{"id":209854,"date":"2025-12-08T21:00:40","date_gmt":"2025-12-08T21:00:40","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/12\/08\/chase-sapphire-preferred-vs-chase-sapphire-reserve-the-points-guy\/"},"modified":"2025-12-08T21:00:40","modified_gmt":"2025-12-08T21:00:40","slug":"chase-sapphire-preferred-vs-chase-sapphire-reserve-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/12\/08\/chase-sapphire-preferred-vs-chase-sapphire-reserve-the-points-guy\/","title":{"rendered":"Chase Sapphire Preferred vs. Chase Sapphire Reserve – The Points Guy"},"content":{"rendered":"


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Each of Chase’s personal Sapphire cards earns valuable Chase Ultimate Rewards points<\/a>.<\/p>\n

While the mid-tier Chase Sapphire Preferred\u00ae Card<\/a><\/span> (see rates and fees<\/a>) and premium Chase Sapphire Reserve\u00ae<\/a> (see rates and fees<\/a>) are in the same family, the two cards diverge in benefits, earning rates and annual fees.<\/p>\n

The Sapphire Reserve offers many perks in exchange for a high $795 annual fee, while the Sapphire Preferred is a simpler option for $95 a year.<\/p>\n

Consider your travel style and overall points and miles strategy before choosing. Let’s compare.<\/p>\n

Sapphire Preferred vs. Reserve comparison<\/h2>\n
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Card<\/p>\n<\/th>\n

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Sapphire Preferred<\/p>\n<\/th>\n

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Sapphire Reserve<\/p>\n<\/th>\n<\/tr>\n<\/thead>\n

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$95<\/span><\/p>\n<\/td>\n

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$795<\/span><\/p>\n<\/td>\n<\/tr>\n

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<\/p>\n
    \n
  • 5 points per dollar spent on all travel booked through Chase Travel\u2120, eligible Lyft rides (through Sept. 30, 2027) and eligible Peloton purchases of at least $150 (through Dec. 30, 2027)<\/li>\n
  • 3 points per dollar spent on dining, online grocery purchases (excluding Target, Walmart and wholesale clubs) and select streaming services<\/li>\n
  • 2 points per dollar spent on all other travel<\/li>\n
  • 1 point per dollar spent on all other purchases<\/li>\n<\/ul>\n

    <\/span><\/div>\n<\/td>\n

\n
<\/p>\n
    \n
  • 10 points per dollar spent on eligible Peloton purchases of at least $150 (through Dec. 30, 2027)<\/li>\n
  • 8 points per dollar on all Chase Travel\u2120 purchases<\/li>\n
  • 5 points per dollar spent on Lyft rides (through Sept. 30, 2027)<\/li>\n
  • 4 points per dollar spent on flights and hotels booked directly<\/li>\n
  • 3 points per dollar spent on dining purchases worldwide<\/li>\n
  • 1 point per dollar spent on all other purchases<\/li>\n<\/ul>\n

    (Purchases that qualify for the annual $300 travel credit will not earn points.)<\/p>\n

    <\/span><\/div>\n<\/td>\n<\/tr>\n

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Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.<\/span><\/p>\n<\/td>\n

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Check your eligibility<\/a><\/span> (with no impact on your credit score) to see if you’re targeted for an elevated offer to earn up to 175,000 points after spending $6,000 in the first three months. (This offer is only available via this tool<\/a>.)<\/span><\/div>\n<\/td>\n<\/tr>\n
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<\/p>\n
    \n
  • Anniversary points boost<\/li>\n
  • Annual hotel credit when you book through Chase Travel<\/li>\n
  • DoorDash DashPass subscription and monthly DoorDash credits on nonrestaurant purchases<\/li>\n
  • Travel and purchase protections<\/li>\n<\/ul>\n

    \u00a0<\/p>\n

    <\/span><\/div>\n<\/td>\n

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<\/p>\n
    \n
  • Annual travel credit<\/li>\n
  • Complimentary subscriptions for Apple TV+ and Apple Music<\/li>\n
  • Complimentary IHG elite status<\/li>\n
  • DoorDash DashPass subscription<\/li>\n
  • The Edit hotel credit<\/li>\n
  • Global Entry, TSA PreCheck or Nexus application fee credit<\/li>\n
  • Lyft in-app credits (earned monthly)<\/li>\n
  • OpenTable credit<\/li>\n
  • Peloton membership credits<\/li>\n
  • Spending-incentivized credits, including IHG, Hyatt and Southwest Airlines status, and credits with Southwest Airlines and The Shops at Chase<\/li>\n
  • StubHub and Viagogo credit<\/li>\n
  • Travel and purchase protections<\/li>\n<\/ul>\n

    <\/span><\/div>\n<\/td>\n<\/tr>\n

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None<\/span><\/p>\n<\/td>\n

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<\/p>\n
    \n
  • Chase Sapphire Lounge access<\/li>\n
  • Priority Pass Select membership<\/li>\n<\/ul>\n

    <\/span><\/div>\n<\/td>\n<\/tr>\n

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$0<\/span><\/p>\n<\/td>\n

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$195 for each user<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Sapphire Preferred vs. Reserve welcome bonus<\/h2>\n

New applicants for the Sapphire Reserve<\/a> can check their eligibility to see if they’re targeted for an elevated offer to earn up to 175,000 points after spending $6,000 in the first three months. (You must check to see if you’re eligible for the 175,000-point offer via the Chase prequalification widget<\/a>. There is no impact on your credit score. This offer is only available via this tool.)<\/p>\n

These points are worth up to $3,588, according to TPG’s December 2025 valuations<\/a>. (The standard public offer is 125,000 points for the same spending requirement.)<\/p>\n

Meanwhile, you can earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening with the Sapphire Preferred<\/a><\/span>. This is worth $1,538 when considering TPG’s December 2025 valuations.<\/p>\n

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<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

You can hold both the Sapphire Reserve and Sapphire Preferred, but there are restrictions<\/a> that may make some new applicants ineligible for bonus offers.<\/p>\n

If you’ve previously earned a bonus on the Sapphire Reserve, you almost certainly won’t be eligible for a second bonus on the Sapphire Reserve. If you previously earned a bonus on a Sapphire Preferred, you almost definitely will be ineligible for a second bonus on the Sapphire Preferred.<\/p>\n

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It’s important to remember Chase’s 5\/24 rule<\/a> when applying for one of the issuer’s cards.<\/p>\n

Winner<\/strong>: Sapphire Reserve. You could be targeted for a much higher offer than what the Sapphire Preferred provides.<\/p>\n

Sapphire Preferred vs. Reserve benefits<\/h2>\n

The Sapphire Preferred<\/a><\/span> and Sapphire Reserve<\/a> are separated most distinctly by their benefits. Let’s break down what you can expect.<\/p>\n

With the $95 Sapphire Preferred, you’ll receive:<\/p>\n