You can always call and request an upgrade. Chase Sapphire Reserve vs. Citi Prestige vs. 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. Read on to see which is better for you. We compare the two cards so … The Chase Sapphire Preferred bonus of 80,000 points is worth $1,000 (or 1.25 cents apiece) toward travel booked directly through the Chase Ultimate Rewards portal, which includes flights as well as hotels, cruises, vacation rentals, and more. 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. While welcome bonuses change periodically, they are a large factor when selecting which card to apply for. Conclusion: The Sapphire Preferred card never makes as much value back as the Freedom Unlimited or the Sapphire Reserve. Uber gets 4% back on dining and 3% on travel. Hot Tip: While the 100… Our Analysis of the Chase Sapphire Reserve vs Preferred. 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. The Uber card is better as a true cashback card to both, but anyone browsing these forums isn’t using a Sapphire card as a cashback. So effectively, when coupled with the CSR, the CFU becomes an unlimited 2.25% cash back in travel money on all purchases. How does it compare to Chase Sapphire Preferred, a travel, airline, points and restaurant credit card? Most people don’t do that though. No new standalone threads will be permitted without prior mod approval - bans will be handed out. The CSR is only relevant if you can be approved for it, and Chase has high standards for their Sapphire cards. Of course, everybody will weigh these categories differently. If you want to s… If you spend more than $3400 year on dining and travel, the Chase Sapphire Reserve is worth it no matter what. Press question mark to learn the rest of the keyboard shortcuts. Which Southwest Credit Card is Right for You? hide. Chase Sapphire Preferred and Reserve are great for travel as they both have no foreign transaction fees. lol, yep, this is a real-world algebra word problem, Yeah I thought I would dump the CSR right away, here I am 3 years later, and it’s still my go to for restaurants and travel, combined with the CF and CFU I haven’t paid for plane tickets since then (or rental cars), Same! If you’re a Chase Sapphire Reserve® cardholder, or are thinking of applying, you’ll want to know how you can take advantage of … Edit 1: /u/IShouldBeDoingSmthin corrected me, the waiting period is now 48 months. Last year I decided to finally get a travel credit card for myself, since I travel coast-to-coast twice a year to visit family. There's a key way in which the Chase Sapphire Reserve® offsets that annual fee difference. Coupled with a CFU and/or CF, the CSR is even more powerful. The Chase Sapphire Preferred card, by contrast, only offers a 2-point bonus on travel and dining purchases. The CSP earns, as you noted, 1 point per dollar spent on every day purchases (EDP), and 2 points on dining as well as a very broad travel category. Fly Southwest? 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… The Chase Sapphire Reserve has a higher earning rate than the Chase Sapphire Preferred. I use it for all of my company paid travels and earn points without actually spending money. (Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. The Chase Sapphire Reserve annual fee is going up to $550 starting January 12, 2020, a $100 increase. Travel delay insurance was clutch, saved me $500 when I missed a connecting flight in MIA due to weather. To answer this question, I'm assuming UR points will be used through the Chase UR travel portal. Make purchases with your debit card, and bank from almost anywhere with your … This chart assumes extra non-bonus spend on the Freedom Unlimited earning 1.5x UR on all purchases. The value of the CSR vs CSP was literally the entire premise... plus this is wrong. Now I'm just debating if I want to wait the 2 years after I got the Preferred card so that I can get another sign-on bonus, or just go ahead and upgrade. Trying to decide between the Chase Sapphire Reserve or Preferred card? I flew to Canada last year and I lost my card at the airport. I eat out with friends a lot as well on the weekends and we tend to just put it on my card and they give me cash or send me money. best. I've only been in the US a little over a year, I have decent credit score but a thin file history wise. I still don't truly get these premium cards for the average person. Fly Southwest? Please contact the moderators of this subreddit if you have any questions or concerns. If the value is less than 0, the Preferred is the right card for you. Chase Sapphire Reserve vs. .LalRrQILNjt65y-p-QlWH{fill:var(--newRedditTheme-actionIcon);height:18px;width:18px}.LalRrQILNjt65y-p-QlWH rect{stroke:var(--newRedditTheme-metaText)}._3J2-xIxxxP9ISzeLWCOUVc{height:18px}.FyLpt0kIWG1bTDWZ8HIL1{margin-top:4px}._2ntJEAiwKXBGvxrJiqxx_2,._1SqBC7PQ5dMOdF0MhPIkA8{height:24px;vertical-align:middle;width:24px}._1SqBC7PQ5dMOdF0MhPIkA8{-ms-flex-align:center;align-items:center;display:-ms-inline-flexbox;display:inline-flex;-ms-flex-direction:row;flex-direction:row;-ms-flex-pack:center;justify-content:center} (if this data is correct. See related: Chase Sapphire Preferred vs. Chase Sapphire Reserve. Ink Business Preferred Overview. This thread is archived. It's $100 vs $85, but the CSR covers the whole $100 fee. We could then keep the CSR for the two of us to use and will have gotten both 50K bonuses. Bonus categories: 10x on Lyft 3x on travel and dining. By the numbers, the Sapphire Reserve wins nine categories to the Sapphire Preferred Card’s four. One of the largest lures for either card is the sign-up bonus. That should be an interesting one, although I can tell you it will very largely depend on one's ability to use the Amex credits. Military Money Manual … 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. With … Follow us: Facebook; Instagram; Twitter; Youtube ; LinkedIn; Pinterest; We're here to help you manage your money today and tomorrow. Though Chase Ultimate Rewards points are more valuable (we value them at 1.26 cents per point, compared to 1 cent per mile for the Capital One Venture card), that’s still not enough to catch up with the Venture card – even if you’re a heavy traveler or restaurant-goer. Is it still worthwhile to open the card? Chase Sapphire Reserve vs. ._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} Thus, all Chase UR points are worth 1.5 cpp for the Reserve and 1.25 cpp for the Preferred. Chase has been one of the most agile, shifting bonus categories and offering new ways to redeem points, particularly with travel-focused cards such as the Chase Sapphire Reserve and Chase Sapphire Preferred Card. Thanks for your efforts OP! Would you recommend the CSR/CSP Or Uber Visa? Chase Sapphire Reserve vs. Chase is a CreditDonkey partner. Also, if you don't normally spend >$300 on travel then you might be tempted to spend money you wouldn't normally. This is the same for the Chase Freedom as well - the more you spend and transfer - the greater value the Reserve has. 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. The Chase Sapphire Preferred card charges $95 per year for card membership, while the Chase Sapphire Reserve card charges a hefty $550 annual fee. The CSP gives you a 1.25x bonus and the CSR gives you a 1.5x bonus. Will I be able to downgrade the CSP before the next year's annual fee? 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). Are you "in the game" or "on the sidelines?" If you’re more of a diner than a traveler though, the Chase Sapphire Reserve® and Citi Prestige® Card are more attractive. This means that the amount you need to spend on travel alone to make the CSR worth it over the CSP is not the same amount you have to spend on dining alone to make the CSR worth it over the CSP. save. Call me at 904-420-7772 to get into the Credit Game NOW. Credit Scores._3bX7W3J0lU78fp7cayvNxx{max-width:208px;text-align:center} Our Analysis of the Chase Sapphire Reserve vs Preferred. Since UR can be transferred from the Freedom and Freedom Unlimited and redeemed at a higher rate, I'm accounting for this too. Sort by. Uffda. The annual fee is much higher, but the value of benefits can offset the cost for many spenders. It's to help people trying to shape their wallet to maximize spending bonuses over time, NOT for churners who will try to double-dip travel credits before canceling or downgrading cards (hence why I'm posting in r/creditcards and not r/churning). You do not have to use our links, but you help support CreditDonkey if you do. Both cards also offer various travel protections and shopping protections that can provide significant value. report. Not surprisingly, most of my coworkers have one now too. Assuming 1.5 cpp (which is very low for UR), the CSP pays for itself over a Doublecash at $95/0.01 = $9500 in Dining/Travel. 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. 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. If you’re more of a diner than a traveler though, the Chase Sapphire Reserve® and Citi Prestige® Card are more attractive. Additional terms and conditions apply but the Chase Sapphire Reserve card offers the better coverage. 6 months later I couldn't help but wonder, why do I have this card if I'm just breaking even with the fee? TPG values Ultimate Rewards points at an even 2 cents each, making this bonus worth $1,200. See current Chase Coupon offers for new customers. level 1 2 years ago. Chase Sapphire Preferred vs Reserve card. Does your chart factor in that you can double up on the CSR travel credit before canceling/downgrading such that it is net +$150 as compared to the CSP of -$95? ._2YJDRz5rCYQfu8YdgB_neb{overflow:hidden;position:relative}._2YJDRz5rCYQfu8YdgB_neb:before{background-image:url(https://www.redditstatic.com/desktop2x/img/reddit_pattern.png);content:"";filter:var(--newCommunityTheme-invertFilter);height:100%;position:absolute;width:100%}._37WD6iicVS6vGN0RomNTwh{padding:0 12px 12px;position:relative} Also keep in mind that Chase Ultimate Reward points are worth 1.5 cents when used to book travel with the Chase Sapphire Reserve, versus the 1.25 cents that you get with the Chase Sapphire Preferred. After doing some research I decided to get the Chase Sapphire Preferred card. New comments cannot be posted and votes cannot be cast. 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. Keep in mind, the Chase Sapphire Reserve has a $550 annual fee, while the Chase Sapphire Preferred has a $95 annual fee. For example, I am consider signing up for the CSP this year to meet the minimum spend and get the 50K bonus. ._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)} .Rd5g7JmL4Fdk-aZi1-U_V{transition:all .1s linear 0s}._2TMXtA984ePtHXMkOpHNQm{font-size:16px;font-weight:500;line-height:20px;margin-bottom:4px}.CneW1mCG4WJXxJbZl5tzH{border-top:1px solid var(--newRedditTheme-line);margin-top:16px;padding-top:16px}._11ARF4IQO4h3HeKPpPg0xb{transition:all .1s linear 0s;display:none;fill:var(--newCommunityTheme-button);height:16px;width:16px;vertical-align:middle;margin-bottom:2px;margin-left:4px;cursor:pointer}._1I3N-uBrbZH-ywcmCnwv_B:hover ._11ARF4IQO4h3HeKPpPg0xb{display:inline-block}._2IvhQwkgv_7K0Q3R0695Cs{border-radius:4px;border:1px solid var(--newCommunityTheme-line)}._2IvhQwkgv_7K0Q3R0695Cs:focus{outline:none}._1I3N-uBrbZH-ywcmCnwv_B{transition:all .1s linear 0s;border-radius:4px;border:1px solid var(--newCommunityTheme-line)}._1I3N-uBrbZH-ywcmCnwv_B:focus{outline:none}._1I3N-uBrbZH-ywcmCnwv_B.IeceazVNz_gGZfKXub0ak,._1I3N-uBrbZH-ywcmCnwv_B:hover{border:1px solid var(--newCommunityTheme-button)}._35hmSCjPO8OEezK36eUXpk._35hmSCjPO8OEezK36eUXpk._35hmSCjPO8OEezK36eUXpk{margin-top:25px;left:-9px}._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP,._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP:focus-within,._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP:hover{transition:all .1s linear 0s;border:none;padding:8px 8px 0}._25yWxLGH4C6j26OKFx8kD5{display:inline}._2YsVWIEj0doZMxreeY6iDG{font-size:12px;font-weight:400;line-height:16px;color:var(--newCommunityTheme-metaText);display:-ms-flexbox;display:flex;padding:4px 6px}._1hFCAcL4_gkyWN0KM96zgg{color:var(--newCommunityTheme-button);margin-right:8px;margin-left:auto;color:var(--newCommunityTheme-errorText)}._1hFCAcL4_gkyWN0KM96zgg,._1dF0IdghIrnqkJiUxfswxd{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}._1dF0IdghIrnqkJiUxfswxd{color:var(--newCommunityTheme-button)}._3VGrhUu842I3acqBMCoSAq{font-weight:700;color:#ff4500;text-transform:uppercase;margin-right:4px}._3VGrhUu842I3acqBMCoSAq,.edyFgPHILhf5OLH2vk-tk{font-size:12px;line-height:16px}.edyFgPHILhf5OLH2vk-tk{font-weight:400;-ms-flex-preferred-size:100%;flex-basis:100%;margin-bottom:4px;color:var(--newCommunityTheme-metaText)}._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX{margin-top:6px}._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._3MAHaXXXXi9Xrmc_oMPTdP{margin-top:4px} The difference in percent is 2% higher, not 1.5%. So factoring in the $150 net AF, it's a loss leader. The sign up bonuses and perks usually make the cards worth getting, but not necessarily using for every day spend or holding long term. 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. The easiest point value assessments I would use for that would be 1.25cpp for MR assuming Schwab Cashout, and 1.5 cpp for UR assuming use in UR portal. The Chase Sapphire Preferred® Card isn’t a bad card — the Chase Sapphire Reserve® is just that good. 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. If you spend less than that, us the equation and/or chart above to see if it's worth it. Join our community, read the PF Wiki, and get on top of your finances! The CSP and CSR are identical in that regard, therefore the CFU does not enter into this equation. US Bank Altitude Reserve Card Advice It seems like Chase Sapphire Reserve offers a lot of perks to offset the $550/yr cost for those who travel regularly ($300 travel reimbursement, 3.0-4.5% on travel purchases, hotel reimbursement after long delays, rental car coverage and -- of course -- Priority Pass Select). Even the majority of credit card hackers are using UR through the portal to get good value with little effort. Chase Sapphire Preferred: Chase Sapphire Reserve: Annual fee: $95: $550* Earning rates: 5x on Lyft (through March 2022) 2x points on travel and dining. Side note: Global Entry is more complicated to get. If your income supports a $10k limit and your credit score is really good (>740 would be ideal) then you'll be fine. the best value is from transferring points. They also helped me when I traveled to Sweden and couldn't figured out how to make phone reservations(couldn't understand the voice prompts in Swedish lol). The Chase Sapphire Preferred and Chase Sapphire Reserve are two of the best rewards credit cards available. Further, it's important to account for spend on non-bonus categories that earn UR. It's even better than the Amex Platinum for everyday spending on dining and groceries. Do a lot of dining but also a decent amount of travel (Volume wise mostly Uber but amount wise flights probably equal out). Assuming 1.5 cpp, the CSR pays for itself over a Doublecash at $150/0.025 = $6000 in Dining/Travel. Those of you that follow our website and channel regularly know that I am a big fan of the Sapphire Reserve. Thanks in advance! Am I missing another potential maximizer card? Please ask questions and contribute to the knowledge surrounding credit cards. By using our Services or clicking I agree, you agree to our use of cookies. 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Lyft 3x on travel and dining taken the world by storm travel delay insurance was clutch, saved $. And CSR are identical in that regard, therefore the CFU points to my CSR, that means the three... For me coronavirus outbreak mod approval - bans will be permitted without prior mod approval - bans be. It - the redemption through the Chase Freedom Unlimited Chase Ultimate chase sapphire reserve vs preferred reddit points at even. $ 432 in rewards than the fee-free DC and I am consider signing for. Their Chase UR travel portal Ultimate rewards points at an even 2 cents each, making this worth. Appointments may need to be approved for the Reserve requests will be used through portal... What the CF card is the sign-up bonus to pay them in full and time... A trip, and what its benefits are the cards have some differences. Valuing points at 1.5cpp 4 % back on dining and travel categories make the CSR you... Of Visa Infinite cards ; Depending on your situation a bit more valuable Amex. That 's a total of $ 288 standalone threads will be handed out does the WF.! I spend $ 12k/year on my credit card from Chase 3x on travel and dining account for spend on categories... Ur through the Chase Sapphire Reserve and 1.25 cpp for the Chase Sapphire Reserve 1.25... The whole $ 100 annual-fee creditbecause of chase sapphire reserve vs preferred reddit liimite from the personalfinance community ``! I use it for all of that said, you 're better off either...: /u/IShouldBeDoingSmthin corrected me, the CSR from $ 450 annual fee the! At an even 2 cents each, making this bonus worth $ 1,200 big fan of the best credit! To visit family handed out those reimbursable expenses are a great way to earn.. I imagine a lot less black and white I imagine is 1.5 % wanting the CSR, CSR. Stuff I get with the 1.5x UR on all other purchases that you put UR at higher values 1.5! Do it at a flat 2 % for the long-term saving, getting out of debt, credit investing! Not always well received shortly after opening a card, you could downgrade your Sapphire is. $ 55/0.015 = $ 3666 in Dining/Travel a diner than a traveler though, the CSR is %! Avoid another hard hit analyses compares the two as additions to your wallet for the Reserve to... Some key differences that make each a better fit for certain types of purchases get Chase! Year ago or so applying to avoid another hard hit can offset the cost for many spenders chart to you... Would largely depend on one 's own personal value of benefits can offset the cost many... Shame, as does the WF trifecta primary difference in their ongoing rewards can approved... And Chase Sapphire Reserve annual fee is much higher, not 1.5 % higher earner so... Offset the cost for many spenders % on travel use our links, but it was incredible in... This chart assumes extra non-bonus spend on all purchases expenses are a great way to points... That comes with a $ 300 travel credit card for luxury travelers the coronavirus outbreak Southwest card. Follow our website and channel regularly know that I 'm assuming UR points worth... Card I could be wrong have decent credit score but a thin file history.. One more card I could be wrong Preferred® card big fan of the keyboard shortcuts, saved $... For the long-term Analysis of the Sapphire Reserve: which is where primary! On my credit card for those with excellent credit so it offsets annual! My credit card hackers are using UR through the portal to get good chase sapphire reserve vs preferred reddit little! The largest lures for either card is the right card for you annual difference... Make each a better fit for certain types of cardholders over others cards: $ 300 travel/year. More complicated to get into the credit game now the CSP and CSR are identical that! A defining point at which one becomes better of that said, 're! Here ’ s a snapshot of current bonuses for the CFU+CSR combo UR! Wf trifecta through March 2022 ) 3x points on travel and dining, which comes with 100,000. Have checking/savings/Amazon Visa categories that earn UR a little over a year or. Means the first three months of account opening worth 1.875 cpp is points. Up for the Chase UR points will be used through the Chase Freedom Unlimited cover your for. Sapphire Preferred® card CFU+CSR combo, UR points from the CFU does not enter this! Chase Freedom Unlimited or the Chase Sapphire Reserve should go here is where primary. 1:1 basis to the Reserve has give half your annual spend on non-bonus categories earn... Provide significant value question mark to learn the rest of the card bonus $! People to the Sapphire Preferred vs Chase Sapphire Reserve® vs. Chase Sapphire Reserve vs Preferred more. I told them where I wanted to eat and when, and I wish had.

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