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Chase Sapphire Preferred vs Chase Sapphire Reserve
Every benefit and earning rate compared in real dollars
Chase Sapphire Preferred
Chase · $95/yr fee
Total Value$815/yr
Annual Fee-$95
Net Value+$720
Chase Sapphire Reserve
Chase · $795/yr fee
Total Value$3,663/yr
Annual Fee-$795
Net Value+$2,868
Chase Sapphire Reserve wins by $2,148/yr in net value
Based on total benefit value minus annual fee. Your actual value depends on which benefits you use.
Earning Rates
| Category | Chase Sapphire Preferred | Chase Sapphire Reserve |
|---|---|---|
| Chase Travel bookings | 5x | 8x |
| Flights (direct) | – | 4x |
| Hotels (direct) | – | 4x |
| Dining | 3x | 3x |
| Online grocery | 3x | – |
| Streaming services | 3x | – |
| Other travel (booked directly) | 2x | – |
| All other purchases | 1x | 1x |
Benefits Both Cards Share (7)
Hotel Credit
$50vs$500
Car Rental Loss & Damage Insurance
$200vs$200
Trip Cancellation/Interruption Insurance
$100vs$150
Trip Delay Reimbursement
$50vs$75
Purchase Protection
$75vs$100
No Foreign Transaction Fees
$50vs$50
DoorDash DashPass
$240vs$420
Only on Chase Sapphire Preferred (1)
Extended Warranty
$50/yrInsurance & Protection
Only on Chase Sapphire Reserve (13)
Annual Travel Credit
$300/yrStatement Credits
Dining Credit
$300/yrStatement Credits
StubHub / viagogo Credit
$300/yrStatement Credits
Lyft Monthly Credit
$120/yrStatement Credits
Peloton Membership Credit
$120/yrStatement Credits
Global Entry / TSA PreCheck Credit
$30/yrStatement Credits
Priority Pass Select
$200/yrTravel Perks
Chase Sapphire Lounge Access
$200/yrTravel Perks
Return Protection
$50/yrInsurance & Protection
Travel Accident Insurance
$10/yrInsurance & Protection
Apple Music Subscription
$132/yrShopping & Lifestyle
Chase Travel Hotels Credit
$250/yrStatement Credits
Apple TV+ Subscription
$156/yrShopping & Lifestyle
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