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Card vs Card Comparison

Chase Sapphire Preferred
vs
Chase Sapphire Reserve.

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the actual scenarios where each one wins.

Chase

Chase Sapphire Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

75K UR after $4K in 3 months

Earning highlights

  • →5× on Chase Travel
  • →3× on dining, online groceries, streaming
  • →2× on other travel

Perks highlights

  • →$50 annual hotel credit (Chase Travel)
  • →10% point bonus on cardmember anniversary
  • →Primary rental car insurance
  • →Trip cancellation + delay insurance
  • →Transfers 1:1 to all UR partners (Hyatt, United, Air Canada, etc.)
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Chase

Chase Sapphire Reserve

Annual fee

$550

Points

Ultimate Rewards

Signup bonus

60K UR after $4K in 3 months

Earning highlights

  • →3× on travel + dining (the workhorse multiplier)
  • →10× on Chase Travel hotels + car rentals
  • →5× on Chase Travel flights
  • →10× on Lyft (through 2027)

Perks highlights

  • →$300 annual travel credit (auto-applies)
  • →Priority Pass lounge access
  • →$5 DoorDash + DashPass
  • →Primary rental car coverage
  • →Trip delay + cancellation insurance
  • →1.5¢/point on Chase Travel portal
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The verdict

When each card wins.

Chase Sapphire Preferred wins if

Entry-level UR-earning card. The best $95-AF travel card on the market.

Weakness: No lounge access, no $300 travel credit. Loses to CSR for high spenders.

Chase Sapphire Reserve wins if

Travel + dining as primary spend, especially with Chase UR transfer partners (Hyatt is the standout).

Weakness: No category credits beyond $300 travel; $550 AF is real if you don't transfer to Hyatt.

At a glance

Side-by-side spec sheet.

SpecChase Sapphire PreferredChase Sapphire Reserve
Annual fee$95$550
Points currencyUltimate RewardsUltimate Rewards
Top earning rate5× on Chase Travel3× on travel + dining (the workhorse multiplier)
Signup bonus75K UR60K UR

Questions

Frequently asked.

Should I get the Chase Sapphire Preferred or the Chase Sapphire Reserve?

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Chase Sapphire Preferred wins if entry-level ur-earning card. the best $95-af travel card on the market. Chase Sapphire Reserve wins if travel + dining as primary spend, especially with chase ur transfer partners (hyatt is the standout).

Can I have both the Chase Sapphire Preferred and the Chase Sapphire Reserve?

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Yes — these are issued by different banks (Chase and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each ecosystem.

Which has the higher annual fee?

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Chase Sapphire Reserve has the higher annual fee ($550 vs $95). Whether it's worth it depends on which perks you actually use — see the verdict section above.

Are points from Chase Sapphire Preferred more valuable than points from Chase Sapphire Reserve?

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Chase Sapphire Preferred earns Ultimate Rewards; Chase Sapphire Reserve earns Ultimate Rewards. Different programs have different transfer partners and redemption ceilings — see TravelDiari's points valuation index for current cents-per-point values across both.