Chase Sapphire Preferred or Chase Sapphire Reserve?

Chase Sapphire Reserve returns $2,348 over its fee and Chase Sapphire Preferred returns $455, so the fee difference comes down to which categories you use.

Chase Sapphire PreferredChase · $95 fee · 5 credits

Chase Sapphire ReserveChase · $795 fee · 13 credits

NET VALUE+$455$550 credits

NET VALUE+$2,348$3,143 credits

CATEGORY	SAPPHIRE PREFERRED	SAPPHIRE RESERVE
🌎Travel	$100	$1,050
🍽️Food & Dining	$240	$840
🎭Entertainment & Media	$180	$624
✨Lifestyle	—	$479
🚗Transportation	—	$120
Lounge Access	—	Air Canada Lounge Access Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)
Total credits	$550	$3,143
Annual fee	$95	$795
Net value	+$455	+$2,348

CHASEChase Sapphire Preferred

FEE$95

CREDITS$550

NET+$455

Category wins0 of 5

BEST NET VALUE

CHASEChase Sapphire Reserve

FEE$795

CREDITS$3,143

NET+$2,348

Category wins5 of 5

ADDITIONAL BENEFITS

LOUNGE ACCESS

Air Canada Lounge Access

Chase Sapphire Lounge Access

Priority Pass Select (No Restaurants)

TAKE THE SAPPHIRE RESERVE IF

You use travel, food & dining, entertainment & media, or any of its 5 winning categories. Lifestyle and Transportation alone are worth $599 here and nothing on the Sapphire Preferred.

Where to use each card

SAPPHIRE PREFERRED

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SAPPHIRE RESERVE

🍽️

Chase Exclusive Tables Restaurants413 LOCATIONS

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🛫

Airport Lounges48 LOCATIONS

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Frequently asked questions

Which is better, Chase Sapphire Preferred or Chase Sapphire Reserve?

The Chase Sapphire Reserve is better with $2,348 net annual value compared to the Chase Sapphire Preferred at $455. The Chase Sapphire Reserve wins by $1,893/year.

What's the difference between Chase Sapphire Preferred and Chase Sapphire Reserve?

The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,143 in annual benefits, while Chase Sapphire Preferred has a $95 annual fee and $550 in annual benefits. The annual fee difference is $700.

Which has a lower annual fee, Chase Sapphire Preferred or Chase Sapphire Reserve?

The Chase Sapphire Preferred has a lower annual fee at $95 compared to the Chase Sapphire Reserve at $795. However, the Chase Sapphire Reserve offers $3,143 in total annual benefits.

Is the Chase Sapphire Reserve worth it compared to the Chase Sapphire Preferred?

Yes, the Chase Sapphire Reserve offers better value with $2,348 net annual value compared to $455 for the Chase Sapphire Preferred. Even though it has a higher annual fee ($795 vs $95), the Chase Sapphire Reserve provides more total benefits.

Which card is better for travel?

The Chase Sapphire Reserve is better for travel with $1,050 in annual travel benefits compared to $100 for the Chase Sapphire Preferred.

Should I get the Chase Sapphire Reserve?

If you're deciding between the Chase Sapphire Preferred and Chase Sapphire Reserve, the Chase Sapphire Reserve is the better choice with $2,348 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.