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Chase Sapphire Preferred 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 Preferred 2.1% 1x base rate
  2. Sapphire Reserve 2.1% 1x base rate

Dining

  1. Sapphire Preferred 6.2% 3x
  2. Sapphire Reserve 6.2% 3x

Gas

  1. Sapphire Preferred 6.2% 3x
  2. Sapphire Reserve 2.1% 1x base rate

Travel

  1. Sapphire Preferred 4.1% 2x
  2. Sapphire Reserve 2.1% 1x base rate

Travel · portal

  1. Sapphire Reserve · Chase Travel 16.4% 8x
  2. Sapphire Preferred · Chase Travel 10.3% 5x

Streaming

  1. Sapphire Preferred 6.2% 3x
  2. Sapphire Reserve 2.1% 1x base rate

Online grocery

  1. Sapphire Preferred 6.2% 3x
  2. Sapphire Reserve 2.1% 1x base rate

Flights

  1. Sapphire Reserve 8.2% 4x
  2. Sapphire Preferred 4.1% 2x

Hotels

  1. Sapphire Reserve 8.2% 4x
  2. Sapphire Preferred 4.1% 2x

Rideshare & taxis

  1. Sapphire Preferred 4.1% 2x
  2. Sapphire Reserve 2.1% 1x base rate

Peloton

  1. Sapphire Reserve 20.5% 10x
  2. Sapphire Preferred 10.3% 5x

Lyft

  1. Sapphire Preferred 10.3% 5x
  2. Sapphire Reserve 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 $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Preferred takes gas, travel, streaming and online grocery, plus 1 more; Sapphire Reserve takes flights, hotels and peloton.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Preferred2.1%
DiningSapphire Preferred6.2%
GasSapphire Preferred6.2%
TravelSapphire Preferred4.1%
Travel · portalSapphire Reserve · Chase Travel16.4%
StreamingSapphire Preferred6.2%
Online grocerySapphire Preferred6.2%
FlightsSapphire Reserve8.2%
HotelsSapphire Reserve8.2%
Rideshare & taxisSapphire Preferred4.1%
PelotonSapphire Reserve20.5%
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. Sapphire Reserve — 2.1%

Dining

  1. Sapphire Preferred — 6.2%
  2. Sapphire Reserve — 6.2%

Gas

  1. Sapphire Preferred — 6.2%
  2. Sapphire Reserve — 2.1%

Travel

  1. Sapphire Preferred — 4.1%
  2. Sapphire Reserve — 2.1%

Travel · portal

  1. Sapphire Reserve · Chase Travel — 16.4%
  2. Sapphire Preferred · Chase Travel — 10.3%

Streaming

  1. Sapphire Preferred — 6.2%
  2. Sapphire Reserve — 2.1%

Online grocery

  1. Sapphire Preferred — 6.2%
  2. Sapphire Reserve — 2.1%

Flights

  1. Sapphire Reserve — 8.2%
  2. Sapphire Preferred — 4.1%

Hotels

  1. Sapphire Reserve — 8.2%
  2. Sapphire Preferred — 4.1%

Rideshare & taxis

  1. Sapphire Preferred — 4.1%
  2. Sapphire Reserve — 2.1%

Peloton

  1. Sapphire Reserve — 20.5%
  2. Sapphire Preferred — 10.3%

Lyft

  1. Sapphire Preferred — 10.3%
  2. Sapphire Reserve — 10.3%
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