Should You Have A Chase Sapphire Reserve Or Sapphire Preferred? View The Full Comparison Chart And Vote In The Poll!

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The Chase Sapphire Reserve card took the miles and credit card world by storm when it was introduced in 2016. People love the card and 90% of cardholders kept it for a second year!

But its less flashy sibling, the Chase Sapphire Preferred card, is no slouch.

Click Here to get more details on these cards and compare to other cards!

While the Sapphire Reserve’s $450 annual fee looks daunting at first glance, the effective annual fee is actually just $55 more than Sapphire Preferred’s $95 annual fee. That’s due to the $300 annual travel credit on the Sapphire Reserve that automatically refunds up to $300 in annual airfare, car rentals, hotels, cruises, Airbnb, subways, trains, taxis, Uber, tolls, parking, and even UberEats food delivery. Here are just some of the items that qualify for the credit. It’s not hard at all to take advantage of the $300 credit (you can always get travel gift cards if you didn’t spend the full amount) so the effective annual fee is actually $150.

Having one card or the other is practically a requirement to maximize your miles, but there’s no reason to have both cards. Which card is right for you? Is Sapphire Reserve worth the extra $55 over Sapphire Preferred?

Here’s a comparison chart that illustrates their strengths and weaknesses.

 Sapphire PreferredSapphire Reserve
Signup bonus50K points for spending $4,000 in 3 months, plus 5K points for adding an additional user50K points for spending $4,000 in 3 months
Annual Fee$0 for the first year, then $95$450
Allows you to transfer Chase points from any card to airline milesYesYes
Value of points towards paid airfare, hotels, car rentals, cruises, and activities1.25 cents 1.5 cents
Additional Cardholder Fee$0$75
Annual Travel Credit (Airfare, hotels, car rentals, Uber, etc) $0$300
Points earned on travel (Airfare, hotels, car rentals, Uber, etc) 2 per dollar3 per dollar
Points earned on dining2 per dollar3 per dollar
Priority Pass membership NonePrimary and secondary cardholders can bring themselves and 2 free guests into a lounge
$100 Global Entry/Pre-Check Fee Refund
NoneOnce every 4 years for Primary cardholder
Foreign transaction fee NoneNone
Worldwide Car Rental CDW CoveragePrimary coveragePrimary coverage
Roadside AssistanceAvailable for a $59.95 chargeFree battery boost, flat tire service, 2 gallons of fuel delivery, towing, or lockout assistance
Purchase Protection for items damaged or stolen within 120 days$500 per item$10,000 per item
Extended Warranty Protection1 extra year for items up to $10,0001 extra year for items up to $10,000
Trip Cancellation/Trip Interruption Insurance$10,000 per trip or $20,000 per trip with multiple travelers$10,000 per trip or $20,000 per trip with multiple travelers
Return Protection
None.$500/item up to $1,000/year
Lost Luggage Insurance$3,000 per person per trip (limit of $500 per person for jewelry, watches, and electronics)$3,000 per person per trip (limit of $500 per person for jewelry, watches, and electronics)
Trip Delay Reimbursement$500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 12 hours.$500 per person for reasonable expenses (Hotel, food, medicine, etc) required for delays more than 6 hours.
Baggage Delay Reimbursement$100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, cell phone charger, etc) required for delays more than 6 hours.$100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, cell phone charger, etc) required for delays more than 6 hours.
Travel Accident Insurance$500,000 per person
$1,000,000 per person
Emergency Evacuation and Transportation due to injury or illness on a tripNone
$100,000 for trips between 5-60 days, more than 100 miles from your home
Repatriation of Remains InsuranceNone
$1,000 for a coffin and to return your body to your home country if you die on a vacation
Emergency Medical and Dental BenefitNone
$2,500 for medical expenses on trips between 5-60 days, more than 100 miles from your home

You can view the full details about the Sapphire Reserve’s protections here and Sapphire Preferred’s protections here.

In short, assuming you’ll use the $300 travel credit, the extra $55/year of Sapphire Reserve over Sapphire Preferred gets you:

  • Priority Pass lounge membership with access to over 1,000 lounges with unlimited guests
    • I’ve used this to access the Art & Lounge in Newark, where they have kosher food and wine, without even needing a boarding pass! The lounge is located in Newark Terminal B before security.
  • Triple points on dining and travel
    • Combined with the travel protections this card offers, it’s a no-brainer to put all travel charges on the Sapphire Reserve.
  • Global Entry/Pre-Check membership
    • Makes flying domestically and internationally so much easier and less stressful!
  • Roadside assistance
    • I’ve taken advantage of this several times for assistance when my car got stuck or the battery needed a jump.
  • Trip delay reimbursement starting from a 6 hour delay
  • Medical coverage and evacuation coverage while traveling
  • 120 days of Purchase protection for items up to $10,000
  • The ability to redeem all of your Chase points at a value of 1.5 cents each for travel, including airfare, car rentals, hotels, and activities. That makes the 50K signup bonus alone worth a minimum of $750.
    • This means you can use just 3.1K points to fly one-way from NYC to Florida:

 

7.5K points to fly one-way coast to coast:

 

29K points round-trip from NYC to Rome:

 

Or 35.8K points to fly round-trip from Boston or Chicago to Israel:

 

I’d say that those benefits make the Sapphire Reserve a no-brainer, but share your thoughts in the comments and vote below:

Do You Have A Sapphire Preferred Or Sapphire Reserve Card?

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All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.

154 Comments
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Is the reserve still worth it with the increase to $550 and only getting $300 in travel credit?
TBH I only travel 1 to max 2 times per year between Israel and America.

Another question, what makes the additional $75 for the additional cardholder worth it? What’s the payout on that one That makes that worth it?

I am just curious, if I get sapphire preferred, canned that travel medical coverage be used for my children? Who are in Yeshivas around the country? Or only for the primary and secondary card holders?

its a really good card. its well worth it. the rewards are amazing. i would say go with the preferred unless you travel allot or book hotels and the like then reserve is really the better card.

hi whats the best way to redeem my case sapphire?i want to go to Israel I have like 70k points?

Hi Dan, Thanks for all your great help I just switched from the preferred to the reserve I thought it would also give me an upgraded status at some of the Rental car companies however I can’t seem to find that on the benefit list just discounts at time of rental. Would you be able to help me with this?
Thanks a lot

i saw on chase web site that the sign up bonus for the reserve is only for customers which don’t have any other sapphire card, i do have the sapphire preferred card, do i need to stop it before applying for the reserve card ? or i can just call them to change the same card ? (i have done like that with my amex card, or maybe by chase doesn’t work like that ?)

Put my chase card into the rainbow room for a wedding in nyc. First time got my triple points for the deposit 30,000 . Next payment $ 60,000 only got 1 point last payment 40,000 again got only 1 point . They said it’s personal services. I really think this is dining. Any recommendations

I got a letter from chase that they going to close my account in 60 days from the letter due to inactivity ; its saying that you may use your card until it closes, BUT USING YOUR CARD WONT KEEP IT OPEN.
can anyone help me about that??

Same thing happened to me. I called Chase and asked them to keep the card open. No problem, they were happy to do so.

i got the reserve for the 100,000 points (which we used for a trip to israel) and the two travel credits (prepaid ez pass) in the first year then downgraded to the freedom. we don’t plan on doing major travel anytime soon is there a reason for my wife to get the reserve now over the preferred now that they’re both 50k

is there a United Chase Reserve?I have a UnitedPlus Explorer and use it to qualify for my gold status. I travel exclusively on United to Israel and Florida.

No brainer for all travel expenses? If I use an airline card I get free luggage. I use up the $300 travel costs other ways.

the amex ascend that offers 10 free visits annually on piority pass does the primary cardholer/ piority pass cardholder have to be the one to check in? or other random people that are unrealted to the primary can use it without him being here? if not can you bring your wife or friends with you into the lounge

Is it easy to get accepted to global entry or do you need to be a frequent flyer to get accepted??

So basically, it’s pretty tough ;)

I have both sapphire cards but I’m giving up the preferred because the reserve is by far a better card. With all the benefits, I got back the extra $55 in annual fees many many times. I think it is the best point card available.

is it possible to have both cards at the same time?

Yes

You can’t currently apply for another card in the Sapphire family if you already possess one. Most people on this forum had both long before that rule, though.

I have the CSP, just for 2 months. If I switch to CSR, would I forfeit my first year ($95) free on the CSP?

Yes. Anyway, you can’t get the bonus for the CSR by upgrading, so you should close/downgrade the Preferred and sign up for the Reserve afterwards.

The CSP offers ״Primary coverage “ On Car Rentals – preventing any collision claim from going own car insurance – the CSR only offers ״Secondary Coverage״.

this one seals the deal:

$1,000 for a coffin and to return your body to your home country if you die on a vacation