Which has the lower annual fee, Chase Sapphire Preferred or Chase Sapphire Reserve?

Chase Sapphire Preferred has a $95 annual fee, compared to $795 for Chase Sapphire Reserve.

Which card earns more on flights?

Chase Sapphire Reserve earns 8x on flights, compared to 2x for the other card.

Which card comes out ahead at typical spending, Chase Sapphire Preferred or Chase Sapphire Reserve?

At $24,000 of annual spending on an everyday profile, Chase Sapphire Preferred nets about $295/yr after the annual fee, compared to $-105/yr for Chase Sapphire Reserve. A different spending mix can flip this result.

Chase Sapphire Preferred vs Chase Sapphire Reserve

Side-by-side comparison of rewards, fees, and benefits

CardSavvy pick at typical spend

Chase Sapphire Preferred

Chase

60,000 pts bonus

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Chase Sapphire Reserve

Chase

125,000 pts bonus

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137 cards modeled · 18 spending categories · every verdict is a published formulaHow we rank →

Chase Sapphire Preferred comes out ahead by $400/yr at a typical $24,000/yr spending profile.

See the assumptions and math

Everyday profile: $24,000/yr across groceries, gas, dining, online shopping, streaming, and everything else. Signup bonuses excluded (first-year only). Statement credits counted at typical usage rates, not face value.

Card	Rewards	Credits	Fee	Net/yr
Chase Sapphire Preferred	$390	$0	-$95	$295
Chase Sapphire Reserve	$312	$378	-$795	$-105

Redemption Strategy

How you redeem points affects their value. Cash back is simplest, transfer partners offer the best value but require more effort.

Booking through the card issuer's travel site. Point values adjust automatically.

Simple Advanced view shows effective return rates (multiplier × point value) instead of just multipliers.	Chase Sapphire PreferredChase	Chase Sapphire ReserveChase
Annual Fee	$95	$795
Sign-Up Bonus	60,000 pts	125,000 pts
Point Value How much each point is worth in cents. This varies based on how you redeem (cash back, travel portal, or transfer partners).	1.3¢(Travel Portal)	1.5¢(Travel Portal)
Dining	3x	3x
Grocery	1x	1x
Flights	2x	8x via Chase Travel4x booked direct
Hotels	2x	8x via Chase Travel4x booked direct
Gas	1x	1x
Online Shopping	1x	1x
Everything Else	1x	1x
Fast Food Quick-service restaurants (MCC 5814). Most "dining" bonuses include fast food.	3x	3x
Streaming Subscriptions like Netflix, Spotify, Disney+, etc.	1x	1x
Internet Home internet and cable bills.	1x	1x
Cell Phone Cell phone bills (may incur processing fees).	1x	1x
Home Utilities Electricity, gas, water, sewer, trash.	1x	1x
Travel/Airline Credit	-	$300broad travel
Est. Perks Value	-	$828varies by usage*
Lounge Access	No	Yes

* Est. Perks Value: Requires enrollment; varies by usage. Excludes Travel/Airline Credit (shown separately).

Amex Platinum ($2,884): $600 FHR/THC hotel credit, $400 Resy dining, $300 lululemon, $300 digital entertainment, $320 Uber ($200 cash + $120 Uber One), $209 CLEAR+, $200 Oura, $155 Walmart+, $100 Saks, $300 Equinox.

CSR ($828): $420 DoorDash (DashPass + credits), $288 Apple TV+ and Apple Music, $120 Lyft credits.

Quick Verdict

Chase Sapphire Reserve earns more on travel (8x flights vs 2x). Chase Sapphire Preferred has a lower annual fee ($95 vs $795). Your best choice depends on where you spend the most.

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