Is the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® better?

It depends on your spending. The Sapphire Preferred has a net annual cost of $45 after credits, while the Sapphire Reserve costs $-305 net. Compare their earning rates and benefits to see which matches your spending habits.

What is the annual fee difference between the Sapphire Preferred and Sapphire Reserve?

The Sapphire Preferred has a $95 annual fee and the Sapphire Reserve has a $795 annual fee. However, both cards offer statement credits that reduce the effective cost.

Can I have both the Sapphire Preferred and Sapphire Reserve?

Both cards are issued by Chase, so you can hold both simultaneously. Having both lets you maximize earning rates across different spending categories.

Side-by-side comparison

Sapphire Preferred vs Sapphire Reserve

Chase

Sapphire Preferred

$95/yr

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Chase

Sapphire Reserve

$795/yr

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Basics

Annual fee

$95/yr

$795/yr

Rewards type

Chase Ultimate Rewards

Annual credits

$50/yr

$1100/yr

Net cost (fee − credits)

$45/yr

$-305/yr

Earning rates

All other spending

1x pts

Travel

5x pts

—

Dining

3x pts

Groceries

3x pts

—

Streaming

3x pts

—

Flights

—

8x pts

Hotels

—

8x pts

Car Rentals

—

8x pts

Credits & Benefits

Up to $50 Hotel Credit

$50/yr

—

Up to $300 Travel Credit

—

$300/yr

The Edit Hotel Credit

—

$250/yr

Dining Credit

—

$150/yr

Perks & Features

Priority Pass Lounge Access

—

✓

Global Entry / TSA PreCheck Credit

—

✓

Chase Sapphire Lounge Access

—

✓

Reserve Travel Designers

—

✓

Which card should you pick?

After accounting for credits and benefits, the Sapphire Reserve has a lower net annual cost ($-305/yr vs $45/yr for the Sapphire Preferred), making it the more cost-effective choice if you use the credits.

The Sapphire Preferred stands out with 5x pts on travel, while the Sapphire Reserve leads with 8x pts on flights. Pick the card that matches where you spend the most each month.

The Sapphire Reserve also offers more perks including Priority Pass Lounge Access and Global Entry / TSA PreCheck Credit.

Full Sapphire Preferred review →Full Sapphire Reserve review →

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Which card should you pick?

The Sapphire Preferred stands out with 5x pts on travel, while the Sapphire Reserve leads with 8x pts on flights. Pick the card that matches where you spend the most each month.

The Sapphire Reserve also offers more perks including Priority Pass Lounge Access and Global Entry / TSA PreCheck Credit.