Disclosure: Basic Travel Couple, LLC has partnered with CardRatings for our coverage of credit card products. Basic Travel Couple, LLC and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
It’s no secret that we are big fans of Chase products. Chase Sapphire products being our favorite Travel Credit Card. Chase branded credit cards with their own point system, called Ultimate Rewards. The Ultimate Rewards have their own portal where you can book flights, hotels, and even car rentals or excursions. You can also transfer the points to multiple airlines/hotels. This makes these points SUPER versatile and we love collecting them. There are even a few business cards you can get with Chase to collect these points. You can check out our Top Credit Cards for more.
Join Our Basic Travel Facebook Group to Stay in the Loop on the Latest Travel & Finance News!
One thing to note is you cannot hold both the Chase Sapphire Reserve Card (CSR) and Chase Sapphire Preferred Card (CSP) at the same time. You also cannot get the bonus within 48 months of each other. So if you opened the CSR and recieved the welcome offer on January 1, 2019, you’d have to wait until February 2023 to open the CSP. You also would have to have close or downgrade your Sapphire product..
Chase Sapphire products are very similar in their benefits, however, depending on your travel and uses, will depend on which card you should hold. Lets break them both down.
Chase Sapphire Reserve
Chase Sapphire Reserve is the higher end of the two Sapphire products. Coming in with a whopping $550 Annual Fee is enough to scare most people away. However, we love it for many reasons. If you are an avid traveler that travels 4+ times per year, this card is the better option for you. Here are a few reasons why:
- $300 Travel Credit
- Priority Pass Airport Lounge Access
- Global Entry/TSA Pre Check
- 3x points on travel & dining; 1x everything else
50,000 welcome offerCurrently 60,000 welcome offer
Earn 60,000 Ultimate Rewards Points after you spend $4,000 on purchases in the first 3 months from account opening.
Visit our Top Credit Cards Page for our favorite cards!
Basic Travel Tips: This is one of our favorite travel cards as it has some of the best travel protection, as well as priority pass lounge access, rental car reimbursement, and more. You can learn more about this card here.
Chase Sapphire Preferred
We will get into the side-by-side comparison, but the Chase Sapphire Preferred Card offers a lower annual fee, and an elevated 80,000 welcome offer. Right now, this would be my go-to pick. It offers 20,000 more points for the same $4,000 spend, and it also comes with a $50 statement credit towards grocery store purchases.
- $95 Annual Fee
- 80,000 welcome offer after spending $4,000 in 3 months
- $50 statement credit towards grocery store purchases
- 2x points on travel & dining; 1x everything else
Side by side comparison of the differences
Both cards offer a variety of perks in regards to Travel Credits, however, there is one clear winner if you travel often. If you don’t plan on traveling much in the next year though, I’d opt for the Chase Sapphire Preferred first to get the higher welcome offer, then product change to the Chase Sapphire Reserve when your travel picks back up to utilize the other perks.
Both cards offer great travel benefits, while some of them vary a bit. Here are what is the same:
- Trip Cancellation Insurance– Up to $10,000 per covered trip
- Baggage Delay Insurance– up to $500 per day for 5 days
- Lost Luggage Reimbursement– Up to $3,000 per person (up to $500 per person for jewelry, watches, cameras, video recorders, and other electronic equipment)
- Extended Warranty Protection– Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Door Dash– Both cards currently offer 1-year subscription to Door Dash which gives you unlimited deliveries with $0 delivery fee and also a reduced service fee on orders over $12. Subscription must be activated by December 31, 2021.
*Please note: Please see Chase.com for more information on the terms and conditions of these cards*
Other Travel Protection
They both offer great travel benefits, but they have some slight variations. The Chase Sapphire Reserve is slightly better protection, but the Chase Sapphire Preferred still offers protection when you use the card to purchase travel.
A good thing to note: If you open one and decide you want the other, you can always product change after a year! Simply call and ask to be switched.
If you travel less than 3-4x per year, the Chase Sapphire Preferred is probably your best bet. However, if you travel more than that, I’d go for the Chase Sapphire Reserve. Priority Pass Lounge Access and TSA Precheck/Global Entry are well worth it. (Also note, if you get Global Entry, you also get TSA Precheck, so the better option is to just get both)
In our house, we each have one of the cards. Dave holds the CSR and I have CSP. Since I mostly travel with him, I also get to enjoy the Priority Pass Benefits.
Feel free to ask us any questions you have on the two below!
New to Travel Hacking? Check out the BASICS Below!
- Download our FREE Ultimate GUIDEBOOK To SUPER CHEAP Travel
- Basic Travel Hacking 101
- Travel Hacking 102
- Credit Scores 101
- Knowing the Rules
- 5/24 Status
- Top Credit Card Offers
- Earning Bonuses
- Expedited Airport Screening
- Cashback Sites
Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.