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Chase Sapphire Reserve vs Chase Sapphire Preferred

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Chase Sapphire Preferred leads by 9.5 pts. Scores: Chase Sapphire Reserve 63.9%, Chase Sapphire Preferred 73.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Chase Sapphire Reserve nets −$439/yr, Chase Sapphire Preferred nets $233/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeReserve: 1.0 · Preferred: 8.0
• Rewards rateReserve: 6.5 · Preferred: 6.0
• Sign-up bonusReserve: 10 · Preferred: 10
• Intro 0% APRReserve: 0.0 · Preferred: 0.0
• Regular APRReserve: 7.2 · Preferred: 7.4
• Foreign transaction feeReserve: 10.0 · Preferred: 10.0
• Regulatory record (CFPB)Reserve: 10.0 · Preferred: 10.0

Downsides

• Chase Sapphire Reserve63.9%
  Chase · travel
  Annual fee $795APR 19.74%–28.24% variableRewards 8x Chase Travel; 4x flights & hotels booked direct; 3x dining; 1x otherCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ $795 annual fee · APR up to 28.24% if you carry a balance · Penalty APR up to 29.99%

• Chase Sapphire Preferred73.4%
  Chase · travel
  Annual fee $95APR 19.49%–27.74% variableRewards 5x Chase Travel; 3x dining, gas/EV, streaming & online groceries; 2x other travel; 1x otherCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ $95 annual fee · APR up to 27.74% if you carry a balance · Penalty APR up to 29.99%

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Chase Sapphire Reserve or Chase Sapphire Preferred?

On VaultRubric's rubric: Chase Sapphire Preferred scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.