Chase Sapphire Preferred vs Chase Sapphire Reserve
Side by side, with every fee, rate and offer as the issuer publishes it.
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| Card |  Chase Chase Sapphire Preferred |
 Chase Chase Sapphire Reserve |
|---|---|---|
| Annual fee | $95/yr | $795/yr |
| Rewards | 5x Chase Travel, 3x dining/gas stations/EV charging/vacation homes at top brands/streaming/online grocery, 2x other travel, 1x else; up to $100 Chase Travel hotel credit yearly | 8x Chase Travel, 4x flights/hotels direct, 3x dining, 1x else; $300 travel credit |
| Welcome offer | 75,000 points after $5,000 spend in 3 months | 100,000 points after $6,000 spend in 3 months |
| Intro APR | None listed | None listed |
| Regular APR | 19.49%–27.74% variable | 19.74%–28.24% variable |
| Credit usually needed | Excellent | Excellent |
| Network | Visa | Visa |
| Card type | Travel | Travel |
| Links | Apply More info | Apply More info |
Key differences
- Chase Sapphire Preferred has the lower annual fee: $95 vs $795 for Chase Sapphire Reserve.
Where each card fits
Terms checked on Oct. 26, 2026 on the issuer's own site. Rates and offers change; the issuer's page has the final terms.
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