Chase Sapphire Preferred vs. Chase Sapphire Reserve
A side-by-side look at Chase Sapphire Preferred and Chase Sapphire Reserve - annual fees, where each card earns the most, and signup bonus value, pulled straight from our card database.
Chase Sapphire Preferred
Annual fee$95/year
Signup bonus75,000 points
Travel via portal5x
Dining3x
Streaming3x
Online groceries3x
Points worth 25% more via Chase travel portal; transferable 1:1 to most airline/hotel partners, but World of Hyatt transfers were devalued to 4:3 in 2026.
Full Chase Sapphire Preferred details →
Chase Sapphire Reserve
Annual fee$795/year
Signup bonus100,000 points
Travel via portal8x
Travel direct4x
Dining3x
Travel general3x
Points worth 50% more via Chase travel portal. Fee rose from $550 to $795 in mid-2025; offset by a bundle including a $300 travel credit, dining/StubHub credits, and lounge access...
Full Chase Sapphire Reserve details →
At a glance
- Chase Sapphire Preferred has the lower annual fee ($95/year vs. $795/year).
- Chase Sapphire Preferred earns the most on Travel via portal (5x).
- Chase Sapphire Reserve earns the most on Travel via portal (8x).
- Chase Sapphire Preferred has the higher estimated signup bonus value after the annual fee.
Figures above are pulled directly from each card's own page - see the full Chase Sapphire Preferred or Chase Sapphire Reserve pages for category caps, issuer rules, and redemption notes before deciding.