Chase Sapphire Reserve® vs Chase Sapphire Preferred® Card

Chase is a CreditDonkey partner. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. How does it compare to Chase Sapphire Preferred, a travel, airline, points and restaurant card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Reserve has a $550 annual fee, while the Chase Sapphire Preferred has a $95 annual fee.

	Chase Sapphire Reserve®	Chase Sapphire Preferred® Card
	Credit Card Summary
	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel. Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027. 1:1 point transfer to leading airline and hotel loyalty programs Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck® Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Member FDIC See Current Offer	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel. Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027. Member FDIC See Current Offer
	Credit Card Interest Rates & Fees
Purchase APR	21.99% to 28.99% Variable based on your creditworthiness and other factors	20.99% to 27.99% Variable based on your creditworthiness and other factors
Balance Transfers APR	21.99% to 28.99% Variable based on your creditworthiness and other factors	20.99% to 27.99% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	$0	$0
Annual Fee	$550 annual fee	$95 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Offer	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Travel Rewards	Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 1:1 point transfer to leading airline and hotel loyalty programs	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Airline Rewards	1:1 point transfer to leading airline and hotel loyalty programs	1:1 point transfer to leading airline and hotel loyalty programs
Bonus Hotel Rewards		$50 Annual Chase Travel Hotel Credit
Hotel Rewards	1:1 point transfer to leading airline and hotel loyalty programs	1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards	Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Airline Status	$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select
Dining Rewards	3x points on dining at restaurants	3X points on dining
Airline Transfer Partners	Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.	Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
	Go to issuer's official application, terms, and details	Go to issuer's official application, terms, and details
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: Bonus points Annual travel credit Elite travel benefits Cons: $550 annual fee No introductory annual fee No intro APR	Pros: Generous bonus points Flexible travel rewards Travel, purchase and security protection $0 Foreign Transaction Fee Cons: $95 annual fee No intro APR
Bottom Line	Ultra premium credit card for luxury travelers... Read full review	High-earning rewards card for those with excellent credit... Read full review
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase.

Which is Better: Chase Sapphire Reserve or Chase Sapphire Preferred?

Still need help deciding which travel credit card is better? Read the in-depth reviews below. You may also be interested in comparing Chase Sapphire Reserve or Capital One Venture.

Articles on Chase Sapphire Reserve®

Chase Sapphire Reserve Review

With excellent rewards and premium travel benefits, the Chase Sapphire Reserve® is meant for frequent travelers. Read on to decide if the $550 annual fee is worth it for you.

• Chase Sapphire Reserve vs American Express Platinum
• Chase Sapphire Reserve vs American Express Gold
• Chase Sapphire Reserve vs Capital One Venture

Chase Sapphire Reserve Credit Score

You usually need an excellent credit score for Chase Sapphire Reserve® (720+). But this is not the only factor. Here's how to improve your approval odds.

• Chase Sapphire Reserve vs Bank of America Travel Rewards
• Chase Sapphire Reserve vs Citi Double Cash
• Chase Sapphire Reserve vs Ink Business Preferred

Chase Sapphire Reserve Lounge Access

Airport lounge access is one of the best benefit of Chase Sapphire Reserve®. Learn how to maximize this perk including what lounges you can enter, how to use it, and the guest policy.

• Chase Sapphire Reserve vs Southwest Credit Card
• Chase Sapphire Reserve vs Bank of America Cash Rewards
• Chase Sapphire Reserve vs Discover It

Chase Sapphire Reserve Credit Limit

Many Chase Sapphire Reserve® users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.

Chase Sapphire Reserve Priority Pass

Priority Pass membership is one of Chase Sapphire Reserve® best benefits. Here is everything you need to know to sign up, activate and use it.

Articles on Chase Sapphire Preferred® Card

Is Chase Sapphire Preferred Worth It

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.

• Chase Sapphire Preferred vs Blue Cash Preferred
• Chase Sapphire Preferred vs Capital One Quicksilver
• Chase Sapphire Preferred vs Citi AAdvantage

Credit Score Needed for Chase Sapphire

Chase Sapphire Preferred® usually requires an excellent credit score (720+). But this is not the only deciding factor. Find out how to improve your odds.

• Chase Sapphire Preferred vs Delta SkyMiles Gold
• Chase Sapphire Preferred vs Chase Freedom Unlimited
• Chase Sapphire Preferred vs Discover it Miles

Chase Sapphire Preferred Credit Score Needed

Chase Sapphire Preferred® usually requires great credit, which means 720 or more. However, many users can be approved with a lower score. Find out the credit requirements needed.

• Chase Sapphire Preferred vs Discover Student It Card
• Chase Sapphire Preferred vs Ink Business Cash

Chase Sapphire Preferred Rental Car Insurance

Chase Sapphire Preferred® offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.

Chase Sapphire Preferred Credit Limit

Many Chase Sapphire Preferred® users receive a credit limit of $5,000 - $20,000. Find out how Chase determines your credit limit and how to get an increase.

Compare Chase Sapphire Reserve to:

The Platinum Card® from American Express Terms Apply | Read Review | See Rates & Fees Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR N/A N/A See Pay Over Time APR See Rates & Fees Annual Fee $695

American Express® Gold Card Terms Apply | Read Review | See Rates & Fees Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR N/A N/A See Pay Over Time APR See Rates & Fees Annual Fee $325

Ink Business Preferred® Credit Card Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR N/A N/A 20.74% - 26.74% Variable Annual Fee $95

You might also be interested in

Related: Travel Rewards Credit Cards

Discount Travel Sites

Save money on your next vacation. These top travel websites offer deep discounts and worthwhile deals on airfare, hotel rooms, and car rentals.

Compare Chase Sapphire Preferred to:

Blue Cash Preferred® Card from American Express Terms Apply | Read Review | See Rates & Fees Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR 0% on purchases for 12 months 0% on balance transfers for 12 months 18.49% - 29.49% Variable Annual Fee $0 intro annual fee for the first year, then $95

Delta SkyMiles® Gold American Express Card Terms Apply | Read Review | See Rates & Fees Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR N/A N/A 20.24% - 29.24% Variable Annual Fee $0 introductory annual fee for the first year, then $150

Chase Freedom Unlimited® Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR 0% for 15 months 0% for 15 months 19.99% - 28.74% Variable Annual Fee $0