The Chase Sapphire Most well-liked® Card (see charges and costs) and the Chase Sapphire Reserve® (see charges and costs) are two of probably the most talked about journey rewards bank cards in the marketplace.
That is due to the precious Chase Final Rewards program, the playing cards’ top-notch advantages and every card’s nice journey protections. However which one is the most effective match for you?
You would possibly assume that the Chase Sapphire Reserve — with a better annual charge and extra luxurious advantages — is at all times the higher selection. It’s a higher-tier card, however that won’t essentially imply it is the best choice. Relying in your spending habits, journey targets and current bank card lineup, the Sapphire Most well-liked may very well be the extra engaging choice to your pockets.
Highest-ever supply: Earn 100,000 bonus factors with the Chase Sapphire Most well-liked Card after spending $5,000 on purchases throughout the first three months of account opening.
So, let’s evaluate the 2 playing cards under that will help you make the most effective choice.
Chase Sapphire Most well-liked vs. Reserve comparability
|
Card |
Chase Sapphire Most well-liked Card |
Chase Sapphire Reserve |
|---|---|---|
| Annual charge | $95 | $550 |
| Incomes charges |
|
|
| Welcome bonus | Earn 100,000 bonus factors after spending $5,000 on purchases within the first three months of account opening. | Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months of account opening. |
| Worth of Final Rewards journey redemptions | 1.25 cents | 1.5 cents |
| Key advantages |
|
|
| Lounge entry | None |
|
| Approved consumer annual charge | $0 | $75 for every consumer |
*Excludes Wait & Save, bike, and scooter rides. Most assertion credit score is as much as $120 yearly.
Chase Sapphire Most well-liked vs. Reserve welcome bonus
The Sapphire Reserve provides 60,000 factors after spending $5,000 within the first three months from account opening.
Winner: Sapphire Most well-liked. It is providing 40% extra factors — however you could spend an additional $1,000 to earn the bonus.
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Associated: One of the best time to use for these Chase playing cards based mostly on their supply historical past
Chase Sapphire Most well-liked vs. Reserve advantages
The distinction in advantages is the place the Sapphire Reserve shines. It provides:
Plus, it will get you entry to The Edit by Chase Journey, which incorporates advantages like complimentary day by day breakfast for 2 and a $100 on-property credit score for every reserving.
In the meantime, the Sapphire Most well-liked nonetheless provides a handful of perks:
- An annual $50 lodge credit score when reserving by means of Chase Journey
- An annual 10% anniversary factors bonus
- A DoorDash DashPass subscription for a minimum of one yr (activate by Dec. 31, 2027) and one $10 nonrestaurant credit score every month
The Sapphire Reserve’s annual journey credit score is way more versatile than the Sapphire Most well-liked’s lodge credit score. With the Sapphire Reserve’s credit score, you will obtain $300 in assertion credit every account anniversary yr for a broad listing of journey purchases. These are robotically utilized to your account; you need not undergo a portal. The Sapphire Most well-liked’s lodge credit score have to be utilized to a keep booked by means of Chase Journey, which makes it extra restrictive.
Plus, the Sapphire Reserve offers entry to Chase lounges and comes with a Precedence Go Choose membership, which grants entry to greater than 1,700 lounges worldwide. You will not obtain any lounge entry with the Sapphire Most well-liked.
Whereas each playing cards have spectacular journey and buy protections, the Sapphire Reserve’s protections are extra substantial in some areas. The Sapphire Reserve offers emergency evacuation and transportation protection, roadside help and emergency medical and dental advantages that the Sapphire Most well-liked doesn’t supply.
And in case you maximize the DoorDash credit, you will get $15 extra worth every month (or $180 yearly) from the Reserve in comparison with the Most well-liked.
Winner: Sapphire Reserve. The journey credit score, airport lounge entry and superior journey protections are onerous to beat for frequent vacationers.
Associated: Is the Chase Sapphire Reserve well worth the annual charge?
Incomes factors with the Sapphire Most well-liked vs. Reserve
The playing cards’ incomes charges differ barely, with the Sapphire Reserve incomes factors at larger charges than the Sapphire Most well-liked throughout some notable classes.
Here is what to anticipate with the Sapphire Reserve:
- 10 factors per greenback spent on accommodations and automobile leases bought by means of Chase Journey and eligible Peloton purchases
- 5 factors per greenback spent on flights booked by means of Chase Journey and Lyft rides
- 3 factors per greenback spent on different journey and eating purchases
- 1 level per greenback spent on all different purchases
And with the Sapphire Most well-liked, you will earn:
- 5 factors per greenback spent on all journey bought by means of Chase Journey, Lyft rides and eligible Peloton purchases
- 3 factors per greenback spent on eating, choose streaming companies and on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
- 2 factors per greenback spent on all different journey
- 1 level per greenback spent on all different purchases
You may earn extra factors on most journey purchases by utilizing the Reserve as a substitute of the Most well-liked.
You may obtain the identical incomes charges because the Sapphire Most well-liked for flights booked by means of Chase Journey, Lyft rides, eating and on a regular basis purchases.
Nevertheless, the Sapphire Most well-liked provides bonus factors for choose streaming companies and on-line groceries, which the Sapphire Reserve doesn’t.
Winner: Sapphire Reserve. It earns greater than the Most well-liked in most bonus classes.
Redeeming factors with the Sapphire Most well-liked vs. Reserve
Redeeming factors by means of Chase Journey with the Sapphire Reserve will internet you a set worth of 1.5 cents per level; that worth drops to 1.25 cents per level with the Sapphire Most well-liked.
Nonetheless, your most precious redemption choice is to switch them to any of Chase’s airline and lodge companions for probably the most worth.
Moreover, you possibly can redeem your factors for money again or reward playing cards, however you will get a decrease worth out of your factors going this route, so we advocate utilizing your factors for journey when you possibly can.
Winner: Sapphire Reserve. The upper redemption worth by means of Chase Journey and Pay Your self Again provides the Reserve an edge.
Associated: The best way to redeem Chase Final Rewards for max worth
Transferring factors with the Sapphire Most well-liked vs. Reserve
Danyal Ahmed, a bank cards author at TPG, lately transferred 70,000 Chase factors to Aeroplan to fly Lufthansa enterprise class from Frankfurt to Los Angeles.
Winner: Tie. You may get the identical switch choices with both card.
Associated: Who’re the Chase Final Rewards switch companions? The whole lot to know
Ought to I get the Chase Sapphire Most well-liked or the Sapphire Reserve?
If you happen to can benefit from the annual journey credit score and haven’t got one other card that features airport lounge entry, you will virtually actually get probably the most worth from the Sapphire Reserve. Nevertheless, if you wish to hold your annual charge prices low or do not journey a lot, the Sapphire Most well-liked gives you good incomes charges and redemption choices for a a lot decrease annual charge.
Associated: Causes to decide on the Chase Sapphire Most well-liked over the fancier Chase Sapphire Reserve
The best way to improve from the Sapphire Most well-liked to the Sapphire Reserve
You’ll be able to request this by calling the quantity on the again of your card. Then, you possibly can apply for the Sapphire Reserve and earn the welcome bonus so long as you’re underneath Chase’s 5/24 rule and didn’t earn the bonus in your Sapphire Most well-liked lower than 48 months in the past.
Likewise, you possibly can downgrade your Reserve to the Most well-liked by calling the quantity on the again of your card. Nevertheless, you’ll miss out on the welcome bonus on the Most well-liked, so it is higher to downgrade your Reserve to a no-annual-fee card first after which submit a brand new software for the Most well-liked to earn the welcome bonus. You are able to do so so long as you didn’t earn the welcome bonus on the Sapphire Reserve lower than 48 months prior.
You too can request a product change from both card to the opposite by calling the quantity on the again of your card. Nevertheless, by going this route, you will forfeit incomes a welcome bonus in your new card.
Associated: Causes to improve from Chase Sapphire Most well-liked to Chase Sapphire Reserve
Backside line
If you happen to’re a frequent traveler who will leverage the perks supplied on the Sapphire Reserve, the premium choice is greatest for you. Nevertheless, in case you aren’t into the excessive annual charge or journey much less usually, the Sapphire Most well-liked is the higher selection.
To study extra, see our full evaluations of the Chase Sapphire Most well-liked and the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Most well-liked Card
Apply right here: Chase Sapphire Reserve
