{"id":6951,"date":"2023-12-21T20:27:34","date_gmt":"2023-12-21T20:27:34","guid":{"rendered":"https:\/\/mer.tours\/chase-sapphire-preferred-vs-sapphire-reserve-should-you-go-mid-tier-or-premium\/"},"modified":"2023-12-21T20:27:35","modified_gmt":"2023-12-21T20:27:35","slug":"chase-sapphire-preferred-vs-sapphire-reserve-should-you-go-mid-tier-or-premium","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/chase-sapphire-preferred-vs-sapphire-reserve-should-you-go-mid-tier-or-premium\/","title":{"rendered":"Chase Sapphire Preferred vs. Sapphire Reserve: Should you go mid-tier or premium?"},"content":{"rendered":"

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The Chase Sapphire Reserve<\/a> and the Chase Sapphire Preferred Card<\/a> are two of the most talked-about travel credit cards<\/a> on the market. That’s thanks to the valuable Ultimate Rewards program<\/a>, top-notch benefits and great travel protections<\/a>. But which one is the best match for you?<\/p>\n

You might assume that the Chase Sapphire Reserve \u2014 with a higher annual fee and more luxury benefits \u2014 is always the better choice. It is the higher-tier card, but that may not necessarily mean it’s your best option. Depending on your spending habits, travel goals and existing credit card lineup, the Sapphire Preferred could be the more attractive option for your wallet.<\/p>\n

We’ll compare the two cards below to help you make the best decision.<\/p>\n

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Sapphire Preferred vs. Sapphire Reserve comparison<\/h2>\n
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Card<\/h3>\n<\/th>\n

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Chase Sapphire Preferred<\/h3>\n<\/th>\n

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Chase Sapphire Reserve<\/h3>\n<\/th>\n<\/tr>\n<\/thead>\n

Annual fee<\/strong><\/td>\n$95<\/td>\n$550<\/td>\n<\/tr>\n
Earning rates<\/strong><\/td>\n5 points per dollar on travel purchased through the Ultimate Rewards portal<\/p>\n

5 points per dollar on Lyft through March 2025<\/p>\n

5 points per dollar on Peloton equipment and accessory purchases over $150 or more with a maximum earn of 25,000 total points through March 2025<\/p>\n

3 points per dollar on dining at restaurants worldwide, online grocery purchases, and select streaming services<\/p>\n

2 points per dollar on all other travel<\/p>\n

1 point per dollar on everything else<\/p>\n<\/td>\n

10 points per dollar on hotels, car rentals and Chase Dining purchased through the Ultimate Rewards portal<\/p>\n

10 points per dollar on Lyft through March 2025<\/p>\n

10 points per dollar on Peloton equipment and accessory purchases over $150 with a maximum earn of 50,000 total points through March 2025<\/p>\n

5 points per dollar on flights purchased through the Ultimate Rewards portal<\/p>\n

3 points per dollar on dining and all other travel<\/p>\n

1 point per dollar on everything else<\/p>\n<\/td>\n<\/tr>\n

Sign-up bonus<\/strong><\/td>\n60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening<\/td>\n60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening<\/td>\n<\/tr>\n
Value for Ultimate Rewards travel redemptions<\/strong><\/td>\n1.25 cents<\/td>\n1.5 cents<\/td>\n<\/tr>\n
Benefits<\/strong><\/td>\n$50 annual ultimate rewards hotel credit<\/p>\n

10% anniversary points boost<\/p>\n

DoorDash DashPass subscription (activate by Dec. 31, 2024)<\/p>\n

Six-month complimentary Instacart+ membership (activate by July 31, 2024) and up to $15 in Instacart statement credits each quarter (through July 2024)<\/p>\n

\u00a0<\/p>\n<\/td>\n

$300 annual travel credit<\/p>\n

Global Entry, TSA PreCheck or Nexus fee credit (up to $100) every four years<\/p>\n

Complimentary two-year Lyft Pink All Access membership (activate by Dec. 31, 2024)<\/p>\n

DoorDash DashPass subscription (activate by Dec. 31, 2024) and $5 in DoorDash credits each month<\/p>\n

One-year complimentary Instacart+ membership (activate by July 31, 2024) and up to $15 in Instacart statement credits per month (through July 2024)<\/p>\n

Access to Chase Luxury Hotel & Resort Collection<\/p>\n<\/td>\n<\/tr>\n

Lounge access<\/strong><\/td>\nNone<\/td>\nPriority Pass lounges<\/p>\n

Sapphire Lounges<\/p>\n<\/td>\n<\/tr>\n

Authorized user fee<\/strong><\/td>\n$0<\/td>\n$75 for each user per year<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

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

Currently, the Sapphire Preferred<\/a> and Sapphire Reserve<\/a> have an identical welcome bonus of 60,000 points after you spend $4,000 in the first three months from account opening.<\/p>\n

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