Can I Get Chase Sapphire Preferred and Reserve
If you're searching for a flexible travel card to help fund your adjacent vacation, the Chase Sapphire cards may be your best bet. Both the Chase Sapphire Preferred Card and the Hunt Sapphire Reserve card tin can have you a long manner on points, but with drastically unlike toll tags. The Chase Sapphire Preferred card charges $95 per yr for card membership, while the Chase Sapphire Reserve card charges a hefty $550 annual fee.
Maybe yous've already decided that the Sapphire Reserve's fee is across your means and are ready to utilize for the Sapphire Preferred menu. However, we advise that you pause for a moment and carefully compare the two cards. Our analysis suggests that the Sapphire Reserve is the improve value for many cardholders. Not to mention – thank you to a $300 annual travel credit and other reimbursements that make upward for most of the annual fee – information technology's a surprisingly affordable pick.
By our math, if y'all spend just over $v,400 per year on travel and eatery purchases, you're probable to come out alee with the Sapphire Reserve carte.
Read on to see which carte du jour is the better choice for you – the Sapphire Reserve or the Preferred.
Hunt Sapphire Preferred vs. Chase Sapphire Reserve
| Card | Chase Sapphire Preferred® Carte du jour | Chase Sapphire Reserve® |
| Rewards rate |
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| Sign-upwardly bonus | threescore,000 points if you spend $4,000 in first three months | 50,000 points if yous spend $iv,000 in first three months |
| Almanac fee | $95 | $550 |
| Other benefits |
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| Who should go this card? |
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Hunt Sapphire Preferred
The Chase Sapphire Preferred is Hunt'south original premium travel bill of fare – and a wildly popular one thank you to its solid sign-up bonus and versatile rewards points. New cardholders are treated to sixty,000 bonus points for signing up and spending $4,000 in the beginning three months. Cardholders also get 5 points per dollar on travel purchased through the Hunt portal, 3 points per dollar on eatery and dining purchases, including qualifying delivery services, which is an increase from the previous earnings charge per unit of 2 points per dollar. All of this is on top of ii points per dollar on other travel purchases and 1 point per dollar on everything else.
Best pick for a lower almanac fee
If you prefer non to risk the high annual fee on the Chase Sapphire Reserve carte – because you're not sure you lot tin can accuse plenty travel expenses to utilize the travel credit, or you simply tin can't afford $550 – the Chase Sapphire Preferred card is a great option with a lower almanac fee.
For $95 a yr, you get many of the same features as the Sapphire Reserve carte:
- A sign-up bonus worth $750 when redeemed for travel through the Ultimate Rewards portal (60,000 points when you lot spend $4,000 in the outset three months).
- Flexible points that can exist redeemed for travel purchases from practically any source.
- The ability to transfer points ane:1 to 13 travel partners.
- Fantastic travel protections for its price tag.
Additionally, with the Preferred, you'll go a $l annual argument credit for hotel bookings made through the Hunt portal, which can help you recoup more than half of the card's annual fee.
That said, be sure to exercise the math before you lot opt for the Sapphire Preferred simply considering the fee is lower – for many cardholders, the Sapphire Reserve is the meliorate option.
Best choice for an entry-level travel rewards card
If you have good-to-excellent credit and want to get your feet wet before y'all dive into a more circuitous rewards plan, the Chase Sapphire Preferred is a corking starter travel card. Since the Sapphire Preferred'south points transfer to a variety of travel programs, you lot tin can larn the workings of a few airline loyalty programs and test out transferring points to miles for a relatively small-scale $95 almanac fee. Or, if you determine this is all too complicated and time-consuming for you, y'all can cash in your points for statement credits and call information technology a twenty-four hour period.
Chase Sapphire Reserve
The Chase Sapphire Reserve bill of fare is Hunt's luxury-level carte with a $550 annual fee. Although the fifty,000-point sign-upwards bonus for spending $4,000 in the kickoff three months is a fleck lower than the Sapphire Preferred card's bonus, you'll get the aforementioned value ($750) when redeeming for travel through Chase due to the Sapphire Reserve'south additional rewards value: 50% actress redemption value toward Chase Ultimate Rewards travel and Pay Yourself Dorsum purchases (compared to 25%). You'll also earn more than in rewards – three points per dollar on travel, compared to two points.
All-time for travel and dining spending
It doesn't require as much spending equally you'd expect to see the value in the Chase Sapphire Reserve, thanks to the card's three-point earning rate on dining (including eligible food delivery services) and travel combined with the $300 travel credit you receive each yr.
Here'due south a breakdown of the rewards earned from each carte du jour on $2,226 dining and $1,272 travel, based on Agency of Labor Statistics average spending in these categories.
| Chase Sapphire Reserve carte du jour | Chase Sapphire Preferred menu |
| $ii,226 dining spend 10 3 points x 0.15 point value (when redeemed through Ultimate Rewards) = $100 value in rewards | $2,226 dining spend x 3 points x 0.125 bespeak value (when redeemed through Ultimate Rewards) = $83 value in rewards |
| $1,272 travel spend 10 2 points x 0.125 point value (when redeemed through Ultimate Rewards) = $32 value in rewards |
However, these calculations don't accept into consideration the points earned when booking travel through the Ultimate Rewards portal. If you use the Chase Sapphire Preferred to book travel through Chase, yous earn 5X points, which would be about $80 in value for travel spending.
Furthermore, if you lot book hotel stays through Chase's redemption portal with the Hunt Sapphire Reserve, you'll earn 10X points – an impressively high rewards rate non seen with many other cards.
Best value in the first yr
The $550 annual fee on the Chase Sapphire Reserve card may give you sticker shock, only think things through thoroughly before y'all opt for a menu with a lower annual fee. In that location is a big amount of value subconscious beneath the Chase Sapphire Reserve's glossy surface.
The Sapphire Reserve offers a couple of generous travel credits – an annual $300 travel credit that covers anything that Chase categorizes as a travel purchase, including airfare, and up to a $100 statement credit every four years for Global Entry/TSA PreCheck. If you lot are a frequent traveler, yous should exist able to easily recoup $300 in travel costs, which will cancel out most of the carte du jour'due south annual fee.
Purchases that qualify for the Sapphire Reserve'south travel credit
- Flights
- Hotel stays
- Parking garages
- Toll booths
- Pedicab rides
- Taxi rides (including ride-share services)
- Uber Eats purchases
- Public transportation
- And more than
Every bit you tin can see from the table below, when yous add together the travel credits and the sign-up bonus for the Chase Sapphire Reserve, the value of the menu hands outmatches its annual fee in the first yr (and that'southward not including the extra points you earn on travel and dining).
In terms of first-year bonuses, the Chase Sapphire Reserve is besides the better selection if you've been brainstorming future vacations or weekend getaways:
Value of bonuses plus credits in commencement year
| Chase Sapphire Preferred | Hunt Sapphire Reserve |
| Sign-upwards bonus ($750 value when redeemed for Ultimate Rewards travel) + $fifty hotel credit – $95 annual fee = $705 | Sign-up bonus ($750 value when redeemed for Ultimate Rewards travel) + $300 travel credit + $100 Global Entry credit – $550 almanac fee = $600 |
Best for lounge access
In combination with a valuable rewards program, the lounge access on the Chase Sapphire Reserve carte is a compelling reason to sign up. While at that place are many competing luxury cards that come with lounge access – including The Platinum Carte du jour® from American Express, which offers the widest lounge network including ultra-swanky Centurion lounges – the Chase Sapphire Reserve offers a skilful value on lounge access.
For a $550 annual fee, y'all and two guests go complimentary access to the Priority Laissez passer lounge network, and if you add on an authorized user for $75, that user is entitled to the same lounge admission. Chase will as well provide Reserve cardholders with access to its upcoming Chase Sapphire Lounge past The Club locations, which will be opening at airports in New York, Boston and Hong Kong.
Though the Citi Prestige® Card* as well offers a Priority Laissez passer membership to authorized users (plus you can bring along your entire immediate family for free), the Citi Prestige can't compare to the Sapphire Reserve menu'southward rewards plan and flexible annual travel credit. For the accommodating all-time value on luxury perks, the Sapphire Reserve card comes out alee of Citi'south flagship travel card.
Best for travel insurance
Both Chase Sapphire cards come with great travel protections, including master machine rental insurance, insurance for lost and delayed baggage and up to $xx,000 worth of trip cancellation and interruption insurance. Withal, the Sapphire Reserve has the edge over the Sapphire Preferred in terms of comprehensive travel coverage. Information technology also offers credit toward roadside assist, $100,000 worth of emergency evacuation insurance and $ii,500 worth of medical and dental insurance, in instance y'all need to run into a medico while you're traveling.
If you're looking for the become-to card to embrace your next vacation, you should check out the Chase Sapphire Reserve card.
Travel insurance benefits
| Chase Sapphire Preferred bill of fare | Chase Sapphire Reserve card |
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All-time for families
The Chase Sapphire Reserve is considered a luxury travel card, just it'due south also a great card for families trying to score discounted travel. Since the card has superior betoken-earning potential, y'all can earn your fashion to a gratuitous ticket faster. You can use the card's motorcar rental perks with National Motorcar Rental and Avis to become a disbelieve on your car rental.
Depending on the airport, you can apply your Priority Pass membership to snag some snacks while yous're waiting for your flight. In some airports, you can even stop past a participating restaurant to grab a free meal for you and your family since you get a $28 credit toward your meal plus credit for each authorized user and 1 boosted invitee (credit and guest terms may vary).
Also, family-friendly Southwest Airlines is included in the Sapphire Reserve'due south list of travel partners. If you already fly Southwest with your family unit because of its flexible seating and ticket modify policies, yous should take a close look at the Sapphire Reserve bill of fare – you can collect points for Southwest flights at a much faster pace.
Chase travel partners
- Singapore Airlines
- Iberia Plus
- Southwest Airlines
- JetBlue Airways
- United Airlines
- British Airways
- Emirates Skywards
- Air France/KLM
- Aer Lingus
- Virgin Atlantic
- Globe of Hyatt
- Marriott Bonvoy
- IHG
Come across related: Chase Ultimate Rewards transfer partners
Which is correct for you?
The selection between the Sapphire Preferred and Sapphire Reserve cards almost exclusively comes downward to your travel and dining expenses. Hither are 3 key questions to ask yourself when deciding betwixt the 2 cards:
- Can you afford the fee? Are you lot able to pay the Sapphire Reserve carte du jour'southward $550 almanac fee? Note – you shouldn't skip the Sapphire Reserve just because the fee seems pricey. However, if you tin can't beget to withdraw $550 from your bank account, you lot should consider the $95 Sapphire Preferred bill of fare instead.
- How much practise yous spend on travel and dining? If y'all can afford the Sapphire Reserve bill of fare'due south annual fee, you lot'll need to go your calculator out and determine how much you're probable to spend on travel and dining this yr. If yous spend an boilerplate of $3,498 on travel and dining combined each twelvemonth, the Sapphire Reserve is probable to be the meliorate value.
- Do you value lounge access? If you're looking for a credit card with lounge access, then the Chase Sapphire Reserve is the better option betwixt these two. If you don't motion-picture show yourself kicking back in airport lounges, though, it shouldn't necessarily be a deal-breaker – y'all can get plenty of value out of the balance of the Sapphire Reserve bill of fare's features.
Bottom line
The Chase Sapphire Preferred and Reserve are 2 wildly pop travel cards for good reason – they offer highly flexible rewards that can exist a great value for many types of cardholders. In the boxing between these cards, the Sapphire Reserve card has a articulate advantage, and y'all'll want to do some careful math earlier y'all get with the Sapphire Preferred carte du jour. Chase only allows you one Hunt Sapphire card at a fourth dimension, and you may have to look a yr or longer before y'all tin can change to a different menu.
Be sure yous're selecting the carte that matches your spending and travel patterns because y'all'll have to concur onto information technology for a while.
*Information about the Citi Prestige Carte has been collected independently past CreditCards.com. The issuer did not provide the details, nor is it responsible for their accuracy.
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The editorial content on this page is based solely on the objective assessment of our writers and is not driven past advertising dollars. It has not been provided or commissioned by the credit card issuers. However, nosotros may receive compensation when y'all click on links to products from our partners.
Source: https://www.creditcards.com/credit-card-news/chase-sapphire-preferred-versus-chase-sapphire-reserve/
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