Chase Sapphire Preferred Credit Card vs Chase Sapphire Reserve
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Chase Sapphire Preferred Credit Card
Estimated value every year on typical spending
$561/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,311
Chase Sapphire Reserve
Estimated value every year on typical spending
−$57/ year
Every year, after the annual fee. Year one adds a $1,000 welcome bonus: $943
The short answer
- On typical spending, the Chase Sapphire Preferred Credit Card comes out ahead: about $561 a year after its fee, against −$57 for the Chase Sapphire Reserve.
- The Chase Sapphire Preferred Credit Card earns more on groceries, gas.
- The Chase Sapphire Preferred Credit Card costs $700 less a year to hold.
Side by side
| Chase Sapphire Preferred Credit Card | Chase Sapphire Reserve | |
|---|---|---|
| Annual fee | $95 | $795 |
| Rewards | 5x points on Chase Travel; 3x points on dining, gas stations, EV charging, vacation homes, top streaming services, and online grocery; 1x points on all other purchases | 8x points on all purchases through Chase Travel; 4x points on flights and hotels booked direct; 3x points on dining worldwide; 1x point on all other purchases |
| Welcome bonus | Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening. | Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening. |
| Credits counted | $80/yr | $330/yr |
| Intro APR | Not applicable | Not listed |
| Regular APR | 19.49% to 27.74% variable | 19.74% to 28.24% variable |
| Foreign transaction fee | None | None |
| Credit needed | Good/Excellent | Not specified |
Yearly rewards by category
| Category (monthly spend) | Chase Sapphire Preferred Credit Card | Chase Sapphire Reserve |
|---|---|---|
| groceries ($500) | $180 | $60 |
| dining ($400) | $144 | $144 |
| gas ($200) | $72 | $24 |
| travel ($300) | $36 | $36 |
| everything else ($1,200) | $144 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Chase Sapphire Preferred Credit Card or the Chase Sapphire Reserve?
On typical spending the Chase Sapphire Preferred Credit Card is worth more: about $561 a year after its fee, against −$57 for the Chase Sapphire Reserve. Which is better for you depends on where you spend most; see the category answers below.
Which has the lower annual fee?
The Chase Sapphire Preferred Credit Card ($95 a year, against $795).
Which is better for groceries?
The Chase Sapphire Preferred Credit Card. On $500 a month of groceries it earns about $180 a year, against $60 with the Chase Sapphire Reserve.
Which is better for gas?
The Chase Sapphire Preferred Credit Card. On $200 a month of gas it earns about $72 a year, against $24 with the Chase Sapphire Reserve.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.