Chase Sapphire Preferred vs Sapphire Reserve for Business
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Sapphire Preferred 2.1% 1x base rate
- Sapphire Reserve for Business 2.1% 1x base rate
Dining
- Sapphire Preferred 6.2% 3x
- Sapphire Reserve for Business 2.1% 1x base rate
Gas
- Sapphire Preferred 6.2% 3x
- Sapphire Reserve for Business 2.1% 1x base rate
Travel
- Sapphire Preferred 4.1% 2x
- Sapphire Reserve for Business 2.1% 1x base rate
Travel · portal
- Sapphire Reserve for Business · Chase Travel 16.4% 8x
- Sapphire Preferred · Chase Travel 10.3% 5x
Streaming
- Sapphire Preferred 6.2% 3x
- Sapphire Reserve for Business 2.1% 1x base rate
Advertising
- Sapphire Reserve for Business 6.2% 3x
- Sapphire Preferred 2.1% 1x base rate
Online grocery
- Sapphire Preferred 6.2% 3x
- Sapphire Reserve for Business 2.1% 1x base rate
Flights
- Sapphire Reserve for Business 8.2% 4x
- Sapphire Preferred 4.1% 2x
Hotels
- Sapphire Reserve for Business 8.2% 4x
- Sapphire Preferred 4.1% 2x
Rideshare & taxis
- Sapphire Preferred 4.1% 2x
- Sapphire Reserve for Business 2.1% 1x base rate
Peloton
- Sapphire Preferred 10.3% 5x
- Sapphire Reserve for Business 2.1% 1x base rate
Lyft
- Sapphire Preferred 10.3% 5x
- Sapphire Reserve for Business 10.3% 5x
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge Sapphire Preferred $95 and Sapphire Reserve for Business $795 a year, so a thin lead in one category may not cover the difference.
Where they differ: Sapphire Preferred takes dining, gas, travel and streaming, plus 3 more; Sapphire Reserve for Business takes advertising, flights and hotels.
| Category | Best card |
|---|---|
| Everything else | Sapphire Preferred2.1% |
| Dining | Sapphire Preferred6.2% |
| Gas | Sapphire Preferred6.2% |
| Travel | Sapphire Preferred4.1% |
| Travel · portal | Sapphire Reserve for Business · Chase Travel16.4% |
| Streaming | Sapphire Preferred6.2% |
| Advertising | Sapphire Reserve for Business6.2% |
| Online grocery | Sapphire Preferred6.2% |
| Flights | Sapphire Reserve for Business8.2% |
| Hotels | Sapphire Reserve for Business8.2% |
| Rideshare & taxis | Sapphire Preferred4.1% |
| Peloton | Sapphire Preferred10.3% |
| Lyft | Sapphire 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
- Sapphire Preferred — 2.1%
- Sapphire Reserve for Business — 2.1%
Dining
- Sapphire Preferred — 6.2%
- Sapphire Reserve for Business — 2.1%
Gas
- Sapphire Preferred — 6.2%
- Sapphire Reserve for Business — 2.1%
Travel
- Sapphire Preferred — 4.1%
- Sapphire Reserve for Business — 2.1%
Travel · portal
- Sapphire Reserve for Business · Chase Travel — 16.4%
- Sapphire Preferred · Chase Travel — 10.3%
Streaming
- Sapphire Preferred — 6.2%
- Sapphire Reserve for Business — 2.1%
Advertising
- Sapphire Reserve for Business — 6.2%
- Sapphire Preferred — 2.1%
Online grocery
- Sapphire Preferred — 6.2%
- Sapphire Reserve for Business — 2.1%
Flights
- Sapphire Reserve for Business — 8.2%
- Sapphire Preferred — 4.1%
Hotels
- Sapphire Reserve for Business — 8.2%
- Sapphire Preferred — 4.1%
Rideshare & taxis
- Sapphire Preferred — 4.1%
- Sapphire Reserve for Business — 2.1%
Peloton
- Sapphire Preferred — 10.3%
- Sapphire Reserve for Business — 2.1%
Lyft
- Sapphire Preferred — 10.3%
- Sapphire Reserve for Business — 10.3%
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