Chase Sapphire Preferred vs Chase Sapphire Reserve
Chase Sapphire Reserve edges Chase Sapphire Preferred on year-1 math ($2,499 more value at 1.8¢/pt).
Quick verdict
Chase Sapphire Reserve edges Chase Sapphire Preferred on year-1 math ($2,499 more value at 1.8¢/pt)
Chase Sapphire Preferred: $50 recurring credits + $1,350 welcome bonus − $95 AF = $1,305 net. Chase Sapphire Reserve: $1,899 recurring credits + $2,700 welcome bonus − $795 AF = $3,804 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Chase Sapphire Preferred | Chase Sapphire Reserve | |
|---|---|---|
| Annual fee | $95 | $795 |
| Welcome bonus | 75,000 pts after $5,000 in 3mo | 150,000 pts after $6,000 in 3mo |
| Welcome bonus value @ 1.8¢ | $1,350 | $2,700 |
| Free-night cert | — | — |
| Recurring credits / year | $50 | $1,899 |
| Year-1 net @ 1.8¢ | $1,305 | $3,804 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Chase Sapphire Preferred
2 recurring credits
- Hotel Credit$50 · Annual
- Anniversary Points (10% boost on prev-year spend)$0 · Annual
Chase Sapphire Reserve
6 recurring credits
- The Edit by Chase Travel$250 · Semi-annual
- Sapphire Exclusive Tables Dining$150 · Semi-annual
- Priority Pass Select$469 · Annual
- Travel Credit$300 · Annual
- Sapphire Lounge access$300 · Annual
- Global Entry / TSA PreCheck$120 · Every 4 years
Pick Chase Sapphire Preferred if
the AF is meaningfully lower ($95 vs $795).
Pick Chase Sapphire Reserve if
the recurring credits stack is richer ($1,899 vs $50); the welcome bonus pays more at 1.8¢/pt ($2,700 vs $1,350).