Sapphire Preferred vs Sapphire Reserve
Sapphire Preferred
$95/yr
8.0/10
VS
Sapphire Reserve
$795/yr
7.0/10
Quick Answer
Sapphire Preferred charges $95/yr with 1X base rewards. Sapphire Reserve charges $795/yr with 1X base rewards. Sapphire Preferred offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Sapphire Preferred
Lower annual fee ($95 vs $795)
Rewards Earning
Sapphire Preferred
6 earning categories
Benefits & Protection
Sapphire Reserve
12 benefits vs 6
Statement Credits
Sapphire Reserve
$2348 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Sapphire Preferred wins for most people
The $700 fee difference is hard to justify unless you maximize premium benefits.
Apply for Sapphire PreferredPREMIUM PICK
Sapphire Reserve wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire ReserveRewards Earning: Detailed Comparison
Sapphire Preferred
| Travel via Chase Portal | 5.0X |
| Dining | 3.0X |
| Online Grocery | 3.0X |
| Streaming | 3.0X |
| Other Travel | 2.0X |
| Everything Else | 1.0X |
Sapphire Reserve
| Chase Travel purchases including The Edit | 8.0X |
| Flights booked directly with airlines | 4.0X |
| Hotels booked directly | 4.0X |
| Dining worldwide | 3.0X |
| All other purchases | 1.0X |
Card Benefits: Detailed Comparison
Sapphire Preferred (6 benefits)
- Trip Cancellation Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Warranty Protection (up to $10,000)
Sapphire Reserve (12 benefits)
- Emergency Medical and Dental (up to $2,500)
- Lost Luggage Reimbursement (up to $3,000)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Primary Auto Rental Coverage (up to $75,000)
- Purchase Protection (up to $10,000)
- Extended Warranty Protection
- Emergency Evacuation/Transportation (up to $100,000)
- Priority Pass Select + Chase Sapphire Lounges (up to $469)
- Global Entry/TSA PreCheck/NEXUS Credit (up to $120)
- IHG One Rewards Platinum Elite Status