≈ 6%) | 3x (≈ 6%) |
| Earns on groceries | 1x (≈ 2%) | 1x (≈ 2%) |
| Earns on travel | 2x (≈ 4%) | 4x (≈ 8%) |
| Earns on gas | 3x (≈ 6%) | 1x (≈ 2%) |
| Earns on everything else | 1x (≈ 2%) | 1x (≈ 2%) |
| Rewards | Chase Ultimate Rewards | Chase Ultimate Rewards |
| Network | Visa | Visa |
| KritScore | 84 | 68 |
| Highlights | Full Chase transfer partners · Primary rental car insurance · Trip cancellation & delay insurance · Free DashPass (activate by 12/31/2029) · No foreign transaction fees | Priority Pass + Sapphire Lounges (+2 guests) · Full Chase transfer partners · IHG Platinum Elite status through 2027 · Points Boost: up to 2x via Chase Travel · Hyatt/IHG/Southwest status at $75k spend |
“≈ %” is the earn rate times our point valuation (cash-back cards at one cent). Bonus categories can be limited or capped, and offers change — check each issuer’s current terms.
Is the Chase Sapphire Preferred better than the Chase Sapphire Reserve?
The Chase Sapphire Reserve costs $700 more a year than the Chase Sapphire Preferred. At our point valuations the Chase Sapphire Preferred earns more on gas. The Chase Sapphire Reserve earns more on travel. The Chase Sapphire Reserve has the bigger welcome offer: about $2,000 in value vs $1,500 for the Chase Sapphire Preferred.
What is the annual fee on the Chase Sapphire Preferred and the Chase Sapphire Reserve?
The Chase Sapphire Preferred: $95 a year. The Chase Sapphire Reserve: $795 a year.
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