Sapphire Preferred versus Sapphire Reserve

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The Chase Sapphire Preferred and Chase Sapphire Reserve Visa cards are two of the most popular rewards credit cards available, and for good reason. The Reserve card just increased their welcome bonus by 33.3% in October of 2022; how does update tip the scales? Find out in the conclusion below.

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

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Chase Sapphire Preferred Overview

The Preferred card is an excellent all-around card with a reasonable annual fee of $95 that will easily pay for itself several times over. For starters, the card currently has a welcome offer of 60,000 UR points (after spending $4,000 in 3 months). That means you’ll have at least 64,000 points that can easily be redeemed for $790 in travel.

A perk exclusive to the Preferred card is a generous 10% annual point bonus equal to 10% of your total purchases the previous year. If you spent $50,000 on the card, you’d get an extra 5,000 points (on top of the 50,000+ you already earned) the following year.

Chase Sapphire Reserve Overview

The Reserve card is a premium card with a premium annual fee of $550. The welcome bonus is not as generous as that of the Preferred card, but new users are rewarded with an elevated 80,000 UR points after spending $4,000 in 3 months.

Every 4 years, you can get up to $100 reimbursed for TSA Precheck or Global Entry. I highly recommend Global Entry — it gives you TSA Precheck and lets you breeze through customs more efficiently.

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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. The Reserve card just increased their welcome bonus by 33.3% in October of 2022; how does update tip the scales? Find out in the conclusion below.

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.

Chase Sapphire Preferred Overview

A perk exclusive to the Preferred card is a generous 10% annual point bonus equal to 10% of your total purchases the previous year. If you spent $50,000 on the card, you’d get an extra 5,000 points (on top of the 50,000+ you already earned) the following year.

Additional Preferred Card Perks

Chase Sapphire Reserve Overview

The Reserve card is a premium card with a premium annual fee of $550. The welcome bonus is not as generous as that of the Preferred card, but new users are rewarded with an elevated 80,000 UR points after spending $4,000 in 3 months.

Emergency Fund

Every 4 years, you can get up to $100 reimbursed for TSA Precheck or Global Entry. I highly recommend Global Entry — it gives you TSA Precheck and lets you breeze through customs more efficiently.

Additional Reserve Card Perks

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