Chase Sapphire Preferred vs. Reserve Credit Card Comparison


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See how the Chase Sapphire Preferred (Learn More Here) stacks up to the Chase Sapphire Reserve (Learn More Here) when it comes to benefits including lounge access, sign-up bonus, earning potential and more. We’ll take a closer look at which card is the better option.

When it comes to sign-up bonuses, currently both the Chase Sapphire Preferred and the Chase Sapphire Reserve offer a 50,000 sign-up bonus after meeting the minimum spend requirements of $4,000. You can use them points a variety of ways, including booking travel through Chase, or transferring to one of the many Ultimate Rewards transfer partners including United Airlines, Southwest Airlines, Hyatt Hotels, etc. to name a few.

Benefits of the Chase Sapphire Preferred Card (Learn More Here):

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions – as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards

Benefits of the Chase Sapphire Reserve Card (Learn More Here):

  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓

Card Comparison: 

Both of these cards earn Chase Ultimate Rewards points, however they do at different rates. The Chase Sapphire Preferred earns 2x points on dining and travel, and 1x points on all other purchases. With the Chase Sapphire Reserve, that card earns 3x points on dining and travel making it a better card for these purchases.

When it comes to using points through the Chase Ultimate Rewards Travel, you’ll come out ahead with the Chase Sapphire Reserve as you’re able to redeem for 1.5 cents per point for travel, compared to the Chase Sapphire Preferred offering a 1.25 cents per point redemption.

If you’re seeking out lounge access, only the Chase Sapphire Reserve offers lounge access with a Priority Pass Select membership for cardholders. Additionally, the Reserve offers a $300 annual travel credit as a cardholder, which can help if you’re trying to offset the annual fee.

When comparing the perks and benefits of these cards, the Chase Sapphire Reserve Card offers many more valuable benefits including the $300 annual travel credit, Priority Pass lounge access, 3x points on dining and travel, and a $100 fee credit for either TSA Pre-Check or Global Entry.

You can learn more apply for these cards:

See Why I’m Glad I Got the Chase Sapphire Reserve Card

Do you have any questions about the Chase Sapphire Preferred or the Chase Sapphire Reserve card? Feel free to leave a comment below!

Editorial Note: Opinions, analyses, reviews or suggestions expressed on this site are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This post was accurate at the time of posting, offer may be unavailable on this site at a later time. For details on current offers visit the card issuer’s site.

About Points, Miles & Martinis

Here at Points, Miles and Martinis, we love all things travel. We focus on topics relating to travel including destinations, airline, hotel, car rental and credit card reward programs. Our goal is to help people travel better. - See more at our About Us page.

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