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Head to head
Chase Sapphire Preferred vs Chase Sapphire Reserve
- Global Entry / TSA PreCheck / NEXUS Application Fee Credit$120 / 4yr
- Annual Hotel Credit via Chase Travel$100 / yr
- DoorDash Monthly Non-Restaurant Credit$10 / mo
- Complimentary Apple TV
- Annual Travel Credit$300 / yr
- Southwest Airlines A-List Status (Big Spend Bonus)
- World of Hyatt Explorist Status (Big Spend Bonus)
- The Edit by Chase Travel Credit (1 of 2)$250 / yr
- The Edit by Chase Travel Credit (2 of 2)$250 / yr
- Select Chase Travel Hotels Credit$250 / yr
- Apple TV+ and Apple Music Subscription$288 / yr
- Monthly Lyft Credit$10 / mo
Which card is the better fit?
Lower annual fee: Chase Sapphire Preferred.
More trackable catalog benefits: Chase Sapphire Reserve. More benefits do not automatically mean more usable value, so compare the restrictions and reset schedules below.
The better choice depends on which credits you will actually use and which earning categories match your spending. Review the issuer terms before applying.
Earning rates
| Category | Chase Sapphire Preferred | Chase Sapphire Reserve |
|---|---|---|
| Dining | 3x | 3x |
| Rideshare | 5x | 5x |
| Streaming | 3x | — |
| Travel general | 5x | 8x |
| Everything else | 1x | 1x |
Guides for comparing card value
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Comparison questions
- Chase Sapphire Preferred vs Chase Sapphire Reserve: which is worth it?
- Compare the annual fees with benefits you would actually use and rewards on your normal spending. Neither card is best for everyone.
- What is the annual fee difference between Chase Sapphire Preferred and Chase Sapphire Reserve?
- Creddy currently lists $95 / yr for Chase Sapphire Preferred and $795 / yr for Chase Sapphire Reserve. Confirm both with the issuers.
- Which card has better benefits, Chase Sapphire Preferred or Chase Sapphire Reserve?
- The benefit lists above show the current catalog details. Compare eligibility, usage limits and the value you can actually use.
- Can I have both Chase Sapphire Preferred and Chase Sapphire Reserve?
- It may be possible if you meet each issuer's account and eligibility rules. Consider whether both annual fees make sense for you.
- Which card is easier to get approved for?
- Creddy cannot predict approval. Each issuer evaluates applications under its current underwriting rules.