Comparing Chase Sapphire Personal Cards

Chase has recently made changes to Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. Let’s break those down and see if one of these cards may be a good fit for you.

Point Earning

• 5x on Chase Travel^SM
• 3x on dining
• 2x on all other travel

Benefits/Credits

• Up to $50 in statement credits each year for hotel stays booked through Chase Travel℠
• Complimentary DashPass for a minimum of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Many travel insurances/protections, such as trip cancellation/interruption insurance, primary car rental insurance, lost luggage Insurance and more.
• 10% anniversary points boost – each year, you’ll earn bonus points equal to 10% of your total purchases made the previous year.

Point Earning

• 8x points on Chase Travel^SM
• 4x points on flights and hotels booked direct
• 3x points on dining
• 1x points on all other purchases

Card Benefits

Love credits? This card has them in spades. From dining, to travel, to entertainment and more.
I did a massive blog post detailing EVERY credit. AND included what the value was to me. Of course, this will be different for you. So here’s the overview:

Welcome offer eligibility

Chase Sapphire Reserve® and Chase Sapphire Preferred®: Card Eligibility Simplified

You can earn a bonus on each card, one time per card, regardless of whether you currently have an active card.

For example: If you have a Preferred card, you can apply for Reserve and receive the new account bonus.

What are these points worth?

Let me be very clear, Chase points are VERY valuable. Learn to transfer them to their MANY amazing transfer partners and they are the gold standard, fantastic.

But… if you want to use them in the Chase Travel portal, there’s now a pretty confusing “Points Boost”. Here’s what Chase says:
“Points Boost allows eligible cardmembers to redeem Ultimate Rewards points at a higher rate (up to 2x depending on the card and offer) when booking select airline tickets and hotel accommodations through Chase Travel. The program offers a range of rotating offers across flight classes and hotel properties. Cardmembers can use Points Boost to maximize the value of their points on premium air cabin tickets and hotels.”

MY TAKE: Transfer your Chase points to transfer partners for the best value 99% of the time.

Highlights of each card:

Chase Sapphire Preferred® Card

• Low annual fee is very important factor
• Love having travel protections
• Don’t need luxury travel credits
• OR already have a bunch of luxury travel cards and get credits via those cards

Chase Sapphire Reserve®

• You are fine paying large annual fee
• You LOVE luxury travel credits
• Love having travel protections

MY TAKE:
If you haven’t received the welcome offer on one/both of these cards, then it’s 100% worth getting that card. The welcome offers are large. And Chase points are my favorite.