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Chase Prime Visa vs Sapphire Preferred

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 Preferred 2.1% 1x base rate
  2. Prime Visa 1.0% 1% base rate

Dining

  1. Sapphire Preferred 6.2% 3x
  2. Prime Visa 2.0% 2%

Gas

  1. Sapphire Preferred 6.2% 3x
  2. Prime Visa 2.0% 2%

Travel

  1. Sapphire Preferred 4.1% 2x
  2. Prime Visa 1.0% 1% base rate

Travel · portal

  1. Sapphire Preferred · Chase Travel 10.3% 5x
  2. Prime Visa · Chase Travel 5.0% 5%

Streaming

  1. Sapphire Preferred 6.2% 3x
  2. Prime Visa 1.0% 1% base rate

Amazon

  1. Prime Visa 5.0% 5%
  2. Sapphire Preferred 2.1% 1x base rate

Online grocery

  1. Sapphire Preferred 6.2% 3x
  2. Prime Visa 1.0% 1% base rate

Whole Foods Market

  1. Prime Visa 5.0% 5%
  2. Sapphire Preferred 2.1% 1x base rate

Rideshare & taxis

  1. Sapphire Preferred 4.1% 2x
  2. Prime Visa 2.0% 2%

Peloton

  1. Sapphire Preferred 10.3% 5x
  2. Prime Visa 1.0% 1% base rate

Lyft

  1. Sapphire Preferred 10.3% 5x
  2. Prime Visa 2.0% 2%

What the numbers are doing

Sapphire Preferred tops everything else at 2.1% only because this table values its points at 2.05 cents each. Value them at one cent and Prime Visa wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Prime Visa $0 and Sapphire Preferred $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Preferred takes everything else, dining, gas and travel, plus 5 more; Prime Visa takes amazon and whole foods market.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Preferred2.1%
DiningSapphire Preferred6.2%
GasSapphire Preferred6.2%
TravelSapphire Preferred4.1%
Travel · portalSapphire Preferred · Chase Travel10.3%
StreamingSapphire Preferred6.2%
AmazonPrime Visa5.0%
Online grocerySapphire Preferred6.2%
Whole Foods MarketPrime Visa5.0%
Rideshare & taxisSapphire Preferred4.1%
PelotonSapphire Preferred10.3%
LyftSapphire Preferred10.3%

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 Preferred — 2.1%
  2. Prime Visa — 1.0%

Dining

  1. Sapphire Preferred — 6.2%
  2. Prime Visa — 2.0%

Gas

  1. Sapphire Preferred — 6.2%
  2. Prime Visa — 2.0%

Travel

  1. Sapphire Preferred — 4.1%
  2. Prime Visa — 1.0%

Travel · portal

  1. Sapphire Preferred · Chase Travel — 10.3%
  2. Prime Visa · Chase Travel — 5.0%

Streaming

  1. Sapphire Preferred — 6.2%
  2. Prime Visa — 1.0%

Amazon

  1. Prime Visa — 5.0%
  2. Sapphire Preferred — 2.1%

Online grocery

  1. Sapphire Preferred — 6.2%
  2. Prime Visa — 1.0%

Whole Foods Market

  1. Prime Visa — 5.0%
  2. Sapphire Preferred — 2.1%

Rideshare & taxis

  1. Sapphire Preferred — 4.1%
  2. Prime Visa — 2.0%

Peloton

  1. Sapphire Preferred — 10.3%
  2. Prime Visa — 1.0%

Lyft

  1. Sapphire Preferred — 10.3%
  2. Prime Visa — 2.0%
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