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Points, Miles & Credit Cards

Chase Sapphire Preferred® vs. Chase Sapphire Reserve®

Going

Going

May 2, 2024

4 min read

Going has partnered with CardRatings for our coverage of credit card products. Going and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of all of the card offers that appear on this page are from advertisers; compensation may affect how and where the cards appear on the site; and Going does not include all card companies are all available card offers.

The card_name and card_name cards are among the most beloved travel credit cards available.

Which one should you choose?

Chase Sapphire Preferred vs. Sapphire Reserve: Card benefits compared

Who is Chase Sapphire Reserve right for?

If you want more travel perks, pick the card_name.

The Chase Sapphire Reserve’s annual fee is higher (annual_fees), but it also comes with card perks that are not offered on the Preferred:

  • 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.
  • $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 $250 biannual credits)
  • $300 annual dining credit and primetime reservations at Sapphire Reserve Exclusive Tables (split into two $150 biannual credits)
  • $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
  • $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

Learn more about the card_name

Who is Chase Sapphire Preferred best for?

If you want a lower annual fee, pick card_name.

The annual_fees annual fee makes this card more friendly to beginners, but it doesn’t give you airport lounge access, an annual travel credit, or a Trusted Traveler application fee credit. Here’s what you get instead:

  • 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

Learn more about the card_name

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.

Learn more about the card_name

Learn more about the card_name

Frequently asked questions

Can I upgrade the Chase Sapphire Preferred to Chase Sapphire Reserve?
Yes, you can. Just be aware that a product change--whether you upgrade or downgrade--is generally not eligible for any bonuses.

Going has partnered with CardRatings for our coverage of credit card products. Going and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of all of the card offers that appear on this page are from advertisers; compensation may affect how and where the cards appear on the site; and Going does not include all card companies are all available card offers.


Published May 2, 2024

Last updated June 26, 2025

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