Chase Sapphire Preferred vs Chase Sapphire Reserve
Two Ultimate Rewards cards compared
Verified October 2026
The Chase Sapphire Preferred ($95) undercuts the Chase Sapphire Reserve ($795) on annual fee. Pick the Chase Sapphire Preferred for everyday Lyft spending (5x); pick the Chase Sapphire Reserve for everyday travel through Chase portal spending (8x).
At a Glance
Chase Sapphire Preferred
- Annual Fee
- $95
- Signup Bonus
- 75,000 points
- Network
- Visa
- Points Currency
- Ultimate Rewards
- Earning Rates
-
Lyft 5xDining 3xAll Other Purchases 1xTravel Booked Through Chase Travel 5x
Chase Sapphire Reserve
- Annual Fee
- $795
- Signup Bonus
- 100,000 points
- Network
- Visa
- Points Currency
- Ultimate Rewards
- Earning Rates
-
Dining 3xFlights And Hotels 4xTravel Through Chase Portal 8x
Category Breakdown
How they compare across key categories
Annual Fee
Chase Sapphire Preferred winsChase Sapphire Preferred $95 vs Chase Sapphire Reserve $795
Welcome Bonus
Chase Sapphire Reserve winsChase Sapphire Preferred: 75,000 points after $5,000 in 3 months vs Chase Sapphire Reserve: 100,000 points after $6,000 in 3 months
Top Earning Rate
Chase Sapphire Reserve winsChase Sapphire Preferred: 5x on Lyft vs Chase Sapphire Reserve: 8x on travel through Chase portal
Perks & Credits
Chase Sapphire Reserve winsChase Sapphire Preferred: 3 listed benefits vs Chase Sapphire Reserve: 6 listed benefits
Transfer Partners
TieChase Sapphire Preferred: 14 airline and hotel partners vs Chase Sapphire Reserve: 14 airline and hotel partners
Perks & Benefits
Chase Sapphire Preferred
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Chase Sapphire Reserve
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
- Dining Credit ($300)
- Priority Pass Select
- Chase Sapphire Lounges
Which Is Right for You?
Get the Chase Sapphire Preferred if...
- Lower $95 annual fee
- Earns 5x on Lyft
- Earns 5x on travel booked through Chase Travel
- Hotel credit ($50)
Get the Chase Sapphire Reserve if...
- Premium benefits to offset the $795 fee
- Earns 8x on travel through Chase portal
- Earns 4x on flights and hotels
- Annual Travel Credit ($300)
Frequently Asked Questions
Is the Chase Sapphire Preferred or Chase Sapphire Reserve better?
The Chase Sapphire Preferred ($95) undercuts the Chase Sapphire Reserve ($795) on annual fee. Pick the Chase Sapphire Preferred for everyday Lyft spending (5x); pick the Chase Sapphire Reserve for everyday travel through Chase portal spending (8x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.
Which has the lower annual fee, the Chase Sapphire Preferred or Chase Sapphire Reserve?
The Chase Sapphire Preferred has the lower annual fee at $95, versus $795 for the Chase Sapphire Reserve.
Which card earns points faster?
The Chase Sapphire Preferred earns up to 5x on Lyft, while the Chase Sapphire Reserve earns up to 8x on travel through Chase portal.
Can I have both the Chase Sapphire Preferred and the Chase Sapphire Reserve?
Yes, but mind Chase's 5/24 rule — Chase generally won't approve you for either card if you've opened five or more cards across all issuers in the past 24 months.
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Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.