Card Comparison
Chase Sapphire Reserve vs Chase Sapphire Preferred
Detailed comparison of rewards, fees, and benefits. Find out which card is better for your spending.
Rewards Comparison
| Category | Chase Sapphire Reserve | Chase Sapphire Preferred | Winner |
|---|---|---|---|
| Travel | 3x points | 5x points | Preferred |
| Dining | 3x points | 3x points | Tie |
| Online groceries | 1x point per $1 | 3x points | Preferred |
| Streaming services | 1x point per $1 | 3x points | Preferred |
| All other purchases | 1x point per $1 | 1x point per $1 | — |
Chase Sapphire Reserve Benefits
- $300 annual travel credit
- Priority Pass Select lounge access
- Trip delay/cancellation insurance
- Points transfer to 14 airline/hotel partners at 1:1
- No foreign transaction fees
- Global Entry/TSA PreCheck credit
Chase Sapphire Preferred Benefits
- $50 annual hotel credit via Chase Travel
- 5x on travel booked through Chase Travel
- 3x on dining, online groceries, and streaming
- Points transfer to 14 airline/hotel partners
- Trip cancellation/interruption insurance
- No foreign transaction fees
The Verdict
Choose Chase Sapphire Reserve if:
Travel and dining maximizers who want premium perks and flexible point transfers
Choose Chase Sapphire Preferred if:
Travel beginners who want strong rewards and travel protections at a reasonable annual fee
🔍 Find the Best Card for Any Merchant
Use CheckMCC to look up any merchant's MCC code and see which of these cards earns the most rewards.