Is the Chase Sapphire Preferred or Reserve Worth It?

Comparing Chase’s Flagship Travel Cards: Sapphire Preferred vs. Reserve

When it comes to travel credit cards, Chase’s Sapphire line stands out as a go-to choice for both beginner and seasoned travelers. The two leading options — Chase Sapphire Preferred Card and Chase Sapphire Reserve—offer valuable rewards, strong travel protections, and flexible points redemption through Chase Ultimate Rewards. But how do you know which one is right for you?

In an increasingly crowded credit card market, these two cards have remained popular due to their powerful features and broad appeal. Whether you’re a casual vacationer or a frequent flyer chasing five-star experiences, the right choice could mean more savings, better perks, and a smoother journey overall.

Understanding the Sapphire Legacy

A Brief History and Core Features

The Chase Sapphire Preferred launched in 2009 and quickly became a favorite for travelers seeking strong rewards and low fees. The Reserve followed in 2016 with premium travel perks and luxury appeal. Both cards earn Chase Ultimate Rewards points, which are highly regarded for their flexibility and strong transfer partners.

Key features of both cards include:

• 2x or more points per dollar on travel and dining
• Points worth more when redeemed for travel through Chase
• Access to transfer points to airline and hotel partners

While the Sapphire Preferred is ideal for those just starting to earn travel rewards, the Sapphire Reserve targets users looking for elevated experiences and are willing to pay more for them.

What Sets Them Apart

Here’s where the cards begin to differ:

• Annual Fee: $95 for the Preferred vs. $550 for the Reserve
• Point Value: Points are worth 25% more with Preferred and 50% more with Reserve when redeemed through Chase Travel
• Travel Credit: Reserve includes a $300 annual travel credit, which offsets the higher annual fee
• Airport Lounge Access: Only the Reserve offers Priority Pass™ Select membership

For example, a traveler who books $1,000 in flights annually through Chase would see their points worth $1,250 with Preferred and $1,500 with Reserve—already a clear advantage if you’re maximizing your redemptions.

How Each Card Fits Your Travel Style

Snapshot Comparison to Guide Your Choice

Both cards are valuable, but choosing the right one depends on how you spend and travel. Here's a quick side-by-side:

Sapphire Preferred:

• Lower annual fee
• Great starter travel card
• 3x points on dining, 2x on travel
• 10% anniversary point bonus
• No lounge access

Sapphire Reserve:

• Premium card with luxury benefits
• 3x points on travel and dining
• $300 travel credit every year
• 50% more value when redeeming points for travel
• Priority Pass™ lounge access

If you don’t travel often or prefer simplicity, the Preferred may be the smarter pick. But if you travel frequently and want top-tier perks, the Reserve can easily justify its higher fee.

Why the Sapphire Cards Shine in a Competitive Market

What truly makes these cards attractive is the flexibility of Chase Ultimate Rewards. You can transfer points at a 1:1 ratio to top programs like United MileagePlus, World of Hyatt, and Air Canada Aeroplan. This opens the door to premium cabin flights, luxury hotel stays, and more.

In addition, both cards offer robust travel and purchase protections—trip cancellation/interruption insurance, auto rental collision coverage, and no foreign transaction fees, to name a few. The Reserve goes even further, offering higher reimbursement caps and extra coverage types.

These features make the Sapphire cards not just reward-focused, but also reliable companions when plans don’t go smoothly.

Ready to Choose Your Sapphire?

Whether you choose the Chase Sapphire Preferred or the Reserve, both cards offer excellent value for travelers at different stages of their journey. Think about your travel habits, how much you spend, and the perks that matter most.

One card keeps it simple and affordable. The other elevates your travel with premium benefits. Either way, you’re backed by one of the most rewarding programs in the credit card world.

Have experience with either card? Share your thoughts and tips with other travelers—or explore Chase’s website to apply and see which Sapphire shines brighter for you.

Sam Smith