Chase Sapphire Most well-liked vs. Chase Sapphire Reserve

Every of Chase’s private Sapphire playing cards earns beneficial Chase Final Rewards factors.

Whereas the mid-tier Chase Sapphire Most well-liked® Card (see charges and costs) and premium Chase Sapphire Reserve® (see charges and costs) 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 payment, whereas the Sapphire Most well-liked is an easier choice for $95 a 12 months.

Think about your journey fashion and general factors and miles technique earlier than selecting. Let’s examine.

Sapphire Most well-liked vs. Reserve comparability

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. (You will need to verify to see when you’re eligible for the 175,000-point provide through the Chase prequalification widget. There isn’t a affect in your credit score rating. This provide is just accessible through this device.)

These factors are value as much as $3,588, in keeping 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 value $1,538 when contemplating TPG’s December 2025 valuations.

You may 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 the event you’ve beforehand earned a bonus on the Sapphire Reserve, you nearly actually will not be eligible for a second bonus on the Sapphire Reserve. In the event you beforehand earned a bonus on a Sapphire Most well-liked, you nearly positively shall be ineligible for a second bonus on the Sapphire Most well-liked.

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 greater provide than what the Sapphire Most well-liked gives.

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 count on.

With the $95 Sapphire Most well-liked, you will obtain:

• Anniversary factors bonus: 10% annually
• Annual lodge credit score: $50 lodge credit score once you ebook by Chase Journey
• DoorDash advantages: Complimentary DoorDash DashPass subscription for no less than one 12 months (once you activate by Dec. 31, 2027) and $10 in month-to-month credit ($120 yearly) for nonrestaurant purchases

The $795 Sapphire Reserve gives:

• Apple Music and Apple TV+: As much as $288 yearly for subscriptions (one-time activation for each companies is required; by June 22, 2027)
• DoorDash: As much as $25 in month-to-month promos plus no less than one complimentary 12 months 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 Sept. 30, 2027; doesn’t apply to Wait & Save, bike or scooter rides)
• OpenTable: As much as $300 yearly (break up into two up-to-$150 biannual credit) for eating at Sapphire Reserve Unique Tables eating places (no prepayment, cost or reservation by OpenTable required)
• Peloton subscriptions: As much as $120 yearly for Peloton subscriptions by Dec. 31, 2027
• StubHub/Viagogo: As much as $300 yearly (break up into two up-to-$150 biannual credit; by Dec. 31, 2027)
• The Edit: As much as $500 yearly (break 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 may obtain further advantages after spending $75,000 on the Sapphire Reserve in a calendar 12 months, 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 Cross community contains over 1,800 lounges worldwide.

The Sapphire Reserve’s beloved journey credit score broadly applies to journey purchases and is mechanically utilized. Conversely, the Sapphire Most well-liked’s $50 lodge credit score is restricted to bookings by Chase Journey.

Each playing cards include a collection 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 checklist of assertion credit to maximise.

Associated: Is the Sapphire Reserve well worth the annual payment?

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 will earn:

• 5 factors per greenback spent on all journey bought by Chase Journey, eligible Lyft rides (by Sept. 30, 2027) and eligible Peloton purchases of no less than $150 (by Dec. 30, 2027)
• 3 factors per greenback spent on eating, on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment) and choose streaming companies
• 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 Dec. 30, 2027)
• 8 factors per greenback spent on all Chase Journey purchases
• 5 factors per greenback spent on eligible Lyft rides (by Sept. 30, 2027)
• 4 factors per greenback spent on flights and accommodations booked straight
• 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 similar price on Lyft rides and eating.

The Reserve outshines the Most well-liked on Chase Journey purchases and flights and accommodations booked straight, an necessary consideration for frequent vacationers.

In distinction, the Sapphire Most well-liked earns extra on choose streaming companies and on-line groceries. Plus, it has a common journey bonus class that the Sapphire Reserve doesn’t. In the event you ebook Airbnb stays, cruises or different common journey (outdoors of flights or accommodations booked straight or by 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 common journey class is value 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 function lets sure cardholders get extra worth per level when reserving eligible journey by Chase Journey (as much as 2 cents per level; the precise worth you get relies on which card you’ve got and what you are reserving; verify your rewards program settlement for the total particulars).

• Sapphire Reserve cardholders can stand up to 2 cents per level on choose lodge and flight bookings made by Chase Journey.
• Sapphire Most well-liked cardholders can stand up to 1.75 cents per level on choose flight bookings and 1.5 cents on choose lodge 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 greater potential worth by Factors Enhance than the Sapphire Most well-liked. Nevertheless, you will need to make a Factors Enhance-eligible reserving with choose accommodations and flight itineraries to get greater than 1 cent per level in worth.

You can too redeem your factors for money again or reward playing cards, however these redemptions sometimes provide poor worth.

Winner: Sapphire Reserve. You might stand up to 2 cents per level in worth with choose Factors Enhance bookings, which is greater 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 excellent (type of shocking) new option to ebook accommodations on factors

Transferring factors with the Sapphire Most well-liked vs. Reserve

One of the best ways 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 embody beneficial loyalty applications resembling Air Canada Aeroplan, United Airways MileagePlus and World of Hyatt. Once you switch factors, you may make stellar redemptions.

Plus, Chase typically provides switch bonuses that present much more worth to your factors once you transfer them.

TPG bank cards author Danyal Ahmed not too long ago 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? Every little thing 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 greater $795 annual payment. Earlier than selecting, consider carefully about how typically you journey and whether or not you will realistically use the Reserve’s many journey and way of life credit.

In the event you worth airport lounge entry, need top-tier journey protections and may maximize the Reserve’s credit, the Sapphire Reserve will probably ship extra general worth.

In the event you want simplicity, need sturdy incomes charges on on a regular basis spending and do not need to handle a number of assertion credit, the Sapphire Most well-liked stays the most effective mid-tier journey playing cards in the marketplace.

Associated: Causes to decide on the Sapphire Most well-liked over the Sapphire Reserve

The best way to improve from the Sapphire Most well-liked to the Sapphire Reserve

You may 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.

You must 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 when 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 powerful popularity amongst vacationers for his or her beneficial rewards and versatile redemption choices.

In the event you worth airport lounge entry, can maximize assertion credit and respect excessive incomes charges, the Sapphire Reserve is the decide for you. In the event you’re into simplicity and do not need to pay a excessive annual payment, apply for the Sapphire Most well-liked as an alternative.

To be taught extra, learn our full evaluations of the Sapphire Most well-liked and Sapphire Reserve.

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