Skip to content
Credit Card Coups
COMPARE/SAPPHIRE PREFERRED VS SAPPHIRE RESERVE FOR BUSINESS
FIRST CARD
SECOND CARD

Chase Sapphire Preferred or Chase Sapphire Reserve for Business?

Chase Sapphire Reserve for Business returns $1,155 over its fee and Chase Sapphire Preferred returns $455, so the fee difference comes down to which categories you use.

Chase Sapphire Preferred
Chase Sapphire PreferredChase · $95 fee · 5 credits
Chase Sapphire Reserve for Business
Chase Sapphire Reserve for BusinessChase · $795 fee · 8 credits
NET VALUE+$455$550 credits
NET VALUE+$1,155$1,950 credits
Chase Sapphire Preferred
CHASEChase Sapphire Preferred
FEE$95
CREDITS$550
NET+$455
Category wins1 of 6
BEST NET VALUE
Chase Sapphire Reserve for Business
CHASEChase Sapphire Reserve for Business
FEE$795
CREDITS$1,950
NET+$1,155
Category wins5 of 6
ADDITIONAL BENEFITS
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
TAKE THE SAPPHIRE PREFERRED IF

You use entertainment & media. Entertainment & Media alone is worth $180 here and nothing on the Sapphire Reserve for Business.

TAKE THE SAPPHIRE RESERVE FOR BUSINESS IF

You use travel, business, food & dining, or any of its 5 winning categories. Business and Transportation and Lifestyle alone are worth $820 here and nothing on the Sapphire Preferred.

Where to use each card

SAPPHIRE PREFERRED

No partner maps yet

SAPPHIRE RESERVE FOR BUSINESS
🛫
Airport Lounges48 LOCATIONS
Browse →
Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
Start tracking free

Frequently asked questions

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

The Chase Sapphire Reserve for Business is better with $1,155 net annual value compared to the Chase Sapphire Preferred at $455. The Chase Sapphire Reserve for Business wins by $700/year.

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

The key differences: Chase Sapphire Reserve for Business has a $795 annual fee and $1,950 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 for Business?

The Chase Sapphire Preferred has a lower annual fee at $95 compared to the Chase Sapphire Reserve for Business at $795. However, the Chase Sapphire Reserve for Business offers $1,950 in total annual benefits.

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

Yes, the Chase Sapphire Reserve for Business offers better value with $1,155 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 for Business provides more total benefits.

Which card is better for travel?

The Chase Sapphire Reserve for Business is better for travel with $800 in annual travel benefits compared to $100 for the Chase Sapphire Preferred.

Should I get the Chase Sapphire Reserve for Business?

If you're deciding between the Chase Sapphire Preferred and Chase Sapphire Reserve for Business, the Chase Sapphire Reserve for Business is the better choice with $1,155 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.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE SAPPHIRE PREFERRED COMPARISONS

MORE SAPPHIRE RESERVE FOR BUSINESS COMPARISONS