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Chase Credit Cards: Chase Sapphire Preferred VS Reserve Credit Cards

Choosing the right credit card depends wholly on what you need it for and in this article, you’ll learn about the Chase Sapphire Preferred vs Reserve credit cards and hopefully, you should be able to make a choice.

Chase credit cards have earned a reputable status in the competitive world of financial products, known for offering a diverse range of cards catering to various lifestyles and financial preferences. As a major player in the credit card industry, Chase provides options for individuals seeking rewards, travel perks, cash back, and more.

Now, the Chase Sapphire Preferred and the Chase Sapphire Reserve are popular credit cards offered by Chase.

While the Chase Sapphire preferred credit card is a popular choice among savvy travelers and those looking for a well-rounded rewards program. Let’s explore the key benefits that make it a compelling option.

  1. Generous Sign-Up Bonus
  2. Flexible Rewards Program
  3. Travel Protections
  4. No Foreign Transaction Fees

CHECK THIS OUT: Santander Credit Card UK – Benefits & How To Apply

The Chase Sapphire Reserve, on the other hand, is positioned as a premium card with enhanced benefits, especially for frequent travelers and individuals seeking a luxurious experience. Let’s see the distinguishing features of the Reserve below.

  1. High-End Travel Credits
  2. Lounge Access
  3. Higher Points Earning Rate
  4. Global Entry/TSA PreCheck Fee Credit

Chase Sapphire Preferred VS Reserve Credit Cards

Having seen the benefits of both cards, lets take a look at this comparison below;

Chase Sapphire Preferred

  • The Chase Sapphire Preferred typically has a lower annual fee compared to the Reserve.
  • It offers a generous signup bonus and earns points on travel and dining purchases.
  • Points can be redeemed through the Chase Ultimate Rewards portal for travel at a 25% bonus.
  • While it offers some travel protections, they are generally not as comprehensive as those offered by the Reserve.

Chase Sapphire Reserve

  • The Chase Sapphire Reserve has a higher annual fee but comes with more premium benefits.
  • It also provides a substantial signup bonus and earns points on travel and dining purchases.
  • Points can be redeemed through the Chase Ultimate Rewards portal at a 50% bonus, making them more valuable.
  • The Reserve comes with premium travel perks such as Priority Pass lounge access, a $300 annual travel credit, and better travel insurance coverage.

How To Apply: Chase Sapphire Preferred or Reserve

Applying for a Chase credit card, whether it’s the Sapphire Preferred or Sapphire Reserve, is a simple process. Simply follow these steps below to initiate your application.

  1. Visit the Chase Website at
  2. Navigate to the credit cards section, where you’ll find detailed information about each card, including their features and benefits.
  3. Take the time to compare the Sapphire Preferred and Sapphire Reserve to determine which aligns better with your lifestyle and preferences.
  4. Once you’ve chosen the card that suits your needs, click on the “Apply Now” button and you will be redirected to the online application form.
  5. Fill out the required information in the application form, including personal details, financial information, and employment details.
  6. Before submitting your application, carefully review the terms and conditions, including the annual fee, interest rates, and any introductory offers.
  7. Once you’ve completed the application and reviewed the terms, submit your application.

You will receive a confirmation and, in most cases, a decision on your application within a short period.

It’s as simple as that.

The Chase Sapphire Preferred vs Reserve credit card choice, ultimately depends on your individual preferences, lifestyle, and financial goals. Provided you know what you truly want, then you are good to go with your choice of card.

Meanwhile, if you have any questions about this article, feel free to use the comment box below.



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