Every of Chase’s private Sapphire playing cards earns helpful Chase Final Rewards factors.
Whereas the mid-tier Chase Sapphire Most well-liked® Card (see charges and charges) and premium Chase Sapphire Reserve® (see charges and charges) are in the identical household, the 2 playing cards diverge in advantages, incomes charges and annual charges.
The Sapphire Reserve provides many perks in alternate for a excessive $795 annual price, whereas the Sapphire Most well-liked is an easier choice for $95 a yr.
Contemplate your journey model and total factors and miles technique earlier than selecting. Let’s evaluate.
Sapphire Most well-liked vs. Reserve comparability
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Card |
Sapphire Most well-liked |
Sapphire Reserve |
|---|---|---|
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$95 |
$795 |
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(Purchases that qualify for the annual $300 journey credit score is not going to earn factors.) |
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Earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. |
Examine your eligibility (with no affect in your credit score rating) to see in case you’re focused for an elevated provide to earn as much as 175,000 factors after spending $6,000 within the first three months. (This provide is barely accessible by way of this software.)
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|
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|
|
None |
|
|
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Licensed person annual price
|
$0 |
$195 for every person |
Sapphire Most well-liked vs. Reserve welcome bonus
New candidates for the Sapphire Reserve can verify their eligibility to see in the event that they’re focused for an elevated provide to earn as much as 175,000 factors after spending $6,000 within the first three months. (It’s essential to verify to see in case you’re eligible for the 175,000-point provide by way of the Chase prequalification widget. There isn’t a affect in your credit score rating. This provide is barely accessible by way of this software.)
These factors are price as much as $3,588, in accordance with TPG’s December 2025 valuations. (The usual public provide is 125,000 factors for a similar spending requirement.)
In the meantime, you may earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening with the Sapphire Most well-liked. That is price $1,538 when contemplating TPG’s December 2025 valuations.
You possibly can maintain each the Sapphire Reserve and Sapphire Most well-liked, however there are restrictions that will make some new candidates ineligible for bonus provides.
In case you’ve beforehand earned a bonus on the Sapphire Reserve, you nearly definitely will not be eligible for a second bonus on the Sapphire Reserve. In case you beforehand earned a bonus on a Sapphire Most well-liked, you nearly positively can be ineligible for a second bonus on the Sapphire Most well-liked.
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It is necessary to recollect Chase’s 5/24 rule when making use of for one of many issuer’s playing cards.
Winner: Sapphire Reserve. You might be focused for a a lot increased provide than what the Sapphire Most well-liked supplies.
Sapphire Most well-liked vs. Reserve advantages
The Sapphire Most well-liked and Sapphire Reserve are separated most distinctly by their advantages. Let’s break down what you may anticipate.
With the $95 Sapphire Most well-liked, you may obtain:
- Anniversary factors bonus: 10% annually
- Annual resort credit score: $50 resort credit score while you ebook by means of Chase Journey
- DoorDash advantages: Complimentary DoorDash DashPass subscription for no less than one yr (while you activate by Dec. 31, 2027) and $10 in month-to-month credit ($120 yearly) for nonrestaurant purchases
The $795 Sapphire Reserve supplies:
- Apple Music and Apple TV+: As much as $288 yearly for subscriptions (one-time activation for each providers is required; by means of June 22, 2027)
- DoorDash: As much as $25 in month-to-month promos plus no less than one complimentary yr of DashPass (activate by Dec. 31, 2027)
- World Entry, TSA PreCheck or Nexus: As much as $120 in credit each 4 years
- Lyft: As much as $120 yearly (as much as $10 every month; by means of Sept. 30, 2027; doesn’t apply to Wait & Save, bike or scooter rides)
- OpenTable: As much as $300 yearly (cut up into two up-to-$150 biannual credit) for eating at Sapphire Reserve Unique Tables eating places (no prepayment, cost or reservation by means of OpenTable required)
- Peloton subscriptions: As much as $120 yearly for Peloton subscriptions by means of Dec. 31, 2027
- StubHub/Viagogo: As much as $300 yearly (cut up into two up-to-$150 biannual credit; by means of Dec. 31, 2027)
- The Edit: As much as $500 yearly (cut up into two up-to-$250 biannual credit) for pay as you go The Edit bookings (of two nights or extra)
- Journey: As much as $300 towards all journey purchases
You possibly can obtain further advantages after spending $75,000 on the Sapphire Reserve in a calendar yr, together with:
A distinction for a lot of vacationers would be the Sapphire Reserve’s lounge entry. Chase has opened eight Sapphire Lounges and has plans to open no less than three extra. Plus, the Precedence Move community consists of over 1,800 lounges worldwide.
The Sapphire Reserve’s beloved journey credit score broadly applies to journey purchases and is routinely utilized. Conversely, the Sapphire Most well-liked’s $50 resort credit score is restricted to bookings by means of Chase Journey.
Each playing cards include a set of journey protections. Nevertheless, the extra premium Sapphire Reserve has broader protection with sure insurance policies.
Winner: Sapphire Reserve. The extra premium card comes with lounge entry, a extra versatile journey credit score and a laundry listing of assertion credit to maximise.
Associated: Is the Sapphire Reserve definitely worth the annual price?
Incomes factors with the Sapphire Most well-liked vs. Reserve
There are notable variations in how the Sapphire Most well-liked and Sapphire Reserve earn factors.
With the Sapphire Most well-liked, you may earn:
- 5 factors per greenback spent on all journey bought by means of Chase Journey, eligible Lyft rides (by means of Sept. 30, 2027) and eligible Peloton purchases of no less than $150 (by means of Dec. 30, 2027)
- 3 factors per greenback spent on eating, on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment) and choose streaming providers
- 2 factors per greenback spent on all different journey
- 1 level per greenback spent on all different purchases
The Sapphire Reserve earns:
- 10 factors per greenback spent on eligible Peloton purchases of $150 or extra (by means of Dec. 30, 2027)
- 8 factors per greenback spent on all Chase Journey purchases
- 5 factors per greenback spent on eligible Lyft rides (by means of Sept. 30, 2027)
- 4 factors per greenback spent on flights and lodges booked immediately
- 3 factors per greenback spent on eating purchases worldwide
- 1 level per greenback spent on all different purchases
The 2 playing cards earn on the identical price on Lyft rides and eating.
The Reserve outshines the Most well-liked on Chase Journey purchases and flights and lodges booked immediately, an necessary consideration for frequent vacationers.
In distinction, the Sapphire Most well-liked earns extra on choose streaming providers and on-line groceries. Plus, it has a basic journey bonus class that the Sapphire Reserve doesn’t. In case you ebook Airbnb stays, cruises or different basic journey (exterior of flights or lodges booked immediately or by means of Chase Journey), you are higher off incomes 2 factors per greenback spent on the Most well-liked than 1 level per greenback spent on the Reserve.
Winner: Sapphire Reserve. In most classes, it earns greater than the Most well-liked, although the incomes distinction within the basic journey class is price contemplating.
Associated: Which purchases rely as eating with the Sapphire Most well-liked and Sapphire Reserve?
Redeeming factors with the Sapphire Most well-liked vs. Reserve
Chase’s Factors Enhance characteristic lets sure cardholders get extra worth per level when reserving eligible journey by means of Chase Journey (as much as 2 cents per level; the precise worth you get depends upon which card you might have and what you are reserving; verify your rewards program settlement for the total particulars).
- Sapphire Reserve cardholders can rise up to 2 cents per level on choose resort and flight bookings made by means of Chase Journey.
- Sapphire Most well-liked cardholders can rise up to 1.75 cents per level on choose flight bookings and 1.5 cents on choose resort bookings.
The bottom redemption price for each the Sapphire Most well-liked and Sapphire Reserve is 1 cent per level on Chase Journey redemptions not eligible for Factors Enhance.
Holding the Sapphire Reserve unlocks increased potential worth by means of Factors Enhance than the Sapphire Most well-liked. Nevertheless, you may must make a Factors Enhance-eligible reserving with choose lodges and flight itineraries to get greater than 1 cent per level in worth.
It’s also possible to redeem your factors for money again or reward playing cards, however these redemptions usually provide poor worth.
Winner: Sapphire Reserve. You might rise up to 2 cents per level in worth with choose Factors Enhance bookings, which is increased than the Sapphire Most well-liked’s price of as much as 1.75 cents per level.
Associated: Why Chase’s Factors Enhance is an impressive (form of shocking) new strategy to ebook lodges on factors
Transferring factors with the Sapphire Most well-liked vs. Reserve
The easiest way to get most worth out of your factors earned with the Sapphire Most well-liked or the Sapphire Reserve is to switch them to certainly one of Chase’s 13 journey companions.
These companions embrace helpful loyalty applications equivalent to Air Canada Aeroplan, United Airways MileagePlus and World of Hyatt. Once you switch factors, you may make stellar redemptions.
Plus, Chase usually provides switch bonuses that present much more worth on your factors while you transfer them.
TPG bank cards author Danyal Ahmed lately transferred 70,000 Final Rewards factors to Aeroplan to fly Lufthansa enterprise class from Frankfurt to Los Angeles.
Winner: Tie. Each playing cards include the identical switch choices.
Associated: Who’re the Chase Final Rewards switch companions? The whole lot to know
Ought to I get the Sapphire Most well-liked or the Sapphire Reserve?
The Sapphire Reserve outperforms the Sapphire Most well-liked in key incomes charges, journey perks and redemption worth — however these benefits include a a lot increased $795 annual price. Earlier than selecting, think twice about how usually you journey and whether or not you may realistically use the Reserve’s many journey and life-style credit.
In case you worth airport lounge entry, need top-tier journey protections and may maximize the Reserve’s credit, the Sapphire Reserve will probably ship extra total worth.
In case you favor simplicity, need sturdy incomes charges on on a regular basis spending and do not wish to handle a number of assertion credit, the Sapphire Most well-liked stays probably the greatest mid-tier journey playing cards in the marketplace.
Associated: Causes to decide on the Sapphire Most well-liked over the Sapphire Reserve
The way to improve from the Sapphire Most well-liked to the Sapphire Reserve
You possibly can improve from the Sapphire Most well-liked to the Sapphire Reserve by calling the quantity on the again of your card. You are able to do the identical if you wish to downgrade your Sapphire Reserve to the Sapphire Most well-liked.
It’s important to maintain your card for no less than 12 months earlier than you may downgrade. Nevertheless, you will not be eligible for a welcome provide in your new card in case you select to improve or downgrade.
Associated: Causes to improve from Sapphire Most well-liked to Sapphire Reserve
Backside line
Each the Sapphire Most well-liked and the Sapphire Reserve have earned a robust status amongst vacationers for his or her helpful rewards and versatile redemption choices.
In case you worth airport lounge entry, can maximize assertion credit and respect excessive incomes charges, the Sapphire Reserve is the choose for you. In case you’re into simplicity and do not wish to pay a excessive annual price, apply for the Sapphire Most well-liked as an alternative.
To study extra, learn our full critiques of the Sapphire Most well-liked and Sapphire Reserve.
Apply right here: Chase Sapphire Most well-liked Card
Apply right here: Chase Sapphire Reserve
