{"id":89684,"date":"2026-05-03T16:26:11","date_gmt":"2026-05-03T16:26:11","guid":{"rendered":"https:\/\/diyhaven858.wasmer.app\/index.php\/chase-sapphire-preferred-vs-chase-sapphire-reserve\/"},"modified":"2026-05-03T16:26:11","modified_gmt":"2026-05-03T16:26:11","slug":"chase-sapphire-preferred-vs-chase-sapphire-reserve","status":"publish","type":"post","link":"https:\/\/diyhaven858.wasmer.app\/index.php\/chase-sapphire-preferred-vs-chase-sapphire-reserve\/","title":{"rendered":"Chase Sapphire Preferred vs. Chase Sapphire Reserve"},"content":{"rendered":"


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Each of Chase’s personal Sapphire cards earns valuable Chase Ultimate Rewards points<\/span>.<\/p>\n

While the mid-tier Chase Sapphire Preferred\u00ae Card<\/span> (see rates and fees<\/span>) and premium Chase Sapphire Reserve\u00ae<\/span> (see rates and fees<\/span>) are in the same family, the two cards diverge in benefits, earning rates and annual fees.<\/p>\n

The Sapphire Reserve offers many perks in exchange for a high $795 annual fee. Plus, right now, the Sapphire Reserve is offering the best bonus we’ve seen in the card’s history<\/span>: Earn 150,000 bonus points after spending $6,000 on purchases in the first three months from account opening.<\/p>\n

Meanwhile, the Sapphire Preferred is a simpler option for $95 a year.<\/p>\n

Consider your travel style and your overall points-and-miles strategy before choosing. Let’s compare.<\/p>\n

Sapphire Preferred vs. Reserve comparison<\/h2>\n
\n\n\n\n\n\n\n\n\n\n\n
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Card<\/p>\n<\/th>\n

\n

Sapphire Preferred<\/p>\n<\/th>\n

\n

Sapphire Reserve<\/p>\n<\/th>\n<\/tr>\n<\/thead>\n

\n\n

$95<\/span><\/p>\n<\/td>\n

\n

$795<\/span><\/p>\n<\/td>\n<\/tr>\n

\n\n
<\/p>\n
    \n
  • 5 points per dollar spent on all travel booked through Chase Travel\u2120, eligible Lyft rides (through Sept. 30, 2027) and eligible Peloton equipment and accessory purchases over $150 (through Dec. 31, 2027)<\/li>\n
  • 3 points per dollar spent on dining, online grocery purchases (excluding Target, Walmart and wholesale clubs) and select streaming services<\/li>\n
  • 2 points per dollar spent on all other travel<\/li>\n
  • 1 point per dollar spent on all other purchases<\/li>\n<\/ul>\n

    <\/span><\/div>\n<\/td>\n

\n
<\/p>\n
    \n
  • 10 points per dollar spent on eligible Peloton equipment and accessory purchases over $150 (through Dec. 31, 2027)<\/li>\n
  • 8 points per dollar spent on all Chase Travel purchases<\/li>\n
  • 5 points per dollar spent on Lyft rides (through Sept. 30, 2027)<\/li>\n
  • 4 points per dollar spent on flights and hotels booked directly<\/li>\n
  • 3 points per dollar spent on dining purchases worldwide<\/li>\n
  • 1 point per dollar spent on all other purchases<\/li>\n<\/ul>\n

    (Purchases that qualify for the annual $300 travel credit will not earn points.)<\/p>\n

    <\/span><\/div>\n<\/td>\n<\/tr>\n

\n\n

Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.<\/span><\/p>\n<\/td>\n

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Earn 150,000 bonus points after spending $6,000 on purchases in the first three months from account opening.<\/span><\/p>\n<\/td>\n<\/tr>\n

\n\n
<\/p>\n
    \n
  • Anniversary points boost<\/li>\n
  • Annual $50 hotel credit when you book through Chase Travel<\/li>\n
  • DoorDash DashPass subscription (activation required) and monthly DoorDash credits on non-restaurant purchases (through Dec. 31, 2027)<\/li>\n
  • Travel and purchase protections<\/li>\n<\/ul>\n

    \u00a0<\/p>\n

    <\/span><\/div>\n<\/td>\n

\n
<\/p>\n
    \n
  • Annual $300 travel credit<\/li>\n
  • Complimentary subscriptions for Apple TV and Apple Music (through June 22, 2027)<\/li>\n
  • Complimentary IHG Platinum Elite status (through Dec. 31, 2027)<\/li>\n
  • DoorDash DashPass subscription<\/li>\n
  • The Edit hotel credit<\/li>\n
  • Global Entry, TSA PreCheck or Nexus application fee credit<\/li>\n
  • Lyft in-app credits (earned monthly; through Sept. 30, 2027)<\/li>\n
  • OpenTable credit (no prepayment, payment or reservation through OpenTable required)<\/li>\n
  • Peloton membership credits (through Dec. 31, 2027)<\/li>\n
  • Spending-incentivized credits, including IHG, Hyatt and Southwest Airlines status, and credits with Southwest Airlines and The Shops at Chase<\/li>\n
  • StubHub and Viagogo credit (through Dec. 31, 2027; activation required)<\/li>\n
  • Travel and purchase protections<\/li>\n<\/ul>\n

    <\/span><\/div>\n<\/td>\n<\/tr>\n

\n\n

None<\/span><\/p>\n<\/td>\n

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<\/p>\n
    \n
  • Chase Sapphire Lounge access<\/li>\n
  • Priority Pass Select membership<\/li>\n<\/ul>\n

    <\/span><\/div>\n<\/td>\n<\/tr>\n

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$0<\/span><\/p>\n<\/td>\n

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$195 for each user<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Sapphire Preferred vs. Reserve welcome bonus<\/h2>\n

New applicants for the Sapphire Reserve<\/span> earn 150,000 bonus points after spending $6,000 on purchases in the first three months from account opening.<\/p>\n

These points are worth $3,075, according to TPG’s May 2026 valuations<\/span>. It’s the highest offer we’ve seen in the card’s history.<\/p>\n

Meanwhile, you can earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening with the Sapphire Preferred<\/span>. This is worth $1,538 when considering TPG’s valuations.<\/p>\n

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\"Card<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

You can hold both the Sapphire Reserve and Sapphire Preferred, but there are restrictions that may make some new applicants ineligible for bonus offers.<\/p>\n

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If you’ve previously earned a bonus on the Sapphire Reserve, you almost certainly won’t be eligible for a second bonus on the Sapphire Reserve. If you previously earned a bonus on a Sapphire Preferred, you almost definitely will be ineligible for a second bonus on the Sapphire Preferred.<\/p>\n

It’s important to remember Chase’s 5\/24 rule<\/span> when applying for one of the issuer’s cards.<\/p>\n

Winner<\/strong>: Sapphire Reserve. Its offer is much higher than what the Sapphire Preferred provides.<\/p>\n

Sapphire Preferred vs. Reserve benefits<\/h2>\n

The Sapphire Preferred<\/span> and Sapphire Reserve<\/span> are separated most distinctly by their benefits. Let’s break down what you can expect.<\/p>\n

With the $95 Sapphire Preferred, you’ll receive:<\/p>\n