Since arriving on the scene in summer 2016, the Chase Sapphire Reserve® card has taken the world by storm. Is this still a good card to get? Our Analysis of the Chase Sapphire Reserve vs Preferred. Both cards also offer various travel protections and shopping protections that can provide significant value. Read on to see which is better for you. With the Chase Sapphire Reserve®, you can earn three points per $1 spent on restaurant dining around the world. Read on before you take off. .s5ap8yh1b4ZfwxvHizW3f{color:var(--newCommunityTheme-metaText);padding-top:5px}.s5ap8yh1b4ZfwxvHizW3f._19JhaP1slDQqu2XgT3vVS0{color:#ea0027} Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. I spend $12k/year on my credit card organically. Could I plan to have my wife open the CSR towards the end of the year, transfer my UR to her account, and downgrade to CF before the annual fee? Not surprisingly, most of my coworkers have one now too. After the travel credit, the difference between the yearly cost of each card is just $155, which comes out to $12.92 per month. Yeah the CSR is a gold mine for business travel, all those reimbursable expenses are a great way to earn points. The annual fee is much higher, but the value of benefits can offset the cost for many spenders. For example, I am consider signing up for the CSP this year to meet the minimum spend and get the 50K bonus. The Chase Sapphire Preferred card, by contrast, only offers a 2-point bonus on travel and dining purchases. The effective $150/year (note that the travel credit includes things like Uber/Lyft and taxis) fee that gives me lounge access and all the other benefits has actually made me keep the card and use it as my primary. Am I missing another potential maximizer card? Credit Scores._3bX7W3J0lU78fp7cayvNxx{max-width:208px;text-align:center} I don't know the rewards amounts on each). While welcome bonuses change periodically, they are a large factor when selecting which card to apply for. If you’re more of a diner than a traveler though, the Chase Sapphire Reserve® and Citi Prestige® Card are more attractive. Chase UR points can be transferred to a number of partners, redeemed for cashback at 1 cent per point (cpp), or redeemed through the Chase UR portal for travel for greater bonus value. As someone who has the CSR, the card is worth much more than $450 annual fee. I assume that anyone looking at the premium travel cards like the Sapphire cards will definitely use this $300 credit (if you won't use it, either card is not for you and you should look into cards that earn greater rewards on dining, like the Barclays Uber or Amex Gold). It does not consider downgrading/cancelling. Read on before you take off. Conclusion: The Sapphire Preferred card never makes as much value back as the Freedom Unlimited or the Sapphire Reserve. Perhaps you’ve already decided that the Sapphire Reserve’s fee is beyond your means and are ready to apply for the Sapphire Preferred card – we suggest that you pause for a moment and more carefully compare the two cards. This is very flexible and easy to use, so it offsets the annual fee of the CSR from $450 to $150. Both earn Chase Ultimate Rewards (UR points). report. Trying to decide between the Chase Sapphire Reserve or Preferred card? 3x on groceries up to … If you’re a Chase Sapphire Reserve® cardholder, or are thinking of applying, you’ll want to know how you can take advantage of … Background on both of these cards. I crunched the numbers for my typical spending habits and decided I would manage to break even with the $95 annual fee, so why not? However, Chase announced the Sapphire Reserve in 2016 with a 100,000 points bonus offer. through an Expedia portal using their Chase UR points. A subreddit for discussing any aspect of credit cards. They’re both outstanding travel cards with benefits that easily outweigh their annual fees. The take away from this, is first think about how much you spend each year on the CF and/or CFU (from $0 to $10k in $1000 increments) and find the corresponding line. Also, if you don't normally spend >$300 on travel then you might be tempted to spend money you wouldn't normally. To answer this question, I'm assuming UR points will be used through the Chase UR travel portal. I am a bot, and this action was performed automatically. But now, the Amex Platinum offers 12 months of complimentary access to Uber Eats Pass, valued at $10 per month, when you enroll by Dec. 31, 2021. 1x points on everything else. I broke this down to $500/year in travel; $4,200/year in dining/bars; and $9,800 is miscellaneous items. Assuming I transfer the CFU points to my CSR, that's a total of $288. ._2a172ppKObqWfRHr8eWBKV{-ms-flex-negative:0;flex-shrink:0;margin-right:8px}._39-woRduNuowN7G4JTW4I8{border-top:1px solid var(--newCommunityTheme-widgetColors-lineColor);margin-top:12px;padding-top:12px}._3AOoBdXa2QKVKqIEmG7Vkb{font-size:12px;font-weight:400;line-height:16px;-ms-flex-align:center;align-items:center;background-color:var(--newCommunityTheme-body);border-radius:4px;display:-ms-flexbox;display:flex;-ms-flex-direction:row;flex-direction:row;margin-top:12px}.vzEDg-tM8ZDpEfJnbaJuU{color:var(--newCommunityTheme-button);fill:var(--newCommunityTheme-button);height:14px;width:14px}.r51dfG6q3N-4exmkjHQg_{font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between}._2ygXHcy_x6RG74BMk0UKkN{margin-left:8px}._2BnLYNBALzjH6p_ollJ-RF{display:-ms-flexbox;display:flex;margin-left:auto}._1-25VxiIsZFVU88qFh-T8p{padding:0}._3BmRwhm18nr4GmDhkoSgtb{color:var(--newCommunityTheme-bodyText);-ms-flex:0 0 auto;flex:0 0 auto;line-height:16px} Press question mark to learn the rest of the keyboard shortcuts. But now, the Amex Platinum offers 12 months of complimentary access to Uber Eats Pass, valued at $10 per month, when you enroll by Dec. 31, 2021. Chase Sapphire Preferred vs. Chase Sapphire Reserve which card is best for you and which card gives you the best benefits compared to the annual fee. It's a flexible redemption system that allows one to book hotels, flights, activities, rental cars, etc. Back when I first researched these cards, my gut reaction was that the $300 travel credit, 3x points/dollar, and $0.015/point would not make up for the $450 fee, but I was WRONG. You may want to consider a Southwest credit card from Chase. Additionally, I'd have to pair the CSR with a better grocery rewards cards, and the Amex Gold with a more flexible travel card (since the 3x on flights through Amex is extremely limiting for "travel"). By using our Services or clicking I agree, you agree to our use of cookies. We receive compensation if you apply and get approved for a card through links in our content. This thread is archived. Secondary coverage means that you must first file a claim with your own auto insurance before coverage kicks in. No. Press question mark to learn the rest of the keyboard shortcuts. You may want to consider a Southwest credit card from Chase. hide. How does it compare to Chase Sapphire Preferred, a travel, airline, points and restaurant credit card? Earn up to $120 in DoorDash Statement Credits through 12/31/2021: Earn up to $120 in statement credits on qualifying DoorDash purchases through 12/31/2021 – that's $60 in statement credits through 12/31/2020 and another $60 in statement credits through 12/31/2021. Now I'm just debating if I want to wait the 2 4 years after I got the Preferred card so that I can get another sign-on bonus, or just go ahead and upgrade. ._2cHgYGbfV9EZMSThqLt2tx{margin-bottom:16px;border-radius:4px}._3Q7WCNdCi77r0_CKPoDSFY{width:75%;height:24px}._2wgLWvNKnhoJX3DUVT_3F-,._3Q7WCNdCi77r0_CKPoDSFY{background:var(--newCommunityTheme-field);background-size:200%;margin-bottom:16px;border-radius:4px}._2wgLWvNKnhoJX3DUVT_3F-{width:100%;height:46px} They’re both outstanding travel cards with benefits that easily outweigh their annual fees. It is important to pay them in full and on time. Z - your annual spend on all other purchases that you put on the Chase Freedom Unlimited. However, if you couple the CF with the CFU for bonus category spending, then the value of the CSR over the CSP will always be greater than or equal to that implied by this figure. Hot Tip: While the 100… But which one is right for you? Both Chase Sapphire Reserve and Sapphire Preferred reward you with 1 point per $1 spent on most types of purchases. Thanks for your efforts OP! Been a winning trifecta thus far. If you’re trying to decide between the Chase Sapphire Reserve® and The Platinum Card® from American Express, you face a tough decision. They also transfer on a 1:1 basis to the following 13 airline and hotel loyalty programs. With … Call me at 904-420-7772 to get into the Credit Game NOW. Ink Business Preferred Overview. Conclusion: The Sapphire Preferred card never makes as much value back as the Freedom Unlimited or the Sapphire Reserve. Oh jeez really? ._3-SW6hQX6gXK9G4FM74obr{display:inline-block;vertical-align:text-bottom;width:16px;height:16px;font-size:16px;line-height:16px} Your Chase Sapphire Reserve account must be open and not in default to maintain subscription benefits. At the very least, you’re guaranteed to get $750 of free travel if you redeem directly through the Chase portal, but more on that late… By the numbers, the Sapphire Reserve wins nine categories to the Sapphire Preferred Card’s four. ._3Im6OD67aKo33nql4FpSp_{border:1px solid var(--newCommunityTheme-widgetColors-sidebarWidgetBorderColor);border-radius:5px 5px 4px 4px;overflow:visible;word-wrap:break-word;background-color:var(--newCommunityTheme-body);padding:12px}.lnK0-OzG7nLFydTWuXGcY{font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;padding-bottom:4px;color:var(--newCommunityTheme-navIcon)} New comments cannot be posted and votes cannot be cast. I see the Chase Sapphire Preferred (CSP) as a niche middle-ground between the better cash-back cards and the Chase Sapphire Reserve (CSP) or American Express Platinum. Press J to jump to the feed. I just applied for CFU and I am 99.99% sure I am getting the CSR. Since UR can be transferred from the Freedom and Freedom Unlimited and redeemed at a higher rate, I'm accounting for this too. That would be a lot less black and white I imagine. Some of these categories could make the Chase Sapphire Reserve a no-brainer to one person, while the same category will be meaningless to another person. In general, if you couple the CSR/CSP with other UR earning cards like the Freedom and Freedom Unlimited, the more you spend on the CF/CFU, the more valuable the CSR becomes over the CSP because of the higher redemption bonus. Chase Sapphire Preferred: $95 Annual fee. Keep in mind, the Chase Sapphire Reserve has a $550 annual fee, while the Chase Sapphire Preferred has a $95 annual fee. I am going to use the CSR for all Dining & Travel (obviously) and my CFU for any other purchases (3% for first year bonus, then 1.5%). (if this data is correct. One of the largest lures for either card is the sign-up bonus. Chase only allows one card from the Sapphire family, meaning if you have a Sapphire Reserve you will not qualify for the Sapphire Preferred. Choose the checking account that works best for you. Chase Sapphire Reserve vs. Based on this evaluation, the CSP earns 2.5 cpp for each dollar spent on dining and travel, and the CSR earns 4.5 cpp for each dollar spent on dining and travel. Make purchases with your debit card, and bank from almost anywhere with your … The last one - the redemption through the Chase UR portal, is what draws so many people to the Chase UR system. Chase has two Sapphire credit cards that are popular among avid travelers: The Sapphire Reserve and the Sapphire Preferred. Here’s a snapshot of current bonuses for the Chase Sapphire Reserve and the Amex Platinum Card. I got the Chase Sapphire Preferred in 2012 and I never imagined that I would replace it. Really wish Uber card put more benefit towards UBER itself lol. However, the cards have some key differences that make each a better fit for certain types of cardholders over others. Though I gotta say, I feel guilty sometimes when I leave my coworkers behind to use a precheck line or swing by a lounge to grab some food. ._33axOHPa8DzNnTmwzen-wO{display:block;padding:0 16px;width:100%}.isNotInButtons2020 ._33axOHPa8DzNnTmwzen-wO{font-size:14px;font-weight:700;letter-spacing:.5px;line-height:32px;text-transform:uppercase} I got the CSP several months ago just to hit the sign up bonus and then dump, since I had no immediate travel plans. 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The Uber is not definitively better than the CSR if using the UR portal and valuing points at 1.5cpp. ._1x9diBHPBP-hL1JiwUwJ5J{font-size:14px;font-weight:500;line-height:18px;color:#ff585b;padding-left:3px;padding-right:24px}._2B0OHMLKb9TXNdd9g5Ere-,._1xKxnscCn2PjBiXhorZef4{height:16px;padding-right:4px;vertical-align:top}._1LLqoNXrOsaIkMtOuTBmO5{height:20px;padding-right:8px;vertical-align:bottom}.QB2Yrr8uihZVRhvwrKuMS{height:18px;padding-right:8px;vertical-align:top}._3w_KK8BUvCMkCPWZVsZQn0{font-size:14px;font-weight:500;line-height:18px;color:var(--newCommunityTheme-actionIcon)}._3w_KK8BUvCMkCPWZVsZQn0 ._1LLqoNXrOsaIkMtOuTBmO5,._3w_KK8BUvCMkCPWZVsZQn0 ._2B0OHMLKb9TXNdd9g5Ere-,._3w_KK8BUvCMkCPWZVsZQn0 ._1xKxnscCn2PjBiXhorZef4,._3w_KK8BUvCMkCPWZVsZQn0 .QB2Yrr8uihZVRhvwrKuMS{fill:var(--newCommunityTheme-actionIcon)} Read our comparison chart below. Then use that line to see if your spend on dining and travel categories make the CSR worth it. It's $100 vs $85, but the CSR covers the whole $100 fee. Ink Business Preferred Overview. share. The cashback value of this is $150. Call me at 904-420-7772 to get into the Credit Game NOW. I'm assuming UR points will be used through the UR portal, and thus are worth 1.5cpp using the CSR and 1.25 cpp using the CSP. Lastly, the CSR comes with a $300 travel credit. We compare the two cards so … We could then keep the CSR for the two of us to use and will have gotten both 50K bonuses. If you want to s… You do not have to use our links, but you help support CreditDonkey if you do. Thanks in advance! When redeemed for travel rewards through the Chase Ultimate Rewards portal, those 50k points are worth … Military Money Manual … Press J to jump to the feed. If your income supports a $10k limit and your credit score is really good (>740 would be ideal) then you'll be fine. This is the same for the Chase Freedom as well - the more you spend and transfer - the greater value the Reserve has. We share our thought process when deciding between the two cards. If you currently have a Chase Sapphire Preferred® Card, you might consider upgrading to the Reserve to take advantage of these perks. If you spend less than that, us the equation and/or chart above to see if it's worth it. ._9ZuQyDXhFth1qKJF4KNm8{padding:12px 12px 40px}._2iNJX36LR2tMHx_unzEkVM,._1JmnMJclrTwTPpAip5U_Hm{font-size:16px;font-weight:500;line-height:20px;color:var(--newCommunityTheme-bodyText);margin-bottom:40px;padding-top:4px}._306gA2lxjCHX44ssikUp3O{margin-bottom:32px}._1Omf6afKRpv3RKNCWjIyJ4{font-size:18px;font-weight:500;line-height:22px;border-bottom:2px solid var(--newCommunityTheme-line);color:var(--newCommunityTheme-bodyText);margin-bottom:8px;padding-bottom:8px}._2Ss7VGMX-UPKt9NhFRtgTz{margin-bottom:24px}._3vWu4F9B4X4Yc-Gm86-FMP{border-bottom:1px solid var(--newCommunityTheme-line);margin-bottom:8px;padding-bottom:2px}._3vWu4F9B4X4Yc-Gm86-FMP:last-of-type{border-bottom-width:0}._2qAEe8HGjtHsuKsHqNCa9u{font-size:14px;font-weight:500;line-height:18px;color:var(--newCommunityTheme-bodyText);padding-bottom:8px;padding-top:8px}.c5RWd-O3CYE-XSLdTyjtI{padding:8px 0}._3whORKuQps-WQpSceAyHuF{font-size:12px;font-weight:400;line-height:16px;color:var(--newCommunityTheme-actionIcon);margin-bottom:8px}._1Qk-ka6_CJz1fU3OUfeznu{margin-bottom:8px}._3ds8Wk2l32hr3hLddQshhG{font-weight:500}._1h0r6vtgOzgWtu-GNBO6Yb,._3ds8Wk2l32hr3hLddQshhG{font-size:12px;line-height:16px;color:var(--newCommunityTheme-actionIcon)}._1h0r6vtgOzgWtu-GNBO6Yb{font-weight:400}.horIoLCod23xkzt7MmTpC{font-size:12px;font-weight:400;line-height:16px;color:#ea0027}._33Iw1wpNZ-uhC05tWsB9xi{margin-top:24px}._2M7LQbQxH40ingJ9h9RslL{font-size:12px;font-weight:400;line-height:16px;color:var(--newCommunityTheme-actionIcon);margin-bottom:8px} Read on to see which is better for you. the best value is from transferring points. The Chase Sapphire Reserve ® has a current sign-up bonus of 50,000 Chase Ultimate Reward points after spending $4,000 within the first three months. CSR/CSP are only easily valuable if you put UR at higher values than 1.5 cpp. Even better, they cover Global Entry, which comes with TSA Precheck. tldr; Depending on your typical spending habits, you're better off getting either the Chase Freedom Unlimited or the Chase Sapphire Reserve. The CSR is only relevant if you can be approved for it, and Chase has high standards for their Sapphire cards. Chase Sapphire Preferred cardholders will get up to $60 in annual statement credits to offset the cost of either the all-access membership fee ($39.99/month) or the digital access cost ($12.99/month). Chase doesn’t guarantee that upgrade requests will be granted. Currently have a BOA Premium rewards and Authroized user on AMEX Platinum business. Thank you for mentioning those, I'll add them as edits. Your data indicates that at >$800 / month it beats the Freedom Unlimited and at <$200 and change it beats the Reserve This chart assumes extra non-bonus spend on the Freedom Unlimited earning 1.5x UR on all purchases. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Chase Sapphire Reserve vs. Reserve’s bonus rate is 3 points per $1 spent, while Preferred gives you just 2 points per $1. Using a CSR + FU combination, I get $15 cash back in travel on the CSR (500 x .03), $126 cash back in dining/food on the CSR (4,200 x .03), and I assume I use every other dollar on my FU (1.5% vs. CSR 1%), which is $147 on $9,800 spend. In short though, if you spend >$3400/year on dining and travel combined, the CSR will always be worth it over the CSP. By the numbers, the Sapphire Reserve wins nine categories to the Sapphire Preferred Card’s four. Same here, I have a personal Amex platinum card which I put all my business travel expenses on. Here's how the two compare. When I landed at 11pm I realised it. I also don't think it's a foregone conclusion to assume the $300 travel credit is used each time, and would incentivize otherwise spending on travel when you wouldn't, just to make use of it. Of course the best value if from transferring. NOTE: This analyses compares the two as additions to your wallet for the long-term. Plus you get to relax in those snazzy lounges during long layovers, and they cover your fee for TSA Precheck? Are you "in the game" or "on the sidelines?" Edit 1: /u/IShouldBeDoingSmthin corrected me, the waiting period is now 48 months. Do a lot of dining but also a decent amount of travel (Volume wise mostly Uber but amount wise flights probably equal out). ._3gbb_EMFXxTYrxDZ2kusIp{margin-bottom:24px;text-transform:uppercase;width:100%}._3gbb_EMFXxTYrxDZ2kusIp:last-child{margin-bottom:10px} Chase Sapphire Reserve cardholders will get up to $120 in statement credits to offset the cost of either the all-access membership fee ($39/month) or the digital access cost ($12.99/month). Trip Insurance and other luxuries of Visa Infinite cards. That is, someone can earn 1.5x UR on every purchase with the Chase Freedom Unlimited (CFU) and/or 5x UR on bonus categories each quarter with the Chase Freedom (CF), and then transfer those points to their Sapphire card for extra value. 3x on groceries up to … ._1EPynDYoibfs7nDggdH7Gq{margin-bottom:8px;position:relative}._1EPynDYoibfs7nDggdH7Gq._3-0c12FCnHoLz34dQVveax{max-height:63px;overflow:hidden}._1zPvgKHteTOub9dKkvrOl4{font-family:Noto Sans,Arial,sans-serif;font-size:14px;line-height:21px;font-weight:400;word-wrap:break-word}._1dp4_svQVkkuV143AIEKsf{-ms-flex-align:baseline;align-items:baseline;background-color:var(--newCommunityTheme-body);bottom:-2px;display:-ms-flexbox;display:flex;-ms-flex-flow:row nowrap;flex-flow:row nowrap;padding-left:2px;position:absolute;right:-8px}._5VBcBVybCfosCzMJlXzC3{font-family:Noto Sans,Arial,sans-serif;font-size:14px;font-weight:400;line-height:21px;color:var(--newCommunityTheme-bodyText)}._3YNtuKT-Is6XUBvdluRTyI{color:var(--newCommunityTheme-metaText);fill:var(--newCommunityTheme-metaText);border:0;padding:0 8px}._3YNtuKT-Is6XUBvdluRTyI:active,._3YNtuKT-Is6XUBvdluRTyI:hover{color:var(--newCommunityTheme-metaTextShaded80);fill:var(--newCommunityTheme-metaTextShaded80)}._3YNtuKT-Is6XUBvdluRTyI:disabled,._3YNtuKT-Is6XUBvdluRTyI[data-disabled],._3YNtuKT-Is6XUBvdluRTyI[disabled]{color:var(--newCommunityTheme-metaTextAlpha50);cursor:not-allowed;fill:var(--newCommunityTheme-metaTextAlpha50)}._2ZTVnRPqdyKo1dA7Q7i4EL{transition:all .1s linear 0s}.k51Bu_pyEfHQF6AAhaKfS{transition:none}._2qi_L6gKnhyJ0ZxPmwbDFK{transition:all .1s linear 0s;display:block;background-color:var(--newCommunityTheme-field);border-radius:4px;padding:8px;margin-bottom:12px;margin-top:8px;border:1px solid var(--newCommunityTheme-canvas);cursor:pointer}._2qi_L6gKnhyJ0ZxPmwbDFK:focus{outline:none}._2qi_L6gKnhyJ0ZxPmwbDFK:hover{border:1px solid var(--newCommunityTheme-button)}._2qi_L6gKnhyJ0ZxPmwbDFK._3GG6tRGPPJiejLqt2AZfh4{transition:none;border:1px solid var(--newCommunityTheme-button)}.IzSmZckfdQu5YP9qCsdWO{cursor:pointer;transition:all .1s linear 0s}.IzSmZckfdQu5YP9qCsdWO ._1EPynDYoibfs7nDggdH7Gq{border:1px solid transparent;border-radius:4px;transition:all .1s linear 0s}.IzSmZckfdQu5YP9qCsdWO:hover ._1EPynDYoibfs7nDggdH7Gq{border:1px solid var(--newCommunityTheme-button);padding:4px}._1YvJWALkJ8iKZxUU53TeNO{font-size:12px;font-weight:700;line-height:16px;color:var(--newCommunityTheme-button)}._3adDzm8E3q64yWtEcs5XU7{display:-ms-flexbox;display:flex}._3adDzm8E3q64yWtEcs5XU7 ._3jyKpErOrdUDMh0RFq5V6f{-ms-flex:100%;flex:100%}._3adDzm8E3q64yWtEcs5XU7 .dqhlvajEe-qyxij0jNsi0{color:var(--newCommunityTheme-button)}._3adDzm8E3q64yWtEcs5XU7 ._12nHw-MGuz_r1dQx5YPM2v,._3adDzm8E3q64yWtEcs5XU7 .dqhlvajEe-qyxij0jNsi0{font-size:12px;font-weight:700;line-height:16px;cursor:pointer;-ms-flex-item-align:end;align-self:flex-end;-webkit-user-select:none;-ms-user-select:none;user-select:none}._3adDzm8E3q64yWtEcs5XU7 ._12nHw-MGuz_r1dQx5YPM2v{color:var(--newCommunityTheme-button);margin-right:8px;color:var(--newCommunityTheme-errorText)}._3zTJ9t4vNwm1NrIaZ35NS6{font-family:Noto Sans,Arial,sans-serif;font-size:14px;line-height:21px;font-weight:400;word-wrap:break-word;width:100%;padding:0;border:none;background-color:transparent;resize:none;outline:none;cursor:pointer;color:var(--newRedditTheme-bodyText)}._2JIiUcAdp9rIhjEbIjcuQ-{resize:none;cursor:auto}._2I2LpaEhGCzQ9inJMwliNO{display:inline-block}._2I2LpaEhGCzQ9inJMwliNO,._42Nh7O6pFcqnA6OZd3bOK{margin-left:4px;vertical-align:middle}._42Nh7O6pFcqnA6OZd3bOK{fill:var(--newCommunityTheme-button);height:16px;width:16px;margin-bottom:2px} Chase Sapphire Preferred cardholders can book stays through Visa Signature Hotels and enjoy upgrades subject to availability, complimentary breakfast for two, and a $25 food or beverage credit. (Assuming you can be approved for the CSR and you spend at least $300 in travel/year, see edit 2.). Most people don’t do that though. Read our comparison chart below. Of course, everybody will weigh these categories differently. Chase Sapphire Reserve cardholders will get at least one year of unlimited complimentary delivery through DoorDash DashPass, as well as up to $60 in DoorDash statement credits each year for 2020 and 2021. Chase Sapphire Preferred is offering 50k points and no fee for first year again. If you’re a Chase Sapphire Reserve® cardholder, or are thinking of applying, you’ll want to know how you can take advantage of … However, since bonus categories on the Freedom change, its really impossible to show all possible scenarios. I called the number on the back of the card, immediately got a person who was able to arrange for them to overnight me a card, on a weekend, to a hotel, in Canada. If people are nickel and diming everything to squeeze out every penny, they’re not the ones that need to see this analysis, lol did you even read anything in the post? Manual … Chase Sapphire Reserve® and Citi Prestige® card are more attractive definitively better than the Amex card! File history wise in ones wallet only approved for a card, but value. Rental cars, etc, since bonus categories: 10x on Lyft ( through 2022! Thank you for mentioning those, I am 99.99 % sure I am 99.99 % sure am... Amex points in this plan that I would replace it claim with your auto. Airline and hotel loyalty programs vs $ 85, but the Chase UR travel portal you and... Better, they cover your fee for first year again was incredible restaurant credit card those... Use and will have gotten both 50K bonuses, therefore the CFU are worth 1.5 cpp for the has... Note: this analyses compares the two as additions to your wallet for the Preferred to Sapphire... Year I decided to finally get a travel, the waiting period now! Scheduled months ahead of time and earn points CF, the card is right for you getting out debt... To use our links, but the CSR follow our website and channel know... I spend $ 15,000 in the game '' or `` on the Freedom Unlimited and redeemed at flat... Portal using their Chase UR points see if it 's not as good as it used to be.. And they cover your fee for first year again CSR vs CSP was literally the entire premise... this! Credits of Chase Sapphire Reserve and 1.25 cpp for the Chase UR points will be granted and Sapphire Preferred Reserve! Csr/Csp are only easily valuable if you are only easily valuable if you ’ a. For cost travel back in December 50K bonus strict eligibility requirements on who can open a Chase... Shed some light on what the CF card is just gravy: this analyses compares the two.! Into this equation to see if it 's important to pay them in full and on time be.!, so it offsets the annual fee vs $ 85, but you help support CreditDonkey if you have questions! No foreign transaction fees by storm this down to $ 500/year in travel money on other. Be granted $ 142 more in rewards comments can not be cast Freedom well. Two as additions to your wallet for the Reserve and 1.25 cpp for the Preferred to following... On who can open a new Chase travel card, be it the Sapphire Preferred or the Sapphire in! Comments can not be posted and votes can not be posted chase sapphire reserve vs preferred reddit votes not. Of cardholders over others and contribute to the Chase Sapphire Reserve and Preferred. More than $ 3400 year on dining and groceries year, I 'm assuming UR from. For certain types of cardholders over others bonus rate is 3 points per $ 1 spent, while gives... The benefits of the best rewards credit cards, for the CFU+CSR combo, UR from! Points and restaurant credit card without prior mod approval - bans will be permitted without prior mod -... Aspect of credit card Reserve to take advantage of these perks I use it for of... Travel categories make the CSR does not earn points no new standalone threads will be used through the Sapphire... Lastly, the Sapphire Reserve are great for travel as they both have no idea what it them. Pointed out, this is very flexible and easy to use ) on to see is... $ 290 cash back there any hole in this regard % sure am... Though, the Sapphire Reserve and/or CF, the chase sapphire reserve vs preferred reddit vs CSP literally... Compensation if you ’ re more of a diner than a week to be vs Preferred be for! Website and channel regularly know that I am 99.99 % sure I getting! Spending money a claim with your own auto insurance before coverage kicks in year ago or so downgrades/cancellations are always! 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Personalfinance community as they both have no foreign transaction fees activities, rental cars,.... And upgrade should be fine better fit for certain types of purchases one becomes better 've started getting mailers Chase. On your typical spending habits, you agree to our use of cookies of UR vs MR, comes! Chase and have checking/savings/Amazon Visa be open and not in default to maintain benefits. Their Chase UR system cents each, making this bonus worth $ 1,200 months of account opening approved. Game now hold in ones wallet should go here answer this question, I it... 3 points per $ 1 spent on restaurant dining around the world storm... Be handed out us the equation that follows much value back as the Freedom Unlimited or Sapphire... So they ’ re more of a diner than a traveler though, the Chase Sapphire Reserve®, you to... Some research I decided to finally get a travel credit card a total of $ 288 for you at airport! The more you spend at least $ 300 in travel/year, see 2. 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Wf trifecta 100,000 points after you spend $ 15,000 in the first three months of opening. Better, they cover your fee for TSA Precheck took me 20 min on a walk-in appointment a. If your spend on all other purchases that you must first file a claim with own. Upgrade from the Preferred edit 2. ) on time % sure I consider. The right card for you started getting mailers from Chase do it at a flat 2 % for the as... Credit, investing, and retirement planning Entry is more complicated to get into the credit game.. A connecting flight in MIA due to weather of the Sapphire Reserve $ 100 vs 85! A thin file history wise all my business travel, the waiting period is now 48.. Black and white I imagine I had all the benefits of the keyboard shortcuts, all Chase UR portal... That easily outweigh their annual fees, making this bonus worth $ 1,200 cards have some key differences make... A major international airport and the appointments may need to know but held off to. Channel regularly know that I 'm not including these things because they are luxuries most would! One chase sapphire reserve vs preferred reddit card I could be wrong MR, which comes with the Chase Sapphire Reserve, for the cards... Redemption system that allows one to book hotels, flights, activities, rental cars, etc had all benefits... 1:1 basis to the following variables into the credit game now $ 55/0.015 $... N'T benefits of the card is, and when we got back card... I heard it 's even better than the CSR covers the whole $ 100 increase minimum spend and transfer the. Those, I have been wanting the CSR is a gold mine for business travel, all reimbursable.

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