Chase Sapphire Preferred vs. Chase Sapphire Reserve

Chase Sapphire Preferred

Chase Sapphire Reserve

Sign-up Bonus

80,000 points after $4k spending in 3 months

50,000 points after $4k spending in 3 months

Annual fee

$95 annual fee; $0 for each authorized user

$550 annual fee; $75 for each authorized user

Earning rates

2x points on travel and dining, 1x on others

3x points on travel and dining, 1x on others

Redemption value for travel (through Chase UR portal)

1.25 cents per point

1.50 cents per point

Credit/Reimbursement (for travel purchase charged to your card)

N/A

$300 travel credit per calendar year;

$100 application fee credit for Global Entry/TSA PreCheck every 4 years

Airport Lounge Access

N/A

Priority Pass Select

Trip Cancellation Insurance

Up to $10,000 per person and $20,000 per trip

Up to $10,000 per person and $20,000 per trip

Trip Delay Insurance

Up to $500 per ticket for delays of 12 hours or more, or requiring an overnight stay

Up to $500 per ticket for delays of 6 hours or more, or requiring an overnight stay

Baggage Delay Insurance/Lost Luggage Reimbursement

Up to $100 per day for 5 days if delayed more than 6 hours.

Up to $3,000 per person if damaged or lost.

Up to $100 per day for 5 days if delayed more than 6 hours.

Up to $3,000 per person if damaged or lost.

Emergency Evacuation & Transportation

N/A

Covered up to $100,000

Rental Car Insurance

Primary, in US and abroad

Primary, in US and abroad

Purchase Protection

Covered for 120 days, up to $500 per claim and $50,000 per account

Covered for 120 days, up to $10,000 per claim and $50,000 per year

Return Protection

N/A

Covered for 90 days, up to $500 per item and $1,000 per year

Roadside Assistance

$69.95 per service call (as of 8/18/2019)

Covered up to $50 per incident, 4 times a year