$95/yrChase Ultimate RewardsNo foreign feeVisaUsually needs 670+
View issuer offerComparison brief
Chase Sapphire Preferred vs. Sapphire Reserve
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This page sets the Sapphire Preferred and Sapphire Reserve side by side from the card catalog: annual fees, earn rates by category, credits and portal rates. The fee gap is $700 a year ($95 against $795); after the credits we count as reliable it is about $400 ($65 against $465). For which card fits your spending, the break-even in direct and Chase Travel spending, and what our solver chose for 252 synthetic households, read the written analysis.
2/4 selected
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Overview
$795/yrChase Ultimate RewardsNo foreign feeVisaUsually needs 750+
View issuer offerSome links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Dining
- Chase Sapphire Preferred
- 3x
- Chase Sapphire Reserve
- 3x
EV Charging
- Chase Sapphire Preferred
- 3xHighest
- Chase Sapphire Reserve
- 1x
Flights outside issuer portals
- Chase Sapphire Preferred
- 2x
- Chase Sapphire Reserve
- 4xHighest
Gas stations (excluding Costco Gas)
- Chase Sapphire Preferred
- 3xHighest
- Chase Sapphire Reserve
- 1x
Groceries — online
- Chase Sapphire Preferred
- 3xHighest
- Chase Sapphire Reserve
- 1x
Hotels outside issuer portals
- Chase Sapphire Preferred
- 2x
- Chase Sapphire Reserve
- 4xHighest
Other travel outside issuer portals
- Chase Sapphire Preferred
- 2xHighest
- Chase Sapphire Reserve
- 1x
Streaming
- Chase Sapphire Preferred
- 3xHighest
- Chase Sapphire Reserve
- 1x
Transit
- Chase Sapphire Preferred
- 2xHighest
- Chase Sapphire Reserve
- 1x
Travel - Car Rentals / Agencies / Cruises
- Chase Sapphire Preferred
- 2xHighest
- Chase Sapphire Reserve
- 1x
Travel - Vacation Homes
- Chase Sapphire Preferred
- 3xHighest
- Chase Sapphire Reserve
- 1x
Everything else
- Chase Sapphire Preferred
- 1x
- Chase Sapphire Reserve
- 1x
| Category | Chase Sapphire Preferred | Chase Sapphire Reserve |
|---|---|---|
| Dining | 3x | 3x |
| EV Charging | 3xHighest | 1x |
| Flights outside issuer portals | 2x | 4xHighest |
| Gas stations (excluding Costco Gas) | 3xHighest | 1x |
| Groceries — online | 3xHighest | 1x |
| Hotels outside issuer portals | 2x | 4xHighest |
| Other travel outside issuer portals | 2xHighest | 1x |
| Streaming | 3xHighest | 1x |
| Transit | 2xHighest | 1x |
| Travel - Car Rentals / Agencies / Cruises | 2xHighest | 1x |
| Travel - Vacation Homes | 3xHighest | 1x |
| Everything else | 1x | 1x |
Issuer travel portals 8 categories — only earned when you book through that issuer’s portal
Amex Travel - Car Rentals / Cruises
- Chase Sapphire Preferred
- 2xHighest
- Chase Sapphire Reserve
- 1x
Amex Travel - Flights
- Chase Sapphire Preferred
- 2xHighest
- Chase Sapphire Reserve
- 1x
Amex Travel - Hotels
- Chase Sapphire Preferred
- 2xHighest
- Chase Sapphire Reserve
- 1x
Bilt Travel - Flights
- Chase Sapphire Preferred
- 2xHighest
- Chase Sapphire Reserve
- 1x
Bilt Travel - Hotels
- Chase Sapphire Preferred
- 2xHighest
- Chase Sapphire Reserve
- 1x
Chase Travel - Flights
- Chase Sapphire Preferred
- 5x
- Chase Sapphire Reserve
- 8xHighest
Chase Travel - Hotels
- Chase Sapphire Preferred
- 5x
- Chase Sapphire Reserve
- 8xHighest
Chase Travel - Rental Cars / Activities
- Chase Sapphire Preferred
- 5x
- Chase Sapphire Reserve
- 8xHighest
| Category | Chase Sapphire Preferred | Chase Sapphire Reserve |
|---|---|---|
| Amex Travel - Car Rentals / Cruises | 2xHighest | 1x |
| Amex Travel - Flights | 2xHighest | 1x |
| Amex Travel - Hotels | 2xHighest | 1x |
| Bilt Travel - Flights | 2xHighest | 1x |
| Bilt Travel - Hotels | 2xHighest | 1x |
| Chase Travel - Flights | 5x | 8xHighest |
| Chase Travel - Hotels | 5x | 8xHighest |
| Chase Travel - Rental Cars / Activities | 5x | 8xHighest |
Highest marks the highest listed rate, on each card that ties for it; a row where every card ties is not marked. Muted figures are base rates. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Annual Hotel Credit
- Chase Sapphire Preferred
- $0/yr estimated usableUp to $100/yrConditional
- Chase Sapphire Reserve
- —
Global Entry / TSA PreCheck / NEXUS
- Chase Sapphire Preferred
- $30/yr estimated usableEasy to use
- Chase Sapphire Reserve
- —
Apple TV Benefit
- Chase Sapphire Preferred
- $0/yr estimated usableUp to $156/yrConditional
- Chase Sapphire Reserve
- —
DoorDash DashPass
- Chase Sapphire Preferred
- $0/yr estimated usableUp to $120/yrConditional
- Chase Sapphire Reserve
- —
Travel Credit
- Chase Sapphire Preferred
- —
- Chase Sapphire Reserve
- $300/yr estimated usableEasy to use
Global Entry / TSA PreCheck
- Chase Sapphire Preferred
- —
- Chase Sapphire Reserve
- $30/yr estimated usableEasy to use
DoorDash DashPass
- Chase Sapphire Preferred
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $420/yrConditional
The Edit Hotel Credit
- Chase Sapphire Preferred
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $500/yrConditional
Exclusive Tables Dining Credit
- Chase Sapphire Preferred
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $300/yrConditional
StubHub Credit
- Chase Sapphire Preferred
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $300/yrConditional
Lyft Credit
- Chase Sapphire Preferred
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $120/yrConditional
Apple TV & Apple Music
- Chase Sapphire Preferred
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $324/yrConditional
Peloton Membership Credit
- Chase Sapphire Preferred
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $120/yrConditional
Estimated usable credit value
- Chase Sapphire Preferred
- $30/yr
- Chase Sapphire Reserve
- $330/yr
Maximum face value
- Chase Sapphire Preferred
- $406/yr
- Chase Sapphire Reserve
- $2,414/yr
| Credit | Chase Sapphire Preferred | Chase Sapphire Reserve |
|---|---|---|
| Annual Hotel Credit | $0/yr estimated usable Up to $100/yr Conditional | — |
| Global Entry / TSA PreCheck / NEXUS | $30/yr estimated usable Easy to use | — |
| Apple TV Benefit | $0/yr estimated usable Up to $156/yr Conditional | — |
| DoorDash DashPass | $0/yr estimated usable Up to $120/yr Conditional | — |
| Travel Credit | — | $300/yr estimated usable Easy to use |
| Global Entry / TSA PreCheck | — | $30/yr estimated usable Easy to use |
| DoorDash DashPass | — | $0/yr estimated usable Up to $420/yr Conditional |
| The Edit Hotel Credit | — | $0/yr estimated usable Up to $500/yr Conditional |
| Exclusive Tables Dining Credit | — | $0/yr estimated usable Up to $300/yr Conditional |
| StubHub Credit | — | $0/yr estimated usable Up to $300/yr Conditional |
| Lyft Credit | — | $0/yr estimated usable Up to $120/yr Conditional |
| Apple TV & Apple Music | — | $0/yr estimated usable Up to $324/yr Conditional |
| Peloton Membership Credit | — | $0/yr estimated usable Up to $120/yr Conditional |
| Estimated usable credit value | $30/yr | $330/yr |
| Maximum face value | $406/yr | $2,414/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
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