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Chase Disney Inspire Visa 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. Disney Inspire Visa Card 1.0% 1x base rate

Dining

  1. Sapphire Reserve 6.2% 3x
  2. Disney Inspire Visa Card 2.0% 2x

Gas

  1. Disney Inspire Visa Card 3.0% 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. Disney Inspire Visa Card 1.0% 1x base rate

Hotels

  1. Sapphire Reserve 8.2% 4x
  2. Disney Inspire Visa Card 1.0% 1x base rate

Peloton

  1. Sapphire Reserve 20.5% 10x
  2. Disney Inspire Visa Card 1.0% 1x base rate

Lyft

  1. Sapphire Reserve 10.3% 5x
  2. Disney Inspire Visa Card 1.0% 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 Disney Inspire Visa Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Disney Inspire Visa Card $149 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; Disney Inspire Visa Card takes gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve2.1%
DiningSapphire Reserve6.2%
GasDisney Inspire Visa Card3.0%
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. Disney Inspire Visa Card — 1.0%

Dining

  1. Sapphire Reserve — 6.2%
  2. Disney Inspire Visa Card — 2.0%

Gas

  1. Disney Inspire Visa Card — 3.0%
  2. Sapphire Reserve — 2.1%

Travel · portal

  1. Sapphire Reserve · Chase Travel — 16.4%

Flights

  1. Sapphire Reserve — 8.2%
  2. Disney Inspire Visa Card — 1.0%

Hotels

  1. Sapphire Reserve — 8.2%
  2. Disney Inspire Visa Card — 1.0%

Peloton

  1. Sapphire Reserve — 20.5%
  2. Disney Inspire Visa Card — 1.0%

Lyft

  1. Sapphire Reserve — 10.3%
  2. Disney Inspire Visa Card — 1.0%
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