Chase Sapphire Preferred® Card vs. Chase Sapphire Reserve®
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
Full review →Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
Full review →WealthSpott Verdict
Chase Sapphire Preferred® Card wins on more measurable categories — particularly annual cost. Chase Sapphire Reserve® may still win for your wallet depending on how you spend.
Feature
Chase Sapphire Preferred®
Chase Sapphire Reserve®
Annual Fee
$95/yr Best
$550/yr
Sign-up Bonus
60,000 points
60,000 points
Rewards Rate
1x-5x
1x-10x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
21.49%-28.49% Variable Best
22.49%-29.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
720-850
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
Not sure which card is right for you?
Browse all credit cards