Which is Better? Chase Sapphire Preferred versus Sapphire Reserve Story

Which is Better? Chase Sapphire Preferred versus Sapphire Reserve

The Chase Sapphire Preferred and Chase Sapphire Reserve Visa cards are two of the most popular rewards credit cards available, and for good reason.

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Which card makes the most sense for you? That depends on your spending habits, travel habits, and how much you plan to use the card.

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Let’s dive in to compare and contrast the Sapphire Preferred and Sapphire Reserve cards.

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Which is Better? Chase Sapphire Preferred versus Sapphire Reserve

The Preferred Card’s $95 annual fee is $455 cheaper than the $550 annual fee of the reserve card. When factoring in the $300 travel credit on the Reserve, the difference drops to $155.

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Chase Ultimate Rewards Travel Portal

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Both cards have world-class coverage for travel mishaps. The Reserve card gives you $1,000,000 in travel accident insurance; the Preferred card’s coverage maxes out at $500,000.

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With the Preferred card, you’ll earn 5x Chase UR points on Peloton purchases and $5 off a monthly Peloton membership per month.

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The Reserve card ups the ante to 10x points and $10 off the membership per month.

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Which is Better? Chase Sapphire Preferred versus Sapphire Reserve

The Chase Sapphire Preferred and Chase Sapphire Reserve Visa cards are two of the most popular rewards credit cards available, and for good reason.

Which card makes the most sense for you? That depends on your spending habits, travel habits, and how much you plan to use the card.

Let’s dive in to compare and contrast the Sapphire Preferred and Sapphire Reserve cards.

Which is Better? Chase Sapphire Preferred versus Sapphire Reserve

The Preferred Card’s $95 annual fee is $455 cheaper than the $550 annual fee of the reserve card. When factoring in the $300 travel credit on the Reserve, the difference drops to $155.

Annual Fee

Chase Ultimate Rewards Travel Portal

Both cards have world-class coverage for travel mishaps. The Reserve card gives you $1,000,000 in travel accident insurance; the Preferred card’s coverage maxes out at $500,000.

Travel Mishaps & Comfort

With the Preferred card, you’ll earn 5x Chase UR points on Peloton purchases and $5 off a monthly Peloton membership per month.

Peloton Credits

The Reserve card ups the ante to 10x points and $10 off the membership per month.

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