Chase Sapphire Reserve vs Chase Sapphire Preferred

Both Chase Sapphire Reserve and Chase Sapphire Preferred reward the good life, offering points for travel and dining purchases as well as everything else but with just one point per dollar spent. Also, both cards come with generous sign-up bonuses, though Sapphire Preferred offers more points to start with. It is, naturally, the more expensive option but the heftier price tag is worth every penny, we think. Still, if you are not travelling that often, or don’t have the perfect credit score, even the Sapphire Reserve will “get the job done.” It is still considered the best travel card by many. Let’s look at the details.

The Two Cards

Head to Head Comparison

	Chase Sapphire Reserve	Chase Sapphire Preferred
Sign-up bonus	100,000 points (worth $1,500 in travel services)	50,000 points (worth $625 in travel services)
Build points	3x points on travel and dining, and 1x point on other purchases.	2x points on travel and dining, and 1x point on other purchases.
Travel credit	$300 per year	/
Lounge access	Priority Pass™ Select membership	/
Hotel benefits	Accelerated access to Club 5C status with Relais & Châteaux.	/
Global Entry / TSA PreCheck credit	Up to $100 every 4th year	/
APR	16.24% - 23.24%	16.24% - 23.24%
Foreign Transaction Fee	none	none
Annual Fee	$450	$95 (waived in the first year)
Go for it!	Apply Now at a secure website	Apply Now at a secure website

So which of the two cards works better for you?