Chase Sapphire Preferred vs Chase Sapphire Reserve: which fits your plan?
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Chase Sapphire Preferred has higher estimated first-year value after fees ($928) than Chase Sapphire Reserve ($755), using travel redemption. Chase Sapphire Preferred has the lower annual fee at $95, compared with $795 for Chase Sapphire Reserve. Reported by applicants: Chase Sapphire Preferred and Chase Sapphire Reserve share Chase's application timing rules, but no directional rule establishes a preferred order; space applications using your recent issuer history.
We compare conditional value after fees; compensation never changes rankings.
How we rank| Feature | Chase Sapphire Preferred | Chase Sapphire Reserve |
|---|---|---|
| Issuer | Chase | Chase |
| Annual fee | $95 | $795 |
| Welcome offer, terms apply | 75,000 Ultimate Rewards points | 100,000 Ultimate Rewards points |
| Required spend | $5,000 in 3 months | $6,000 in 3 months |
| First-year value after fees, estimated (travel) | $928 | $755 |
| Offer last checked | 2026-10-06 | 2026-10-06 |
Can you get both Chase Sapphire Preferred and Chase Sapphire Reserve, and in what order?
Application windows and account limits
Chase Sapphire Preferred and Chase Sapphire Reserve: Chase usually declines most applications at 5/24 or higher, based on applicant reports. Approval is never guaranteed. Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
Chase Sapphire Preferred and Chase Sapphire Reserve: Applicants report Chase pacing of roughly two cards in 30 days, usually one business card. Additional applications may be declined. Many applicants space Chase applications about 90 days apart to reduce review risk; this is community guidance.
Welcome offers and prior-card history
Chase's terms say the Chase Sapphire Preferred welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.
Chase's terms say the Chase Sapphire Reserve welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.
Chase Sapphire Preferred and Chase Sapphire Reserve: Holding the other Sapphire card does not create an automatic exclusion in the current offer terms; Chase still determines bonus eligibility.
Effect on Chase 5/24
Chase Sapphire Preferred is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Sapphire Reserve is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Application order
Reported by applicants: Chase Sapphire Preferred and Chase Sapphire Reserve share Chase's application timing rules, but no directional rule establishes a preferred order; space applications using your recent issuer history.
Chase Sapphire Preferred and Chase Sapphire Reserve: current offers
Chase Sapphire Preferred
Welcome offer: 75,000 Ultimate Rewards points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $928.
Last checked: .
Chase Sapphire Reserve
Welcome offer: 100,000 Ultimate Rewards points. Annual fee: $795. Terms apply.
First-year value after fees (travel redemption), estimated: $755.
Last checked: .
Can I get both the Chase Sapphire Preferred and the Chase Sapphire Reserve welcome offers?
Chase Sapphire Preferred and Chase Sapphire Reserve have product-specific welcome-offer checks for previous cards or bonuses. Passing an application timing check does not establish welcome-offer eligibility.
Which should come first: Chase Sapphire Preferred or Chase Sapphire Reserve?
No directional offer rule gives Chase Sapphire Preferred and Chase Sapphire Reserve a preferred order. Start with your recent Chase applications and each product's current terms.
How would Chase Sapphire Preferred and Chase Sapphire Reserve affect my Chase count?
Opening Chase Sapphire Preferred or Chase Sapphire Reserve increases the personal-account count used for Chase's reported 5/24 rule for 24 months. Closing a recent account does not remove that account from the count.
Estimate assumptions and ranking questions →