1. Annual Fee:
Chase Sapphire Reserve:
$450
Chase Sapphire Preferred:
$95 (waived for the first 12 months)
2. Earning rates:
Chase Sapphire Preferred:
2x points on travel and dining, 1x on everything else
Chase Sapphire Reserve:
3x points on travel and dining, 1x on everything else
3. Both cards also offer a generous sign-up bonus of 50,000 points when you spend $4,000 on purchases within the first three months.
4. The Chase Sapphire Reserve offers more rewards and benefits.
5. Point value:
Chase Sapphire Preferred Card:
1.25 cents apiece when redeemed for travel through Chase Ultimate Rewards.
Chase Sapphire Reserve:
1.5 cents apiece when redeemed for travel through Chase Ultimate Rewards.
6. Frequent travelers might get a better value with Chase Sapphire Reserve.
7. Travel Credit:
$0 Sapphire Preferred
$300 Sapphire Reserve
8. Sapphire Preferred:
25% more in travel redemption.
Sapphire Reserve:
50% more in travel redemption
Get 50% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel.
9. Chase Sapphire Preferred is a great card to start out with since you'll receive the same 50,000 point sign-up bonus and the annual fee is waived the first year.
10. Lounge access:
Sapphire Preferred:
N/A
Sapphire Reserve:
Priority Pass Select
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