Preferred vs Reserve: How the Chase Sapphire credit cards stack up


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  • The Chase Sapphire Preferred and the Chase Sapphire Reserve are both fantastic credit cards, with valuable rewards and useful benefits.
  • While the Sapphire Reserve offers additional perks, it has a higher annual fee — $450 — versus the Sapphire Preferred’s $95 annual fee (which is waived the first year).
  • Both cards also offer a generous sign-up bonus of 50,000 points when you spend $4,000 on purchases within the first three months.
  • Read on for the questions you should ask yourself if you’re trying to decide between the two cards.

The Chase Sapphire Preferred has been one of the most popular credit cards among rewards experts and travelers alike for years, and it’s easy to see why. On top of the 2x points earned on all dining and travel purchases, the card also comes with class-leading benefits, including primary collision damage waiver/theft insurance for rental cars, trip delay and baggage delay coverage, robust purchase protections, and fantastic customer service. 

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