Sapphire Reserve Vs. Chase Sapphire Preferred

Jan 02, 2024 By Triston Martin

Some of the best travel rewards cards out there are issued by Chase: the Sapphire Preferred and the Sapphire Reserve. Both credit cards provide important rewards points, travel perks, and privileges, but their annual fees and rewards earning potential vary. The Comparison between Preferred Sapphire with Reserve Sapphire offers a cheaper annual fee of $95 and rewards two points for each dollar spent on dining and travel. In addition, cardholders gain 1 point on all other transactions. The Preferred provides a sign-up bonus of 100,000 points after spending $4,000 within three months of account setup. The Preferred is an excellent alternative for infrequent travelers who want to continue earning rewards points on dining and travel expenditures.

The Chase Sapphire Reserve, on the other hand, has a higher annual cost of $550 but provides additional advantages and incentives for regular travelers. The Reserve gets three points per dollar on travel and eating and one point per dollar on all other expenditures. The Reserve gives a sign-up bonus of 60,000 points within a week of spending $4,000 in the account's first three months. The Reserve provides privileges such as a $300 yearly travel credit, Priority Pass lounge access, a credit for the application cost for Global Entry or TSA PreCheck, and other luxury travel benefits. The Chase Sapphire Preferred is a wonderful card for infrequent travelers looking to earn credit card rewards on travel and dining with a reduced annual fee. At the same time, the Sapphire Reserve is suited for regular travelers who place a premium on luxury amenities and advantages.

Annual Fee

One of the key differences between both the Chase Sapphire Select as well as Sapphire Reserve cards is the annual fee. The yearly charge for the chase sapphire reserve vs preferred is $95, while the annual price for the Sapphire Reserve is $550. The points and advantages provided by each card reflect the yearly fee differential.

Sign-Up Bonus

Both the Chase Sapphire Preferred as well as Sapphire Reserve credit cards provide welcome incentives. The Chase Sapphire Preferred now offers a sign-up bonus worth 100,000 points upon spending $4,000 within the first three months, whereas the Sapphire Reserve offers 60,000 points before spending the same amount.

Rewards

Both the Chase Sapphire Preferred as well as Sapphire Reserve programs provide incentives for daily shopping. The Chase Sapphire Premier card offers two points for every dollar spent on travel and dining and one point per dollar spent on all other expenditures. The Sapphire Reserve gets three points per dollar for eating and travel expenses and one point per dollar for every other expense.

Travel Perks

Both the Choosing Between Chase Sapphire Reserve and Chase Sapphire Preferred Professional and Sapphire Reserve credit cards provide a variety of travel perks, including trip cancellation as well as interruption insurance, vacation delay reimbursement, luggage delay insurance, and main vehicle rental insurance. Nevertheless, the Sapphire Reserve provides broader and more generous coverage limitations for these benefits.

Airport Lounge Access

Airport lounge access is one of the Sapphire Reserve's most notable perks. Cardholders enjoy a free subscription to Priority Pass, granting them access to over 1,300 airport lounges globally. Also, the Sapphire Reserve provides access to the premium Chase Sapphire Lounge at New York's JFK airport.

Travel Credits

The $300 yearly travel credit offered by the Sapphire Reserve may be used for any trip expenditures, including airfare, hotels, and vehicle rentals. There is no travel credit available with the Chase Sapphire Preferred.

TSA PreCheck or Global Entry Credit

Both the Chase Sapphire Preferred as well as Sapphire Reserve credit cards reimburse the application cost for Global Entry through TSA PreCheck. The Sapphire Reserve gives up to $100 in credit every four years, whereas the Chase Sapphire Prestige offers up to $85 in credit every four years.

Point Redemption

Both the Chase Sapphire Preferred as well as Sapphire Reserve cards permit redemption of points for travel via the Chase Preferred Rewards program. Yet, the Sapphire Reserve provides more value when points are spent for travel since points are 50% more valuable when redeemed via the Chase Preferred Rewards system.

Luxurious Hotel Eating Advantages

Via its association with the Luxury Hotel & Resort Collection as well as the Visa Infinite program, the Sapphire Reserve provides a variety of hotel and dining privileges. In selected hotels, cardholders may get room upgrades and late checkout, including exclusive amenities, exclusive fine restaurants, and discounts at select restaurants.

Customer Service

Sapphire Reserve cardholders get access to a specialized customer care line with reduced wait times than Sapphire Preferred cards.

Conclusion

In conclusion, both the Chase Sapphire Preferred as well as Sapphire Reserve are great travel rewards credit cards that would provide important perks and rewards points. The primary differences between the two cards are the yearly charge and privileges provided. The Preferred has a lower annual price and is ideal for infrequent travelers who wish to accumulate credit card rewards on travel and eating. At the same time, the Reserve has a higher annual charge but provides additional advantages and privileges for regular travelers who seek premium travel experiences. Ultimately, the ideal card for you will depend on your travel preferences and goals, so it's crucial to evaluate the perks of each card before selecting the one that best meets your requirements.

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