Crunching the numbers: The Chase Sapphire Preferred and the Chase Sapphire Reserve both require new cardholders to spend $4,000 within three months to earn their bonuses. When it comes to choosing between the Chase Sapphire Reserve vs Preferred, the good news is that they are both great credit cards. If you’ll be spending at least $300 on travel in a year anyway, it could be worth paying more for the Reserve. Chase Sapphire Reserve vs. Opinions expressed here are entirely those of the AFAR editorial team. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Other benefits: This card is an excellent option to use when traveling internationally since it waives foreign transaction fees. Either $5 or 5% of the amount of each transfer, whichever is greater. If you’re eligible, you’ll be reimbursed up to the actual cash value of most rental vehicles. The Chase Sapphire Reserve allows you to redeem each point at 1.5 cents each, compared to 1.25 cents each with the Preferred. Focusing on travel, though, cardholders can also transfer points at a ratio of 1:1 to 10 airline frequent-flier and three hotel points programs, including United, Southwest, JetBlue, British Airways, Air France/KLM, Marriott, and Hyatt. For its part, the Chase Sapphire Reserve is one of the best premium travel credit cards ever created thanks to valuable perks like annual travel statement credits and access to airport lounges. The more you plan to spend in those bonus categories, the bigger the difference in rewards. Aside from sharing similar names, the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® are two of the most popular travel rewards credit cards on the market. These Countries Just Made It Easier for Americans to Move and Work Abroad. In addition to a higher earning rate, the Reserve also comes with a higher redemption rate when you book travel through the Chase Ultimate Rewards portal. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). While both cards can access the Ultimate Rewards portal and can be used in any one of the above categories, the Reserve offers more redemption power when used for travel. By comparison, the Reserve is offering 50,000 points after you hit $4,000 in spend within the first three months, which is worth only $1,000. *Bonus value is an estimated value calculated by TPG and not the card issuer. You’ll get a $300 travel credit each year with the Reserve, a $100 credit for the TSA PreCheck or Global Entry application fee every four years and a Priority Pass Select membership that gives you entry into airport lounges around the world. AFAR participates in affiliate marketing programs, which means we may earn a commission if you purchase an item featured on our site. To its credit, the American Express® Gold Card has a $100 airline fee credit, but it's only applicable toward airline incidentals. It offers a 25% boost to point value and some pretty good travel and purchase coverage. See, a $100 credit for the TSA PreCheck or Global Entry application fee, The best credit cards for everyday spending, The best credit cards for travel insurance, Limited time: 100% bonus when you buy Hilton points, Pre-departure testing and self-isolation for arrivals: Everything you need to know about traveling to the UK. The Chase Sapphire Preferred has a $95 annual fee and the foremost choice of most travelers. To look at it another way, though, points earned with the Preferred are only worth 1.25 cents each for travel booked through Chase, or 1.5 cents with the Reserve. The Chase Sapphire Reserve has a higher earning rate than the Chase Sapphire Preferred. I will show you how to get your 1st $550 annual fee waived in my Ultimate Military Credit Cards course The Amex Gold card is annual fee waived for military. Chase introduced this powerhouse way back in 2009—a lifetime ago in terms of travel rewards cards. On its own, this may not be a reason to choose the Reserve over the Preferred, but when combined with the other additional benefits the Reserve offers, it could be a deciding factor. Chase recently introduced a new “Pay Yourself Back” feature through its portal where cardmembers can redeem their points in a variety of other categories at the same rate. If you decide that you would get more value with the Reserve card’s features, you can always request an upgrade later down the line. It’s also worth comparing the coverage offered by these two cards for things like travel delays, trip cancellation and purchase protection. That being said, you won’t have to cancel your Chase Sapphire Preferred credit card in order to get your hands on the Reserve. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Our coverage is independent and objective, and has not been reviewed, approved, or endorsed by any of these entities. If you’re looking at applying for one or the other right now, it’s important to consider the Chase Sapphire Preferred‘s elevated sign-up bonus. Military Money Manual … If you earn more that 67,400 points a year, you’d be better off keeping a Reserve vs the Preferred ( $1011 in value vs $842.50 ) Overall: I downgraded my Reserve to a Preferred and I’m keeping it that way. Both offer nearly identical trip cancellation and interruption insurance, primary auto rental coverage, and lost luggage reimbursement if your bags go missing. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Terms apply to the offers listed on this page. Although they offer some identical benefits, there are a few differences: The Chase Sapphire Reserve is obviously the more premium of the two cards. The Chase Sapphire Reserve is a premium travel card so it is stacked with benefits including annual credits, a 50% boost to point value, superb coverage when it comes to travel and general purchases. Sapphire Preferred is $0.0125 per point while the Reserve is worth $0.015 per point. Please view our advertising policy page for more information. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Finally, they are also eligible for either a Global Entry or TSA PreCheck application fee statement credit, up to $100 once every four years. Higher fee, better perks: The Chase Sapphire Preferred doesn’t boast much in the way of value-added benefits apart from its new DoorDash DashPass perks, which the Reserve also offers. You can always request an upgrade later on if you decide the Reserve will better serve your travel needs. Points earned: In contrast with the Preferred, the Reserve racks up three points per dollar on travel and dining, and 10 points per dollar on Lyft rides. Preferred: Interest Rates But if you are regularly booking airfare through the portal, it’s worth having the Reserve for the higher redemption rate. The two cards do, however, differ when it comes to redeeming points through the Chase Ultimate Rewards travel portal. With the Sapphire Reserve you earn 3X points on dining and travel (immediately after earning your $300 travel credit), while the Sapphire Preferred gives you 2X points in those categories. Many credit cards now offer Global Entry or TSA PreCheck fee statement credits, including the Capital One Venture Rewards Card, which is offering a historically high bonus of its own, at 100,000 miles (50,000 after spending $3,000 in 3 months, and another 50,000 after spending $20,000 within 12 months). There are various reasons to consider an authorized user. A final reason to consider the Sapphire Preferred Card over the Sapphire Reserve Card is that it could be easier to be approved for the Preferred. But the cards bear other differences that are worth considering. (It’s unlikely you’d need more reimbursement from either card, since most rental cars are worth far less.) TheChase Sapphire Preferred recently offered its highest-ever sign-up bonus. Blue Cash Preferred® Card from American Express, 60,000 points after you spend $4,000 on purchases in the first three months, 50,000 points after you spend $4,000 on purchases in the first three months, Primary; “expensive and exotic cars” are excluded, Primary; provides reimbursement up to $75,000 for theft and collision, Up to $50 per incident, up to four times a year, Up to $500 per ticket for delays of 12 or more hours (or requiring an overnight stay), Up to $500 per ticket for delays of 6 or more hours (or requiring an overnight stay), Up to $3,000 per person (up to $500 per person for jewelry, watches, cameras, video recorders and other electronic equipment), $500,000 for common carrier loss of life benefit; $100,000 for 24-hour loss of life benefit, $1,000,000 for common carrier loss of life benefit; $100,000 for 24-hour loss of life benefit, Up to $500 per claim and up to $50,000 per year, Up to $10,000 per claim and up to $50,000 per year, Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Redemption values: Points earned with the Chase Sapphire Reserve transfer to the Ultimate Rewards program’s partners the same way they do with the Preferred. This site does not include all credit card companies or all available credit card offers. I would like to subscribe to The Points Guy newsletters and special email promotions. It was the first to earn Ultimate Rewards points that were transferable to a number of different airline and hotel loyalty programs, but offered some other outsized benefits as well. With the Preferred, there’s no cost to add additional users. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. © 2021 THE POINTS GUY, LLC. Editor’s note: This is a recurring post that is regularly updated with new card information and details. So the … The Prerferred also offers purchase protection against damage or theft of up to $500 per claim and $50,00 per account, while the Reserve will cover you up to $10,000 per claim and $50,000 per year. This makes using your card on your trips even easier since you have one less thing to think about. While some of these perks can’t be used right now, if you take advantage of these perks later on in 2020 and into 2021, you’ll more than offset the cost of the Sapphire Reserve’s $550 annual fee each year. So the Preferred’s bonus is worth $1,000 this way, and the Reserve’s bonus is worth $750. The Chase Sapphire Reserve definitely has the edge in terms of perks—annual travel statement credits and lounge access can all add up. If that fee doesn’t seem manageable, the Sapphire Preferred Card is a very worthwhile alternative. Here's why the Chase Sapphire Preferred might be a better choice than the more premium Chase Sapphire Reserve. Now through April 30, 2021, those merchants include grocery stores, dining (including delivery and takeout), home improvement stores, and a dozen eligible charities. Those who spend a lot on Lyft, travel and dining will find the added points per dollar on those purchases rewarding. Chase Sapphire Reserve vs. Chase Sapphire Preferred for Active Duty Military 2021. The Sapphire Reserve has more bells and whistles and a higher annual fee while the Preferred is more affordable and has great value. That would bring your Reserve earnings up to 78,000 points annually ($1,560 in value) versus 51,000 points with the Preferred ($1,020). Check out our guide on maximizing Chase’s transfer partners. I still think the Chase Sapphire Preferred is one of the single best overall cards on the market. The Reserve offers a sign-up bonus offer of 50,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first three months of card membership. The Chase Sapphire Preferred Card has long been a TPG favorite. As an ultra-premium card, the Reserve requires a top-notch credit score. That’s a clear-cut advantage for the Preferred if you intend to transfer your points to one of Chase’s partner airlines or hotel programs. Bank of America Premium Rewards vs. Chase Sapphire Preferred. Related reading: The best credit cards for everyday spending. Read our comparison chart below. Christine Krzyszton - UPDATED: January 5, 2021. Credit Cards / Strategies & Guides. You could be looking to help someone build up his or her credit history; you might want to provide employees with cards for a business account or maybe you’re looking to earn bonus rewards for adding additional users. If you’re delayed and need to spend on meals, lodging, or other necessities, the Reserve’s coverage kicks in at 6 hours instead of 12 for the Preferred, and the same for if your bag is delayed and you need to buy replacement clothes or toiletries. Sign-up bonus: Earn 50,000 Ultimate Rewards points after spending $4,000 on purchases in the first three months. Comparing it to the Chase Sapphire Reserve feels a little unfair, though, because they’re not really in the same league. ALL RIGHTS RESERVED. The Sapphire Reserve has higher per-claim thresholds than the Sapphire Preferred when it comes to purchase protection and … It’s worth hundreds of dollars more without the Reserve’s $550 annual fee. Global Entry/TSA PreCheck application fee credit (up to $100), $60 annual DoorDash credit (through Dec. 31, 2021), Related reading: TPG’s reviews of the Chase Sapphire Preferred and Chase Sapphire Reserve. The first advantage of the Sapphire Preferred is the most obvious: a significantly lower annual fee. How does it compare to Chase Sapphire Reserve, a travel, airline, points and restaurant credit card? No matter which one you choose, you will be making a great choice. Please view our advertising policy page for more information. The Sapphire Reserve costs $550 per year while the Preferred costs only $95. This site does not include all credit card companies or all available credit card offers. The Chase Sapphire Reserve and the Chase Sapphire Preferred Card are two of the most talked-about travel credit cards, thanks to the valuable Ultimate Rewards program, top-notch benefits and valuable travel protections. It comes with a generous signup bonus and offers big bonus rewards for both travel and dining purchases. Cardholders will also get a free one-year Lyft Pink membership, which includes a 15% discount on all rides and free bike and scooter rentals each month. Chase’s airline partners give you access to all three of the top alliances (Oneworld, Star Alliance and SkyTeam), so you’ll have a strong variety of options for putting your points to use. AFAR partners with CreditCards.com and may receive a commission from card issuers. Here’s a quick comparison of the two cards. Now through March 2022, cardholders can also register to earn five points per dollar on Lyft rides. If you’re a frequent traveler, the Reserve will likely give you more long-term value. Read our comparison chart below. The sign-up bonus for the Chase Sapphire Preferred® Card is the ability to earn 60,000 points after spending $4,000 in the first 3 months of account opening. It also offers some of the best travel protections available with any credit card, including primary rental car insurance so you don’t have to pay for the agency’s expensive policy or go through your own insurance if you hit bumps in the road, and trip cancellation and interruption insurance that can cover nonrefundable expenses up to $10,000 per person or $20,000 per trip. For example, 60,000 points are worth $750 toward travel. January 1, 2021 March 24, 2020 by Spencer. Here are the main factors you need to consider. To look at it another way, though, points earned with the Preferred are only worth 1.25 cents each for travel booked through Chase, or 1.5 cents with the Reserve. Figuring out whether to get the Chase Sapphire Preferred or Chase Sapphire Reserve usually comes down to which card’s annual fee is more within your budget, and whether you’ll get enough value from the Reserve’s extra benefits to justify paying for it year after year. With the Reserve card, on the other hand, it costs $75 per year for each authorized user (most likely because each gets his or her own Priority Pass Select membership for airport lounge access). Want more credit card news and advice from TPG? TPG credit card reader question: When does Southwest Air calculate companion pass points? The Chase Sapphire Reserve ® is Chase's premier premium travel rewards card. First things first: You can’t apply for a Chase Sapphire credit card if you already hold any Sapphire card – whether that’s the Preferred, the Reserve or even the now discontinued basic Sapphire card. Sign-up bonus: Earn 80,000 Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening. And there’s more: Sapphire Reserve cardholders get one free year of Lyft Pink, which provides 15% off rides, priority airport dispatch, relaxed cancellation fees, and more. With more cards cutting trip insurance, premium coverage is harder to come by. A $600 plane ticket will cost you 48,000 points with the Preferred but only 40,000 points with the Reserve. Keep in mind, though, that you won’t earn 3x on travel until you have used up your $300 travel credit. The fact that the Chase Sapphire Preferred’s current sign-up bonus is 30,000 points higher than that of the Chase Sapphire Reserve throws off the usual calculus, though. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. That's worth $750 when you redeem for travel on Ultimate Rewards. Chase Sapphire Preferred vs Reserve. Chase Sapphire Reserve Card vs. Amex Gold Card [Detailed Comparison] BY . TPG values Ultimate Rewards points at 2 cents each, meaning this bonus is worth up to $1,200. Preferred vs Reserve: How the Chase Sapphire credit cards stack up David Slotnick. For example, if you know you’ll spend $50 per month on Lyft and $1,000 a month on travel and dining, here’s what your yearly earnings would look like with each card: You can see that there is potentially a huge difference in earnings over the course of a year. That’s a clear-cut advantage for the Preferred if you intend to transfer your points to one of Chase’s partner airlines or hotel programs. However, the Reserve comes with an additional $300 in annual travel statement credits, which can be put toward flights and hotel stays, plus things like taxi rides and even parking meters. Its luxury sibling, the Chase Sapphire Reserve has a $450 annual fee, but it also provides more rewards and bonuses. The Reserve also offers statement credits worth up to $100 toward either a Global Entry or TSA PreCheck application once every four years. This is 20,000 more points than the card usually offers. Chase Sapphire Preferred vs. Chase Sapphire Reserve. If you’re looking for a solid travel credit card with comprehensive protections and a decent rate of return on spending, though, the Chase Sapphire Preferred might be the card for you. If you’re looking for premium perks, the Reserve is the way to go. Both cards come with no foreign transaction fees. That’s still a big difference, but there’s more to think about. When you further consider that Reserve points are worth up to 20% more than Preferred points and it also offers up to $300 annual travel credit, it’s clear that Reserve is the winner of this category. Through December 31, 2020, this can also be put toward groceries and gas. 03/04/2019 Tell your friends. CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners. Chase Sapphire Reserve vs. As part of a new partnership with food delivery service DoorDash, cardholders receive a $60 annual DoorDash credit to use on food delivery each year in 2020 and 2021 and a one-year complimentary subscription to DashPass (which waives the delivery fee at eligible restaurants and discounts service fees on orders of more than $12). Plus, the card just added new benefits. In fact, I’ve held off on upgrading my own Chase Sapphire Preferred to the Chase Sapphire Reserve this year in light of the coronavirus pandemic and my limited travel spending in 2020. It earns one point per dollar everywhere else. While the offers mentioned above are accurate at the time of publication, they are subject to change at any time, and may have changed or may no longer be available. In addition, you can transfer your rewards to airline miles or hotel points. Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. They both rack up valuable Chase Ultimate Rewards points, which can be redeemed directly toward travel bookings made through Chase, as well as transferred to more than a dozen airline and hotel partner loyalty programs. When considering any travel rewards credit card, though, it pays to look past the initial bonus to how you might be able to maximize a card’s perks over the course of several years. With the Preferred, you’ll get 1.25 cents in value per point, while with the Reserve you’ll get a higher value of 1.5 cents per point. Both the Preferred and the Reserve offer a great selection of travel insurance benefits but you get better coverage with the Reserve — almost double the coverage amount on some benefits like travel accident insurance and purchase protection. The Preferred card offers a sign-up bonus offer of 60,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first three months of card membership. View our latest valuations here. This post contains references to products from one or more of our advertisers. Redemption Winner: The edge goes to Sapphire Reserve. Long before Chase introduced the Sapphire Reserve, award travelers sang the praises of the Sapphire Preferred card’s auto collision damage waiver (CDW) benefit. SIMILARITIES OF CHASE SAPPHIRE RESERVE VS PREFERRED. Through Sept. 30, this 50% redemption bonus also extends to grocery stores, home improvement stores and dining establishment purchases that can be erased through Chase’s new Pay Yourself Back feature. The Chase Sapphire Preferred is a step down from the Chase Sapphire Reserve. With the Chase Sapphire Reserve, the terms and conditions actually cap reimbursement at $75,000. You’ll get three times the points for travel and dining in restaurants, compared to two times the points with the Preferred. Its significantly higher sign-up bonus is a huge factor in its favor, and you can always upgrade to the Reserve later if you decide you’d rather take advantage of its perks and its higher direct-redemption rate for travel expenses. For most, the choice between these two particular cards usually comes down to their annual fees—the Chase Sapphire Reserve charges $550 per year while the Chase Sapphire Preferred requires a relatively modest $95. Right now, you’ll earn 60,000 points after you spend $4,000 in the first three months. Chase Sapphire Reserve cardholders can register for DoorDash DashPass with the same benefits as Preferred members. Even though TPG values all Ultimate Rewards (no matter which card earns them) at 2 cents each, the Reserve provides $300 more in annual rewards value in the above example. 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