Chase Sapphire Reserve vs Chase Sapphire Preferred

Chase Sapphire credit card

The Chase Sapphire Reserve credit card grabbed eyeballs with its extravagant offers and perks which entitled the users to lucrative rewards. It is no doubt lined up with premium benefits. But we cannot ignore Chase Sapphire Preferred, the sister card. Both the cards are well very useful and cater to distinct needs and hence market.
We are going to compare between two of the widely preferred Chase cards – Chase Sapphire Reserve and Chase Sapphire Preferred. This will help figure out which card will be your perfect choice.

An Insight of Chase Sapphire Reserve

The Chase Sapphire Reserve is a card that offers too much to be true when we once read the benefits we have from this card. The rewards, perks, and bonus are way too good and definitely exciting on the first go. But then strikes the annual fee factor. This card comes with a hefty $450 annual fee. But then along with the rewards that it offers, it may not be that harsh. So it has $300 cash back on your travel as a first time sign up reward. So then ultimately the actual fee literally reduces to $150 in a year, which is just the start of the better phase. The travel offer has a good variety of what comes under it. Be it flights or accommodation or even toll bridge, it’s a range to amaze.

An Insight of Chase Sapphire Preferred

The Chase Sapphire Preferred Card has a great variety of rewards and perks lined up for the users. The points that you earn from the purchase has great rewards for you to enjoy. This can definitely be your best travel credit card. It has a good reward point offer, which entitles you to get 2x points for every dollar you plan to spend. This can be a toll bridge dollar or even a cupcake shop dollar spent. It has no annual fee for the first year, what can be even better? Wondering how much they ask next year onwards? It is $95 per year.

Difference in Reward Structures

The Chase Sapphire Reserve has an annual fee of $450, whereas the Chase Sapphire Preferred Card has no annual fee for the first year and then has $95 per year. While the Chase Sapphire Reserve has 3x points on travel as well as dining and 1x points on the rest, the Chase Sapphire Preferred Card has 2x points on the travel arena and 1x for the rest. You get a 300 dollar credit with the Chase Sapphire Reserve and you get none of this with the Chase Sapphire Preferred. This makes the annual fee of the Sapphire Reserve equivalent to 150 dollars ideally. Definitely, the Chase Sapphire Reserve is more generous with its rewards and perks compared to Chase Sapphire Preferred. But all this comes with a slightly higher price as well. The authorized user fee is nil in Chase Sapphire Preferred Card, but it is present in the Chase Sapphire Reserve Card.

Common Characteristics of Chase Sapphire Reserve and Chase Sapphire Preferred

• By spending 4000 dollars from both the cards in the first three months of using the card, you receive massive 50,000 points.
• If you plan to cancel your trip, then both the cards have a similar insurance limit set for you.
• If you end up getting your baggage delayed, both the cards offer the same per day insurance and this is also for the same number of days in both the cards.
• Even worse if your luggage gets misplaced, then also the same amount of reimbursement is provided from both the cards.

Chase Sapphire credit card Login

The Chase Sapphire Preferred and Reserve credit card login page is same as Chase’s homepage at All you have to do is input your username and password in the top right-hand corner of the page. If you have not yet signed up to manage your account online, you can get your Chase Sapphire Preferred or Reserve credit card login information via Chase’s enrollment page.