Chase Prime Visa vs Sapphire Preferred
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Sapphire Preferred 1.5% 1x base rate
- Prime Visa 1.0% 1% base rate
Dining
- Sapphire Preferred 4.5% 3x
- Prime Visa 2.0% 2%
Gas
- Sapphire Preferred 4.5% 3x
- Prime Visa 2.0% 2%
Travel
- Sapphire Preferred · Chase Travel 7.5% 5x
- Prime Visa · Chase Travel 5.0% 5%
- Sapphire Preferred 1.5% 1x base rate
- Prime Visa 1.0% 1% base rate
Streaming
- Sapphire Preferred 4.5% 3x
- Prime Visa 1.0% 1% base rate
Amazon
- Prime Visa 5.0% 5%
- Sapphire Preferred 1.5% 1x base rate
Online grocery
- Sapphire Preferred 4.5% 3x
- Prime Visa 1.0% 1% base rate
Whole Foods Market
- Prime Visa 5.0% 5%
- Sapphire Preferred 1.5% 1x base rate
Flights
- Sapphire Preferred · Chase Travel 7.5% 5x
- Prime Visa · Chase Travel 5.0% 5%
- Sapphire Preferred 3.0% 2x
- Prime Visa 1.0% 1% base rate
Hotels
- Sapphire Preferred · Chase Travel 7.5% 5x
- Prime Visa · Chase Travel 5.0% 5%
- Sapphire Preferred 3.0% 2x
- Prime Visa 1.0% 1% base rate
Public transit
- Prime Visa 2.0% 2%
- Sapphire Preferred 1.5% 1x base rate
Rideshare & taxis
- Prime Visa 2.0% 2%
- Sapphire Preferred 1.5% 1x base rate
What the numbers are doing
Sapphire Preferred tops everything else at 1.5% only because this table values its points at 1.5 cents each. Value them at one cent and Prime Visa wins that category instead.
The table is earn rate only — annual fees are not netted out of it. These cards charge Prime Visa $0 and Sapphire Preferred $95 a year, so a thin lead in one category may not cover the difference.
Where they differ: Sapphire Preferred takes everything else, dining, gas and travel, plus 4 more; Prime Visa takes amazon, whole foods market, public transit and rideshare & taxis.
| Category | Best card |
|---|---|
| Everything else | Sapphire Preferred1.5% |
| Dining | Sapphire Preferred4.5% |
| Gas | Sapphire Preferred4.5% |
| Travel | Sapphire Preferred · Chase Travel7.5% |
| Streaming | Sapphire Preferred4.5% |
| Amazon | Prime Visa5.0% |
| Online grocery | Sapphire Preferred4.5% |
| Whole Foods Market | Prime Visa5.0% |
| Flights | Sapphire Preferred · Chase Travel7.5% |
| Hotels | Sapphire Preferred · Chase Travel7.5% |
| Public transit | Prime Visa2.0% |
| Rideshare & taxis | Prime Visa2.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Sapphire Preferred — 1.5%
- Prime Visa — 1.0%
Dining
- Sapphire Preferred — 4.5%
- Prime Visa — 2.0%
Gas
- Sapphire Preferred — 4.5%
- Prime Visa — 2.0%
Travel
- Sapphire Preferred · Chase Travel — 7.5%
- Prime Visa · Chase Travel — 5.0%
- Sapphire Preferred — 1.5%
- Prime Visa — 1.0%
Streaming
- Sapphire Preferred — 4.5%
- Prime Visa — 1.0%
Amazon
- Prime Visa — 5.0%
- Sapphire Preferred — 1.5%
Online grocery
- Sapphire Preferred — 4.5%
- Prime Visa — 1.0%
Whole Foods Market
- Prime Visa — 5.0%
- Sapphire Preferred — 1.5%
Flights
- Sapphire Preferred · Chase Travel — 7.5%
- Prime Visa · Chase Travel — 5.0%
- Sapphire Preferred — 3.0%
- Prime Visa — 1.0%
Hotels
- Sapphire Preferred · Chase Travel — 7.5%
- Prime Visa · Chase Travel — 5.0%
- Sapphire Preferred — 3.0%
- Prime Visa — 1.0%
Public transit
- Prime Visa — 2.0%
- Sapphire Preferred — 1.5%
Rideshare & taxis
- Prime Visa — 2.0%
- Sapphire Preferred — 1.5%
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