Credit Cards » Compare Credit Cards » Chase Sapphire Preferred vs Reserve: Which is Better?
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Chase Sapphire Preferred vs Reserve: Which is Better?

When it comes to the annual fee, there is a clear winner. But is it worth the exclusive travel rewards you'll get? Here's our analysis.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table of Content

Chase is one of the biggest banks in the United States and it offers a wide range of different credit cards. These cards will each have their own pros and cons attached to them, with some focusing on particular use cases.

The Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® are two options that tend to be well suited to travelers. This review will take you through each of the main aspects of using these credit cards.

General Comparison

chase_sapphire_preffered

Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
Annual Fee
$95
$550
Rewards
5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

Welcome bonus
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
21.24%–28.24% variable APR
22.49%–29.49% variable
Read Review
Read Review

Compare Rewards: Which Card Gives More?

Both cards offer exclusive travel rewards and considered among the best travel cards in the market. There are varying levels of rewards points available when comparing the Chase Sapphire Preferred and Sapphire Reserve cards. Here is a look at the points that you can expect from these two offerings.  

The following purchases will be assessed, assuming they were made through Chase Rewards:

chase_sapphire_preffered

Spend Per Category
Chase Sapphire Preferred® Card
Chase Sapphire Reserve
$10,000 – U.S Supermarkets
30,000 points
10,000 points
$5,000 – Airline
25,000 points
25,000 points
$5,000 – Hotels
25,000 points
50,000 points
$5,000 – Restaurants
15,000 points
15,000 points
$4,000 – Gas
4,000 points
4,000 points
Total Points
99,000 points
104,000 points
Estimated Redemption Value
1 point ~ 1 – 1.25 cent
1 point ~ 1 – 1.5 cent
Estimated Annual Value
$990 – $1,237
$1,040 – $1,560

* Assuming all travel purchases are purchased through Chase Ultimate Rewards®.

Chase Sapphire Preferred options on Chase Ultimate Rewards options
Redeem Chase Sapphire Preferred points on Chase Ultimate Reward (Screenshot taken by our team from Chase app)

Compare Welcome Bonus And Fees

With the Chase Sapphire Preferred card, you will be able to get 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. This means that you will be able to get $750 worth of travel rewards.

The Sapphire Reserve card has a similar offer, allowing you to get 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

The fees for the Chase Sapphire Preferred card are significantly less than what you will pay with the Sapphire Reserve card, being $95 versus $550.

Compare The Perks

There are a few different benefits associated with both of these credit card options. Some of these will be common to both the Chase Sapphire Preferred and Sapphire Reserve options, while others will be different.

Here is a quick look at what you can expect on both cards:

  • Generous Rewards: While the Sapphire Reserve offers better redemption rates, both of these cards have strong rewards on offer for purchases.

  • Good Sign-Up Offer: Both of these cards have a decent signup offer that allows you to get a good bang for your buck when you make the qualifying purchases within the time period.

  • No Foreign Transaction Fees: You will not have to pay any form of foreign transaction fees when using both cards.
  • Travel Interruption/Cancelation Insurance: If you book your trip with your card, you’ll be reimbursed up to $10,000 per person and $20,000 per trip if your trip is cut short or canceled due to covered situations.
  • Pay Yourself Back offers, which allow you to redeem points for current offers with a higher redemption value.
  • Transfer points to airlines and hotels: Both cards are eligible for transferring points to airline and hotel partners:
Chase transfer points to airlines
Chase transfer points to airlines (Screenshot from Chase app)
  • Split purchases of $100+ into fixed monthly payments via the My Chase Plan feature.
  • Auto Collision Rental Damage Waiver: If you charge the entire cost of your rental to your card, you’ll have supplemental theft and collision damage cover for free
  • Travel Interruption/Cancelation Insurance: If you book your trip with your card, you’ll be reimbursed up to $10,000 per person and $20,000 per trip if your trip is cut short or canceled due to covered situations.
  • Baggage Delay Insurance: You’ll receive up to $100 per day for five days for essential purchases if your baggage is delayed by your passenger carrier. You’ll also get up to $500 per ticket if your common carrier travel is delayed for over 12 hours.
  • Purchase Protection: New purchases are covered for up to 120 days against theft or damage. There is a claim limit of $500 and $50,000 per account. You’ll also get extended warranty protection on eligible warranties. If you lost or misplaced your credit card, you can quickly lock it on Chase website.

However, there are some unique benefits for each card:

Chase Sapphire Preferred

chase_sapphire_preffered

  • Points Bonus for Travel: If you bought your travel-related airfares, hotels, and rentals through Chase, you will get a 25% boost to your points.
  • Anniversary Bonus: You’ll get bonus points for 10% of your total purchases from the previous year. So, if you spend $20,000, the following year, you’ll get 2,000 bonus points.
Chase Sapphire Reserve

  • $300 annual travel credit. You’ll receive up to $300 statement credit for reimbursement on travel purchases charged to your card.
  • Complimentary access to VIP airport lounge access. There are over 1,000 lounges across 500+ cities around the world.
Priority pass lounge
Priority pass lounge (Photo by EQRoy/Shutterstock)
  • Travel reimbursement for lost luggage up to $3,000 per passenger and if your carrier travel is delayed for more than 6 hours, up to $500 per ticket.
  • Points Bonus for Travel: If you bought your travel-related airfares, hotels, and rentals through Chase, you will get a 50% boost to your points.
  • Premium Rewards: You have some premium rewards associated with certain types of expenditure with this credit card, particularly for dining and travel-related purchases.

  • The Chase Sapphire Reserve card will reimburse your application fee for TSA Precheck or Global Entry once every four years. This cost is usually around $85 to $100.
  • 50% More Ultimate Chase Rewards – your points go further when you book through Ultimate Chase Rewards. These rewards include all things travel-related, such as flights, hotels, cruises, and car rentals.
  • Cardholders Take advantage of exclusive benefits at a variety of hand-picked top hotels and resorts around the world, such as complimentary room upgrades, early check-in and late check-out.
  • There are no dates when the points cannot be redeemed. They can be redeemed at any time of the year. There is also no expiration or use limits.

Compare The Drawbacks

Of course, no credit card is perfect, so it is important to be aware of the potential drawbacks before you make your final card decision.

Chase Sapphire Preferred

chase_sapphire_preffered

You will not get an introductory period of 0% APR that is in place with other Chase cards.

The Chase Reserve offers more exclusive benefits such as VIP lounge access, better point bonuses and annual travel credit. These features you won't get with the Chase Preferred card.

Chase Sapphire Reserve

While there are some great rewards associated with this card, the annual fee of $550 is quite hefty.

Only people with very strong credit will usually be able to get their hands on this card.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Redemption Options

Some redemption offers, for example, include receiving a statement credit or an automatic electronic deposit into your Chase checking account, or any other eligible bank.

While this may appear to be a good idea if you are short on cash or need to reduce your balance, it will not provide you with the same benefits as redeeming the same credit for travel.

Crdholders can use points to book flights, hotels, and car rentals through the Chase Ultimate Rewards travel portal. With the Sapphire Reserve, points have a 1.5x redemption value when used for travel, while the Preferred card offers a 1.25x redemption value when used for travel.

Book a flight with points on Chase Travel Portal
Book a flight with points on Chase Travel Portal (Screenshot from Chase app)

You can transfer your Chase Ultimate Rewards to one of Chase's partner airlines or hotels. For example, if you discover a $500 flight on Air France for 25,000 points, you can use the 25,000 points you have with Chase to book the flight. This eliminates the need to earn points with multiple airlines in order to save money on flights.

Air France/KLM, Iberia, Southwest, United, Emirates, Iberia, and Aer Lingus, as well as British Airways, are some of Chase's partner airlines. Hyatt, Marriott Bonvoy, and Intercontinental Hotels Group are among the hotel options. Also, Chase offers unique experiences that can be redeemed using points.

Chase Sapphire Reserve Hotel Transfer Partners - IHG, Marriot, Hyatt
Chase Sapphire Reserve Hotel Transfer Partners - IHG, Marriot, Hyatt (Screenshot from Chase app)

 

Having a gift card may appear to be a good idea, but you will not earn enough money to travel or take a vacation. 

To claim your rewards, you simply need to log into your credit card portal or card app and select the appropriate option. There will be instructions to follow to complete the process.

How to Maximize Cards Benefits?

If you want to make the best use of the Chase Sapphire Preferred Card, don't forget the following:

  • Maximize Welcome Offer: You have a good sign-up offer with this card type that you should make sure to maximize.

  • Leverage Loyalty Programs: there are some travel partners of Chase that will offer their own additional points boosts that you should be aware of and take advantage of them as needed.

  • Add Family Members: You are able to add each member of your family as an extra user without incurring any extra cost. This can lead to you accumulating rewards at a much faster rate.  You can also combine points:

(Screenshot from Chase app)

If you want to make the best use of the Chase Sapphire Reserve Card, don't forget the following:

  • Maximize Welcome Offer: You have a good sign-up offer with this card type that you should make sure to maximize. 

  • Compare Rewards: If you have other credit cards with Chase, you should make sure that you are aware of which cards are better suited to different types of purchases.

  • Insurance Offerings: There is no need to get separate travel-related insurance as this card offers that protection for you already. Chase Sapphire Reserve is one of the best credit cards for rental car insurance available.

  • Understand all features the card offers – as a luxury card, the Reserve card offers some unique and premium benefit you can't find on other cards. Make sure you know them and leverage them on the right time depends on your needs.

Customer Reviews: Which Card Wins?

Chase Sapphire Preferred
Chase Sapphire Reserve
App Rating (iOS)
4.8
4.8
App Rating (Android)
4.4
4.4
BBB Rating (A-F)
B+
B+
WalletHub
4
3.5
Contect Options
phone/social
phone/social
Availability
7 AM – 11 PM
7 AM – 11 PM

Customers tend to praise the free features that are associated with both of these cards, such as the insurance coverage and the 24/7 customer service. You also will avoid the likes of foreign exchange fees, which is ideal for travelers.

Some people question the size of the annual fees that are in place for these two cards, as well as the lack of an introductory period of 0% APR.

When You Might Want the Chase Sapphire Preferred?

The Chase Sapphire Preferred Card is a flexible option that could be good if:

  • Ideal For Dining and Travel: This is a good fit for people who are looking to get rewards for their dining and travel purchases. It also does not carry any offering exchange fees. 

  • Looking for Versatility: As well as travel and dining, there are also some decent rewards on offer when making other types of purchases.

  • Seeking Protection: You will get travel and car rental insurance built into this card, meaning that you will not have to worry in case unforeseen issues arise.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When the Chase Sapphire Reserve Card Wins?

The Chase Sapphire Reserve Card is a good choice if:

  • Travel Frequently: If you are a frequent traveler, then you will likely be able to justify the large annual fee. This is because there are some stunning rewards available to you.

  • Like to Travel in Style: There is access to more than 1,000 VIP airport lounges across the world provided to cardholders. You also get free credits each year for the likes of TSA Precheck or Global Entry.

  • Want Generous Rewards: You can earn significant rewards as a result of using this card when making certain types of purchases. These rewards can really add up over time

Bottom Line

Both of these cards will have their audiences. They are both great cards for people who travel a lot and will be able to maximize the rewards. While there are annual fees in place for both options, you also get plenty of protection and customer service.

The Chase Sapphire Preferred card is a great fit for good rewards and versatility. The Sapphire Reserve Card is very valuable for frequent travelers and has some great perks, such as the annual travel credit of $300 and complimentary lounge access that help to neutralize the high annual fee.

Compare The Alternatives

Both of these cards offer some excellent rewards for frequent travelers, particularly if you redeem your rewards on travel products. However, the differences between these two cards will determine which is the better choice for you.

Lastly, there are some alternatives that you may want to take a look before applying.

amex platinum

Venture X Rewards

The Platinum Card® from American Express
Chase Sapphire Reserve®
Capital One Venture X Rewards
Annual Fee
$550
$395
Rewards
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
Welcome bonus
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Foreign Transaction Fee
$0
$0
Purchase APR
21.24% – 29.24% APR Variable
22.49%–29.49% variable
19.99% – 29.99% (Variable)

FAQ

There is no sort of limit in place how much cash back or rewards that you can earn when you are using this card over time.

All purchases will earn cashback through this card. This means that it is going to be an ideal option for those people who want to be able to earn consistent rewards.

The usual minimum credit limit for this card is $10,000. The exact credit limit will be dependent on the answers that you provide in your application.

You might not have met one of its requirements. You will usually find out where you fell short. You might be able to rectify the issue or you might have to look elsewhere.

Compare Chase Sapphire Preferred

When it comes to travel benefits, there is a clear winner. But what about if you're looking for rewards on everyday spending?

Amex Blue Cash Preferred vs Chase Sapphire Preferred: Which Card Is Best?

While the Chase Sapphire Preferred Card has more benefits, the Capital One Venture card offers unique features. Which travel card is better?

Capital One Venture vs Chase Sapphire Preferred: Which Card Is Best?

While the Amex gold card is best for everyday spending, the Chase sapphire preferred may be better as a travel card. Here's our comparison:

American Express Gold Card Vs. Chase Sapphire Preferred: Which Is Best?

The Chase Sapphire Preferred offers better travel perks and protections, but unlike the Autograph card – you'll need to pay an annual fee.

Wells Fargo Autograph Vs. Chase Sapphire Preferred: Which Card Is Best?

The Chase Sapphire Preferred offers costs more and offer more benefits than the Freedom Unlimited. Is it worth the annual fee?

Chase Freedom Unlimited Vs. Sapphire Preferred: Compare Side By Side

The Chase Sapphire Preferred is more versatile and offers better travel rewards than the Explorer card. But what if you're loyal to United?

United Explorer Card vs Chase Sapphire Preferred: Side By Side Comparison

The Venture X card offers better travel perks than the Sapphire Preferred, such as annual credit and lounge access. But is it worth the fee?

Capital One Venture X vs. Chase Sapphire Preferred: Comparison

The Marriott Boundless offers great perks for Marriot lovers, while the Preferred card wins when it comes to general travel-related rewards.

Marriott Bonvoy Boundless vs. Chase Sapphire Preferred: Comparison

The Capital One Savor is better for everyday spending, but the Chase Preferred card is the winner when it comes to travel and protections.

Capital One Savor vs. Chase Sapphire Preferred: Comparison

Chase Preferred card is the clear winner as it offers better travel rewards than the BofA Premium Rewards and variety of travel protections

Bank of America Premium Rewards vs. Chase Sapphire Preferred: Which Card Wins

While the Chase Sapphire Preferred is our winner due to its various perks, the Aeroplan card offers high cashback value and airline perks.

Chase Sapphire Preferred vs. Air Canada Aeroplan Card: How They Compare?

The Chase Sapphire Preferred is our winner due to its higher annual cashback value and various redemption options compared to Alaska card

Chase Sapphire Preferred vs. Alaska Airlines Visa Signature Card: How They Compare?

While we really like both cards, the Chase Sapphire Preferred is our winner due to its diverse redemption options and high rewards rate.

Chase Sapphire Preferred vs. JetBlue Plus Card: Side By Side Comparison

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Chase Sapphire Reserve Card

While Chase Sapphire Reserve offers better protections and redemption options, Venture X is cheaper and offers premium travel benefits.

Chase Sapphire Reserve vs. Capital One Venture X: Comparison

If you're looking for travel rewards, there is a clear winner. But what about if you're looking for rewards on everyday spending?

American Express Gold Card vs Chase Sapphire Reserve: Which Card Is Best?

When it comes to premium travel rewards, both may be the best cards in the market. But who is the winner between the two? Here's our analysis.

American Express Platinum vs Chase Sapphire Reserve: Which Is Better?

The Chase Sapphire Reserve offers more versatile travel rewards and redemption options. But if you need airline perks, the Delta Reserve wins.

Chase Sapphire Reserve vs. Delta SkyMiles Reserve: Comparison

While the Brilliant card focuses on benefits tailored to Marriott enthusiasts, the Chase Reserve focuses on general, luxury travel perks.

Marriott Bonvoy Brilliant vs. Chase Sapphire Reserve: How They Compare?

While both cards offer premium travel perks, the Chase Reserve is the winner as it provides better travel perks and more redemption options.

Bank of America Premium Rewards Elite vs. Chase Sapphire Reserve: Which Card Is Best?

The Chase Reserve wins on cashback rates, travel perks, and insurance. Is it worth the annual fee difference? We think it does – here's why.

Chase Sapphire Reserve vs. Delta SkyMiles Platinum: Side By Side Comparison

The Hilton Amex Aspire offers excellent value for hotel perks, while the Chase Reserve card is best for flexibility and redemption options.

Chase Sapphire Reserve vs. Hilton Amex Aspire: Side By Side Comparison

While having higher annual fee, the Chase Sapphire Reserve is a clear winner with much higher total cashback and better premium travel perks.

United Quest vs. Chase Sapphire Reserve: How They Compare?

Both Citi/AAdvantage Executive and Chase Sapphire Reserve offer great cashback value, but the latter is our winner. Here's why:

Citi/AAdvantage Executive World Elite vs. Chase Sapphire Reserve: Which Card Is Best?

The Chase Sapphire Reserve card stands out as the superior choice, delivering greater annual cashback value and luxurious travel benefits.

Chase Sapphire Reserve vs. Emirates Skywards Premium World Elite Mastercard: Which Card Is Best?

Despite being a pricier card, the Chase Sapphire Reserve is our top choice because of its generous cashback system and luxury travel perks.

U.S. Bank Altitude Reserve Visa Infinite vs. Chase Sapphire Reserve: How They Compare?

Review Travel Credit Cards

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.