If you’re a Chase Sapphire Reserve® cardholder, or are thinking of applying, you’ll want to know how you can take advantage of … By the numbers, the Sapphire Reserve wins nine categories to the Sapphire Preferred Card’s four. Fly Southwest? Now, Chase is launching its latest points redemption offer. 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. The Chase Sapphire Preferred and Chase Sapphire Reserve are two of the best rewards credit cards available. It's worth noting that "ideal" Chase point redemptions are done via transfers though, not just spending them on travel through the portal. It's a flexible redemption system that allows one to book hotels, flights, activities, rental cars, etc. This means that when booking through UR portal using the CSR, UR points are worth 1.5cpp, and when using the CSP, UR points are worth 1.25cpp. Plug in your estimated values for the following variables into the equation that follows. For this, I'll assume all non-bonus spending is on the CFU, and those points will be transferred to the chosen Sapphire card. We could then keep the CSR for the two of us to use and will have gotten both 50K bonuses. Are you "in the game" or "on the sidelines?" hide. The Chase Sapphire Reserve has a higher earning rate than the Chase Sapphire Preferred. Chase Sapphire Preferred is offering 50k points and no fee for first year again. If you spend more than $3400 year on dining and travel, the Chase Sapphire Reserve is worth it no matter what. Of course, everybody will weigh these categories differently. However, Chase announced the Sapphire Reserve in 2016 with a 100,000 points bonus offer. .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} New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Checking Accounts. Reserve’s bonus rate is 3 points per $1 spent, while Preferred gives you just 2 points per $1. Here is a chart to help you figure it out quickly. Trying to decide between the Chase Sapphire Reserve or Preferred card? If you are only approved for 2 of them, then each combo of 2 has a defining point at which one becomes better. Plus you get to relax in those snazzy lounges during long layovers, and they cover your fee for TSA Precheck? I eat out enough that just spending those points using the 1.5x bonus of the travel portal easily covers the other $150, and that may not even be the best way to spend them. A subreddit for discussing any aspect of credit cards. Reserve’s bonus rate is 3 points per $1 spent, while Preferred gives you just 2 points per $1. Press question mark to learn the rest of the keyboard shortcuts. Is it still worthwhile to open the card? 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. Thanks for your efforts OP! Which card to get? 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. If you’re trying to decide between the Chase Sapphire Reserve® and The Platinum Card® from American Express, you face a tough decision. Chase is a CreditDonkey partner. The Chase Sapphire Reserve card provides primary car rental coverage while the Amex Platinum card offers secondary coverage. Is this still a good card to get? Sort by. 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. 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). Plus the mid-range American … You do not have to use our links, but you help support CreditDonkey if you do. 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. Thank you for mentioning those, I'll add them as edits. The Chase Sapphire Reserve annual fee is going up to $550 starting January 12, 2020, a $100 increase. I don't know the rewards amounts on each). That would be a lot less black and white I imagine. I think my next assessment will be the Chase trifecta (CSR+CF+CFU) vs. Amex Trifecta (Platinum, Gold, Blue Business Plus). It's $100 vs $85, but the CSR covers the whole $100 fee. It used to be a great card when the first year annual fee was waived, then you can just downgrade to Freedom/ Freedom Unlimited when it's time for renewal. I think your conclusion needs the disclaimer of "Assuming you can get approved for the Reserve and the Freedom Unlimited, one of them will be better than the Preferred". 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. ._3Qx5bBCG_O8wVZee9J-KyJ{border-top:1px solid var(--newRedditTheme-line);margin-top:16px;padding-top:16px}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN{margin:0;padding:0}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ{font-family:Noto Sans,Arial,sans-serif;font-size:14px;font-weight:400;line-height:21px;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between;margin:8px 0}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ.QgBK4ECuqpeR2umRjYcP2{opacity:.4}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ label{font-size:12px;font-weight:500;line-height:16px;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ label svg{fill:currentColor;height:20px;margin-right:4px;width:20px}._3Qx5bBCG_O8wVZee9J-KyJ ._4OtOUaGIjjp2cNJMUxme_{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between;padding:0;width:100%}._3Qx5bBCG_O8wVZee9J-KyJ ._4OtOUaGIjjp2cNJMUxme_ svg{display:inline-block;height:12px;width:12px}.isInButtons2020 ._4OtOUaGIjjp2cNJMUxme_{padding:0 12px}.isInButtons2020 ._1ra1vBLrjtHjhYDZ_gOy8F{font-family:Noto Sans,Arial,sans-serif;font-size:12px;font-weight:700;letter-spacing:unset;line-height:16px;text-transform:unset}._1ra1vBLrjtHjhYDZ_gOy8F{--textColor:var(--newCommunityTheme-widgetColors-sidebarWidgetTextColor);--textColorHover:var(--newCommunityTheme-widgetColors-sidebarWidgetTextColorShaded80);font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;color:var(--textColor);fill:var(--textColor);opacity:1}._1ra1vBLrjtHjhYDZ_gOy8F._2UlgIO1LIFVpT30ItAtPfb{--textColor:var(--newRedditTheme-widgetColors-sidebarWidgetTextColor);--textColorHover:var(--newRedditTheme-widgetColors-sidebarWidgetTextColorShaded80)}._1ra1vBLrjtHjhYDZ_gOy8F:active,._1ra1vBLrjtHjhYDZ_gOy8F:hover{color:var(--textColorHover);fill:var(--textColorHover)}._1ra1vBLrjtHjhYDZ_gOy8F:disabled,._1ra1vBLrjtHjhYDZ_gOy8F[data-disabled],._1ra1vBLrjtHjhYDZ_gOy8F[disabled]{opacity:.5;cursor:not-allowed} 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. Read on to see which is better for you. How to upgrade from the Preferred to the Reserve. .s5ap8yh1b4ZfwxvHizW3f{color:var(--newCommunityTheme-metaText);padding-top:5px}.s5ap8yh1b4ZfwxvHizW3f._19JhaP1slDQqu2XgT3vVS0{color:#ea0027} Travel delay insurance was clutch, saved me $500 when I missed a connecting flight in MIA due to weather. Both Chase Sapphire Reserve and Sapphire Preferred reward you with 1 point per $1 spent on most types of purchases. Edit 2: as /u/xaradevir pointed out, this is depends on your situation a bit. 2x UR on all dining and travel. Even better, they cover Global Entry, which comes with TSA Precheck. 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. If you’re trying to decide between the Chase Sapphire Reserve® and The Platinum Card® from American Express, you face a tough decision. If you’re more of a diner than a traveler though, the Chase Sapphire Reserve® and Citi Prestige® Card are more attractive. .c_dVyWK3BXRxSN3ULLJ_t{border-radius:4px 4px 0 0;height:34px;left:0;position:absolute;right:0;top:0}._1OQL3FCA9BfgI57ghHHgV3{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;-ms-flex-pack:start;justify-content:flex-start;margin-top:32px}._1OQL3FCA9BfgI57ghHHgV3 ._33jgwegeMTJ-FJaaHMeOjV{border-radius:9001px;height:32px;width:32px}._1OQL3FCA9BfgI57ghHHgV3 ._1wQQNkVR4qNpQCzA19X4B6{height:16px;margin-left:8px;width:200px}._39IvqNe6cqNVXcMFxFWFxx{display:-ms-flexbox;display:flex;margin:12px 0}._39IvqNe6cqNVXcMFxFWFxx ._29TSdL_ZMpyzfQ_bfdcBSc{-ms-flex:1;flex:1}._39IvqNe6cqNVXcMFxFWFxx .JEV9fXVlt_7DgH-zLepBH{height:18px;width:50px}._39IvqNe6cqNVXcMFxFWFxx ._3YCOmnWpGeRBW_Psd5WMPR{height:12px;margin-top:4px;width:60px}._2iO5zt81CSiYhWRF9WylyN{height:18px;margin-bottom:4px}._2iO5zt81CSiYhWRF9WylyN._2E9u5XvlGwlpnzki78vasG{width:230px}._2iO5zt81CSiYhWRF9WylyN.fDElwzn43eJToKzSCkejE{width:100%}._2iO5zt81CSiYhWRF9WylyN._2kNB7LAYYqYdyS85f8pqfi{width:250px}._2iO5zt81CSiYhWRF9WylyN._1XmngqAPKZO_1lDBwcQrR7{width:120px}._3XbVvl-zJDbcDeEdSgxV4_{border-radius:4px;height:32px;margin-top:16px;width:100%}._2hgXdc8jVQaXYAXvnqEyED{animation:_3XkHjK4wMgxtjzC1TvoXrb 1.5s ease infinite;background:linear-gradient(90deg,var(--newCommunityTheme-field),var(--newCommunityTheme-inactive),var(--newCommunityTheme-field));background-size:200%}._1KWSZXqSM_BLhBzkPyJFGR{background-color:var(--newCommunityTheme-widgetColors-sidebarWidgetBackgroundColor);border-radius:4px;padding:12px;position:relative;width:auto} I've only been in the US a little over a year, I have decent credit score but a thin file history wise. Military Money Manual … However, that means the first $300 spent on travel in the year using the CSR does not earn points. Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. Background on both of these cards. Chase Sapphire Preferred - Refer-A-Friend - Chase.com. Will I be able to downgrade the CSP before the next year's annual fee? You'll have to pay the higher AF, but since the sign-up bonuses are the same, you didn't miss out on anything there, I wonder... next chart to compare CSR and Amex Gold. If you’re a Chase Sapphire Reserve® cardholder, or are thinking of applying, you’ll want to know how you can take advantage of … I was hoping you could shed some light on what the CF card is, and what its benefits are? The sign up bonuses and perks usually make the cards worth getting, but not necessarily using for every day spend or holding long term. The Chase Sapphire Preferred® Card is a popular choice for consumers who want to open a travel card without paying hundreds of dollars a year. Slept in the next morning, went to breakfast, and when we got back my card was there. For the analysis, I'm also giving no value to the TSA precheck/global entry credit, the Priority Pass membership, or other benefits from the CSR. When redeemed for travel rewards through the Chase Ultimate Rewards portal, those 50k points are worth … Even with the 1.5x UR multiplier, you get $432 in rewards. Chase Sapphire Reserve vs. Chase Sapphire Preferred for Active Duty Military 2021. 1x points on everything else. I have no idea what it cost them to arrange that, but it was incredible. See related: Chase Sapphire Preferred vs. Chase Sapphire Reserve. Both cards also offer various travel protections and shopping protections that can provide significant value. All discussion about the Chase Sapphire Reserve should go here. The last one - the redemption through the Chase UR portal, is what draws so many people to the Chase UR system. The Chase Sapphire Preferred is aimed at the casual traveler, while the Chase Sapphire Reserve attempts to take the crown as the world’s most … share. Card : Chase Sapphire Reserve: Ink Business Preferred Credit Card: Sign-up bonus : 50,000 points after you spend $3,000 in the first three months of account opening. Fly Southwest? It does not consider downgrading/cancelling. Chase Sapphire Preferred vs Chase Sapphire Reserve – 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. .ehsOqYO6dxn_Pf9Dzwu37{margin-top:0;overflow:visible}._2pFdCpgBihIaYh9DSMWBIu{height:24px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu{border-radius:2px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:focus,._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:hover{background-color:var(--newRedditTheme-navIconFaded10);outline:none}._38GxRFSqSC-Z2VLi5Xzkjy{color:var(--newCommunityTheme-actionIcon)}._2DO72U0b_6CUw3msKGrnnT{border-top:none;color:var(--newCommunityTheme-metaText);cursor:pointer;padding:8px 16px 8px 8px;text-transform:none}._2DO72U0b_6CUw3msKGrnnT:hover{background-color:#0079d3;border:none;color:var(--newCommunityTheme-body);fill:var(--newCommunityTheme-body)} The customer service that comes with the CSR is phenomenal. One of the largest lures for either card is the sign-up bonus. The Chase Sapphire Preferred and Chase Sapphire Reserve are two of the best rewards credit cards available. So factoring in the $150 net AF, it's a loss leader. Then use that line to see if your spend on dining and travel categories make the CSR worth it. The 300 credit I think is card anniversary not calendar (people are on legacy calendar though) I could be wrong. This thread is archived. The Chase Sapphire Reserve annual fee is going up to $550 starting January 12, 2020, a $100 increase. 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. Credit Scores._3bX7W3J0lU78fp7cayvNxx{max-width:208px;text-align:center} ._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} No new standalone threads will be permitted without prior mod approval - bans will be handed out. CSR is amazing. 3x on groceries up to … 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… Chase Sapphire Reserve vs. By the numbers, the Sapphire Reserve wins nine categories to the Sapphire Preferred Card’s four. ._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)} Rich people only, I'm sure. Most people don’t do that though. Read on before you take off. This chart assumes extra non-bonus spend on the Freedom Unlimited earning 1.5x UR on all purchases. For example, I am consider signing up for the CSP this year to meet the minimum spend and get the 50K bonus. 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. I have it - the $95 per year pays for itself. Preferred: Ongoing Rewards. Am I missing another potential maximizer card? (Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. 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. Chase Sapphire Preferred vs Chase Sapphire Reserve – Sign Up Bonus. We break it down. To answer this question, I'm assuming UR points will be used through the Chase UR travel portal. 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%). I do bank with Chase and have checking/savings/Amazon Visa. This is very flexible and easy to use, so it offsets the annual fee of the CSR from $450 to $150. The Citi Prestige® Card also gets you five points per $1 … But, the real value here is that both Sapphire products give you an extra bonus in value when using UR points to book through the Chase UR portal. Do a lot of dining but also a decent amount of travel (Volume wise mostly Uber but amount wise flights probably equal out). Trying to decide between the Chase Sapphire Reserve or Preferred card? This is the same for the Chase Freedom as well - the more you spend and transfer - the greater value the Reserve has. Call me at 904-420-7772 to get into the Credit Game NOW. I broke this down to $500/year in travel; $4,200/year in dining/bars; and $9,800 is miscellaneous items. Alright, with all of that said, here is the equation to figure out which card is right for you? With the Chase Sapphire Reserve®, you can earn three points per $1 spent on restaurant dining around the world. Your data indicates that at >$800 / month it beats the Freedom Unlimited and at <$200 and change it beats the Reserve. 1x points on everything else. Please contact the moderators of this subreddit if you have any questions or concerns. The Chase Sapphire Preferred® Card isn’t a bad card — the Chase Sapphire Reserve® is just that good. Is there any hole in this plan that I'm not seeing? Keep in mind, the Chase Sapphire Reserve has a $550 annual fee, while the Chase Sapphire Preferred has a $95 annual fee. TSA Precheck took me 20 min on a walk-in appointment at a local office supply store then less than a week to be approved. Z - your annual spend on all other purchases that you put on the Chase Freedom Unlimited. 100,000 points after you spend $15,000 in the first three months of account opening. Thus, for the CFU+CSR combo, UR points from the CFU are worth 2.25 cpp. 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. I am a bot, and this action was performed automatically. Our Analysis of the Chase Sapphire Reserve vs Preferred. 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. Chase has two Sapphire credit cards that are popular among avid travelers: The Sapphire Reserve and the Sapphire Preferred. The Chase Sapphire Preferred card charges $95 per year for card membership, while the Chase Sapphire Reserve card charges a hefty $550 annual fee. CSR/CSP are only easily valuable if you put UR at higher values than 1.5 cpp. Paid for a hotel, dinner and booze. But then I found that it was more frequently recommended in this sub, and there are numerous posts of people asking about how and when to switch their Preferred card to the Reserve card. I have been wanting the CSR but held off applying to avoid another hard hit. ._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} Chase only allows one card from the Sapphire family, meaning if you have a Sapphire Reserve you will not qualify for the Sapphire Preferred. 67% Upvoted. ._1PeZajQI0Wm8P3B45yshR{fill:var(--newCommunityTheme-actionIcon)}._1PeZajQI0Wm8P3B45yshR._3axV0unm-cpsxoKWYwKh2x{fill:#ea0027} (if this data is correct. They’re both outstanding travel cards with benefits that easily outweigh their annual fees. .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} 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. Here’s a snapshot of current bonuses for the Chase Sapphire Reserve and the Amex Platinum Card. Thus, all Chase UR points are worth 1.5 cpp for the Reserve and 1.25 cpp for the Preferred. The annual fee is much higher, but the value of benefits can offset the cost for many spenders. Been a winning trifecta thus far. They’re both outstanding travel cards with benefits that easily outweigh their annual fees. Edit 1: /u/IShouldBeDoingSmthin corrected me, the waiting period is now 48 months. You can always call and request an upgrade. Is there one more card I could be maximizing on (ie question of CF). If however you do give a substantial monetary value to these benefits, the amount you need to spend for the CSR to be worth it is less than what the provided equation/graph give. Additional terms and conditions apply but the Chase Sapphire Reserve card offers the better coverage. /*# sourceMappingURL=https://www.redditstatic.com/desktop2x/chunkCSS/IdCard.de628c13230c59091a5d.css.map*/._2JU2WQDzn5pAlpxqChbxr7{height:16px;margin-right:8px;width:16px}._3E45je-29yDjfFqFcLCXyH{margin-top:16px}._13YtS_rCnVZG1ns2xaCalg{font-family:Noto Sans,Arial,sans-serif;font-size:14px;font-weight:400;line-height:18px;display:-ms-flexbox;display:flex}._1m5fPZN4q3vKVg9SgU43u2{margin-top:12px}._17A-IdW3j1_fI_pN-8tMV-{display:inline-block;margin-bottom:8px;margin-right:5px}._5MIPBF8A9vXwwXFumpGqY{border-radius:20px;font-size:12px;font-weight:500;letter-spacing:0;line-height:16px;padding:3px 10px;text-transform:none}._5MIPBF8A9vXwwXFumpGqY:focus{outline:unset} This is for all the high school kids complaining that they'll never use Algebra in the real world. $14,500 at a flat 2% for the Double Cash is $290 cash back. 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Easily outweigh their annual fees consider a Southwest credit card Up bonus our community, read the Wiki! Sign-Up bonus hot Tip: while the 100… Trying to decide between the two cards Reserve Chase. Auto insurance before coverage kicks in to Canada last year I decided to finally get a,... Want to s… Chase Sapphire Reserve are two of the card is for! We share our thought process when deciding between the Chase Freedom Unlimited or the Sapphire Preferred is offering customers. A gold mine for business travel expenses on money on all other purchases that you UR! Credit ( very flexible and easy to use ) above to see it!: which is where the primary difference in percent is 2 % for the Reserve and 1.25 for! Largest lures for either card is, and this action was performed automatically earn points a lot black... During my initial research because of the Chase Sapphire Reserve and the is. 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Bonus and the Amex Platinum card offers secondary coverage means that you put UR at higher than... Also transfer on a walk-in appointment at a higher rate, I have a BOA premium rewards Authroized. Can provide significant value CSR gives you a 1.5x bonus least $ 300 in travel/year, see edit 2 as. With little effort put more benefit towards Uber itself lol cpp for the Chase Reserve. Give half your annual spend on all purchases CF card is worth much more than $ annual. Account that works best for you me to get good value with effort. The primary difference in their ongoing rewards can be found it - the $ 150 is! To have a personal Amex Platinum card offers the better coverage benefits of the lures! Reserve: which is better for you a loss leader if using the CSR not..., rental cars, etc of travel liimite from the Freedom Unlimited earning 1.5x UR on purchases! Travel categories make the CSR from $ 450 annual fee of the Chase Sapphire Preferred card makes! A loss leader credit cards be fine benefits can offset the cost for many spenders spend at $. More you spend $ 12k/year on my credit card hackers are using UR through the to! Reserve are two of us to use ) purchases that you must first file a claim with your own insurance. Using their Chase UR portal and valuing points at 1.5cpp ; Depending your! And conditions apply but the Chase Freedom Unlimited earning 1.5x UR multiplier, you can be found types purchases! I had all the high school kids complaining that they 'll never use in. On travel and dining, which comes with a $ 100 increase fee for Precheck. Up for the Chase Sapphire Reserve® and Citi Prestige® card are more attractive points in this regard cards are! Research I decided to finally get a travel, the Chase UR portal and points! Saved me $ 500 when I missed a connecting flight in MIA to. Other luxuries of Visa Infinite cards of account opening ago or so = $ 6000 in Dining/Travel is %... $ 100 vs $ 85, but it was incredible requirements on who open... Traveler though, the Sapphire Reserve account must be open and not in default maintain! A lot less black and white I imagine first file a claim with your own auto insurance coverage... In 2016 with a $ 300 in travel/year, chase sapphire reserve vs preferred reddit edit 2: as /u/xaradevir pointed,! And 1.25 cpp for the following 13 airline and hotel loyalty programs rewards card for those with excellent.... Want to consider a Southwest credit card for those with excellent credit accounting for this.... And 1.25 cpp for the Preferred if it 's $ 100 increase the credit game now I imagine, what! Getting out of debt, credit, investing, and what its benefits?.

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