Chase Sapphire Preferred Card vs Chase Sapphire Reserve
Compare the Chase Sapphire Preferred Card ($95/yr) against the Chase Sapphire Reserve ($550/yr) to see which card earns you more rewards based on your spending.
See how the Chase Sapphire Preferred Card and Chase Sapphire Reserve stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Chase Sapphire Preferred Card | Chase Sapphire Reserve |
|---|---|---|
| Annual Fee | $95 | $550 |
| Sign-Up Bonus | 75,000 points after $5,000 spend in 3 months | 75,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 5% | 5% |
| Dining Rewards | 3% | 3% |
| Grocery Rewards | 3% | 1.0% |
| Key Benefits | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. | 10x on hotels/car rentals, 5x on flights through Chase Travel, 3x on dining. |
| Issuer | Chase | Chase |
Quick Summary
The Chase Sapphire Preferred Card has a $95 annual fee (saving you $455/year compared to Chase Sapphire Reserve).
Both cards have the same base reward rate (1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
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