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Chase Sapphire Preferred vs Sapphire Reserve

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Sapphire Preferred 1.5% 1x base rate
  2. Sapphire Reserve 1.5% 1x base rate

Dining

  1. Sapphire Preferred 4.5% 3x
  2. Sapphire Reserve 4.5% 3x

Gas

  1. Sapphire Preferred 4.5% 3x
  2. Sapphire Reserve 1.5% 1x base rate

Travel

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Sapphire Preferred · Chase Travel 7.5% 5x
  3. Sapphire Preferred 1.5% 1x base rate
  4. Sapphire Reserve 1.5% 1x base rate

Streaming

  1. Sapphire Preferred 4.5% 3x
  2. Sapphire Reserve 1.5% 1x base rate

Online grocery

  1. Sapphire Preferred 4.5% 3x
  2. Sapphire Reserve 1.5% 1x base rate

Flights

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Sapphire Preferred · Chase Travel 7.5% 5x
  3. Sapphire Reserve 6.0% 4x
  4. Sapphire Preferred 3.0% 2x

Hotels

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Sapphire Preferred · Chase Travel 7.5% 5x
  3. Sapphire Reserve 6.0% 4x
  4. Sapphire Preferred 3.0% 2x

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Sapphire Preferred $95 and Sapphire Reserve $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Preferred takes gas, streaming and online grocery; Sapphire Reserve takes travel, flights and hotels.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Preferred1.5%
DiningSapphire Preferred4.5%
GasSapphire Preferred4.5%
TravelSapphire Reserve · Chase Travel12.0%
StreamingSapphire Preferred4.5%
Online grocerySapphire Preferred4.5%
FlightsSapphire Reserve · Chase Travel12.0%
HotelsSapphire Reserve · Chase Travel12.0%

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

  1. Sapphire Preferred — 1.5%
  2. Sapphire Reserve — 1.5%

Dining

  1. Sapphire Preferred — 4.5%
  2. Sapphire Reserve — 4.5%

Gas

  1. Sapphire Preferred — 4.5%
  2. Sapphire Reserve — 1.5%

Travel

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Sapphire Preferred · Chase Travel — 7.5%
  3. Sapphire Preferred — 1.5%
  4. Sapphire Reserve — 1.5%

Streaming

  1. Sapphire Preferred — 4.5%
  2. Sapphire Reserve — 1.5%

Online grocery

  1. Sapphire Preferred — 4.5%
  2. Sapphire Reserve — 1.5%

Flights

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Sapphire Preferred · Chase Travel — 7.5%
  3. Sapphire Reserve — 6.0%
  4. Sapphire Preferred — 3.0%

Hotels

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Sapphire Preferred · Chase Travel — 7.5%
  3. Sapphire Reserve — 6.0%
  4. Sapphire Preferred — 3.0%

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