Chase Sapphire Preferred vs Chase Sapphire Reserve
Chase Sapphire Preferred earns more on gas, streaming, travel and transit; Chase Sapphire Reserve earns more on airfare and hotels.
- Updated October 16, 2026
- 12 categories compared
- No sponsored picks
Which one suits you
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Pick it if
Most of your spending is on gas, streaming, travel and transit.
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Pick it if
Most of your spending is on airfare and hotels.
Chase Sapphire Reserve costs $700 more a year. On airfare it earns $3.00 more per $100, so it makes up the difference after about $23,300 a year of airfare.
Rates change, so verify them with the issuer before you apply.
Category by category
What each card earns on a $100 purchase, with points at typical values and every bonus cap unused.
| Category | Chase Sapphire Preferred | Chase Sapphire Reserve | Earns more |
|---|---|---|---|
| Dining | $4.50 4.5% | $4.50 4.5% | Tie |
| Groceries | $1.50 1.5% | $1.50 1.5% | Tie |
| Gas | $4.50 4.5% | $1.50 1.5% | Chase Sapphire Preferred (+$3.00) |
| Travel | $3.00 3% | $1.50 1.5% | Chase Sapphire Preferred (+$1.50) |
| Airfare | $3.00 3% | $6.00 6% | Chase Sapphire Reserve (+$3.00) |
| Hotels | $3.00 3% | $6.00 6% | Chase Sapphire Reserve (+$3.00) |
| Transit | $3.00 3% | $1.50 1.5% | Chase Sapphire Preferred (+$1.50) |
| Streaming | $4.50 4.5% | $1.50 1.5% | Chase Sapphire Preferred (+$3.00) |
| Drugstores | $1.50 1.5% | $1.50 1.5% | Tie |
| Online shopping | $1.50 1.5% | $1.50 1.5% | Tie |
| Wholesale clubs | $1.50 1.5% | $1.50 1.5% | Tie |
| Everything else | $1.50 1.5% | $1.50 1.5% | Tie |
| Annual fee | $95 | $795 |