Chase Sapphire Preferred® vs. Chase Sapphire Reserve®

Which one should you choose?

Chase Sapphire Preferred vs. Sapphire Reserve: Card benefits compared

Who is Chase Sapphire Reserve right for?

• A $300 annual travel credit: This credit is automatically applied as a statement credit on the first $300 spent on purchases in the travel category annually.
• Up to $120 Global Entry, TSA Precheck® or Nexus credit every four years
• Airport lounge access: Access to the Chase Sapphire Lounge by The Club network of airport lounges. Plus, Priority Pass Select™ airport lounge membership (enrollment required).
• $500 annual credit for The Edit– a Chase Travel^℠ collection of over 1,100 hand-picked hotels and resorts (split into two biannual credits up to $250)
• $300 annual dining credit and primetime reservations at Sapphire Reserve Exclusive Tables (split into two biannual credits up to $150)
• $250 in credits annually for subscriptions to Apple TV+ and Apple Music
• $300 annual StubHub credit (split into two $150 biannual credits; activation required)
• $120 in annual Lyft in-app credits, up to $10 monthly, plus 5x total points on eligible Lyft rides through 9/30/27
• $300 annually in monthly DoorDash promos and complimentary DashPass membership
• Up to $120 in annual statement credits toward Peloton memberships
• Complimentary IHG One Rewards Platinum Elite Status

Read our review of the Chase Sapphire Reserve card

Who is Chase Sapphire Preferred best for?

• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel(SM)
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Points earning: Earn 5x on travel purchased through Chase Travel(SM), 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases

Read our review of the Chase Sapphire Preferred card

Welcome offers on the Chase Sapphire Preferred and Chase Sapphire Reserve cards

Here is the current welcome offer on each card:

Chase Sapphire Preferred vs. Sapphire Reserve - Perks with both cards

To be honest, you can’t go wrong with either option. Regardless of which you choose, both offer:

• No foreign transaction fees
• Points transfer 1:1 to airline and hotel partners
• Travel insurance and protections*: Auto​ Rental Collision Damage Waiver, Trip Delay Reimbursement, Lost Luggage​ Reimbursement, Trip Cancellation/Interruption Insurance

^{*These benefits are available when you use your card. Restrictions, limitations, and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened, consult the Guide to Benefits, which includes a full explanation of coverages.}