pointslip milestomorrow.com

Chase Air Canada Aeroplan Card vs Sapphire Reserve

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Sapphire Reserve 2.1% 1x base rate
  2. Air Canada Aeroplan Card 1.5% 1x base rate

Dining

  1. Sapphire Reserve 6.2% 3x
  2. Air Canada Aeroplan Card 4.5% 3x

Groceries

  1. Air Canada Aeroplan Card 4.5% 3x
  2. Sapphire Reserve 2.1% 1x base rate

Gas

  1. Air Canada Aeroplan Card 3.0% 2x
  2. Sapphire Reserve 2.1% 1x base rate

Travel

  1. Air Canada Aeroplan Card 4.5% 3x
  2. Sapphire Reserve 2.1% 1x base rate

Travel · portal

  1. Sapphire Reserve · Chase Travel 16.4% 8x

Flights

  1. Sapphire Reserve 8.2% 4x
  2. Air Canada Aeroplan Card 4.5% 3x

Hotels

  1. Sapphire Reserve 8.2% 4x
  2. Air Canada Aeroplan Card 4.5% 3x

Peloton

  1. Sapphire Reserve 20.5% 10x
  2. Air Canada Aeroplan Card 1.5% 1x base rate

Lyft

  1. Sapphire Reserve 10.3% 5x
  2. Air Canada Aeroplan Card 1.5% 1x base rate

What the numbers are doing

Sapphire Reserve tops everything else at 2.1% only because this table values its points at 2.05 cents each. Value them at one cent and Air Canada Aeroplan Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Air Canada Aeroplan Card $195 and Sapphire Reserve $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve takes everything else, dining, flights and hotels, plus 2 more; Air Canada Aeroplan Card takes groceries, gas and travel.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve2.1%
DiningSapphire Reserve6.2%
GroceriesAir Canada Aeroplan Card4.5%
GasAir Canada Aeroplan Card3.0%
TravelAir Canada Aeroplan Card4.5%
Travel · portalSapphire Reserve · Chase Travel16.4%
FlightsSapphire Reserve8.2%
HotelsSapphire Reserve8.2%
PelotonSapphire Reserve20.5%
LyftSapphire Reserve10.3%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Sapphire Reserve — 2.1%
  2. Air Canada Aeroplan Card — 1.5%

Dining

  1. Sapphire Reserve — 6.2%
  2. Air Canada Aeroplan Card — 4.5%

Groceries

  1. Air Canada Aeroplan Card — 4.5%
  2. Sapphire Reserve — 2.1%

Gas

  1. Air Canada Aeroplan Card — 3.0%
  2. Sapphire Reserve — 2.1%

Travel

  1. Air Canada Aeroplan Card — 4.5%
  2. Sapphire Reserve — 2.1%

Travel · portal

  1. Sapphire Reserve · Chase Travel — 16.4%

Flights

  1. Sapphire Reserve — 8.2%
  2. Air Canada Aeroplan Card — 4.5%

Hotels

  1. Sapphire Reserve — 8.2%
  2. Air Canada Aeroplan Card — 4.5%

Peloton

  1. Sapphire Reserve — 20.5%
  2. Air Canada Aeroplan Card — 1.5%

Lyft

  1. Sapphire Reserve — 10.3%
  2. Air Canada Aeroplan Card — 1.5%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.