Updated
Chase Sapphire Preferred vs Chase Sapphire Reserve
By Joe
Compare up to three credit cards side by side. The table lists the annual fee, authorized user fee, foreign transaction fee, welcome offer, earn rates, credits, lounge access, transfer partners, protections, and notes for the cards you select. Every figure shown links to the issuer's own page and shows the date it was last checked.
Choose up to 3 cards
Side-by-side comparison: fees, earn rates, credits, lounges
Comparing Chase Sapphire Preferred vs Chase Sapphire Reserve.
Canonical guide: Chase Sapphire Preferred vs Chase Sapphire Reserve
| Field | Chase Sapphire Preferred | Chase Sapphire Reserve |
|---|---|---|
| Annual fee | $95 |
$795 |
| Authorized user fee | — Not listed |
$195 |
| Foreign transaction fee | $0 |
$0 |
| Welcome offer | Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening. This sentence is on the product page. A second Chase document did not restate it. It is not subtracted from the annual fee. Chase says offers may vary by where you apply. |
Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening. Chase says offers may vary by where you apply. This offer is not subtracted from the annual fee. |
| Earn rates | ||
| Credits |
|
|
| Lounge access | — Not listed |
Complimentary Chase Sapphire Lounges by The Club with up to 2 guests; Priority Pass Select membership to 1,300+ lounges with up to 2 guests ($27/additional guest); select Air Canada Maple Leaf Lounges |
| Transfer partners |
|
|
| Protections |
|
|
| Notes |
|
|
How to compare travel credit cards
Pick the cards you want to review. The tool lets you compare up to three at once. Choose them from the list and the table updates with one column for each card.
Read the rows from top to bottom. Start with the fees if cost matters most: the annual fee, the authorized user fee, and the foreign transaction fee. Move next to the welcome offer and the earn rates. Then look at the credits, lounge access, transfer partners, and protections.
Check the source dates that appear with every figure. When a detail could not be confirmed on the issuer's page, the cell shows a dash rather than a guess. Welcome offers change often and some are targeted to individual applicants. When an issuer doesn't publish one public offer, the tool doesn't show a number and points you to the issuer page instead.
Once the numbers are clear, open the full vs guide for any popular pair that has its own comparison page. Read the full vs guide for who each card suits.
Pair the tool with Roaming Cactus's monthly points valuations and points value calculator to judge what the points are worth. To look at more than three cards, run several comparisons.
FAQ
Which travel card has the best lounge access?
Amex Platinum has the broadest lounge access among these cards: Global Lounge Collection with access to over 1,550 airport lounges: Centurion Lounges, 10 Delta Sky Club visits when flying Delta, Priority Pass (enrollment required), and select partner lounges. Sapphire Reserve: Complimentary Chase Sapphire Lounges by The Club with up to 2 guests; Priority Pass Select membership to 1,300+ lounges with up to 2 guests ($27/additional guest); select Air Canada Maple Leaf Lounges Venture X: Primary cardholders: complimentary Capital One Lounges and Landings plus Priority Pass (enrollment required). Additional cardholders do not have complimentary access and may buy lounge access separately. Guest access is paid; high spenders may receive limited free guests. Amex Platinum: Global Lounge Collection with access to over 1,550 airport lounges: Centurion Lounges, 10 Delta Sky Club visits when flying Delta, Priority Pass (enrollment required), and select partner lounges Amex Gold: The American Express Gold Card does not currently have lounge access benefits. United Club Card: United Club membership for you and a guest; All Access membership unlocks at Premier Gold status or $50,000 in annual card spend Cards without a lounge access row in this tool: Sapphire Preferred, Venture Rewards.
Which travel card has the lowest annual fee?
The lowest annual fees listed are Sapphire Preferred ($95) and Venture Rewards ($95). Fees range up to $895 on the cards in the table.
Is Sapphire Reserve or Venture X better?
Sapphire Reserve carries a $795 annual fee; Venture X carries $395. Earn rates: Sapphire Reserve — 8x on Chase Travel (incl. The Edit), 4x on Flights booked direct with airlines, 4x on Hotels booked direct, 3x on Dining worldwide (incl. takeout and delivery), 1x on All other purchases; Venture X — 10x on Hotels and rental cars via Capital One Travel, 5x on Flights and vacation rentals via Capital One Travel, 5x on Capital One Entertainment, 2x on All other purchases. Lounge access: Sapphire Reserve — Complimentary Chase Sapphire Lounges by The Club with up to 2 guests; Priority Pass Select membership to 1,300+ lounges with up to 2 guests ($27/additional guest); select Air Canada Maple Leaf Lounges; Venture X — Primary cardholders: complimentary Capital One Lounges and Landings plus Priority Pass (enrollment required). Additional cardholders do not have complimentary access and may buy lounge access separately. Guest access is paid; high spenders may receive limited free guests. Read the full Chase Sapphire Reserve vs Venture X Rewards guide for who each card suits.
Can I compare more than 3 cards?
The tool compares up to three cards at a time using the comparison table on this page. To look at more than three, run several comparisons. Keep your favorite in one slot and swap the others so you can check each new card against the ones you already prefer. Each comparison still shows the source dates and links to the issuer pages. After you narrow the set, open the full vs guides for the pairs that matter most. Pair the results with Roaming Cactus's monthly points valuations and points value calculator to judge what the points are worth across the cards you keep.