Choosing between the Chase Sapphire Preferred Card ($95/yr) and the Chase Sapphire Reserve Business ($795/yr) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
Strongest in dining at 3%. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply NowStrongest in travel at 4%. 8x on Chase Travel, 4x on flights/hotels direct, 3x on ads.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply Now| Feature | Chase Sapphire Preferred Card | Chase Sapphire Reserve Business |
|---|---|---|
| Annual Fee | $95 | $795 |
| Sign-Up Bonus | 100,000 points after $5,000 spend in 3 months | 200,000 points after $30,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 2% | 4% |
| Dining Rewards | 3% | 1% |
| Groceries Rewards | 3% | 1% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 2%. |
8% through Chase Travel Earns 8% only on travel booked through Chase Travel, Chase's own booking site. Flights and hotels booked direct earn 4%. |
| Key Benefits | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. | 8x on Chase Travel, 4x on flights/hotels direct, 3x on ads. |
Chase Sapphire Preferred Card pulls ahead for dining, groceries spending.
Chase Sapphire Reserve Business wins on travel.
The $700/year fee difference means Chase Sapphire Reserve Business needs to earn about that much more in rewards to justify its cost.
Chase Sapphire Preferred Card carries $100/year in credits (mostly tied to specific merchants or bookings), while Chase Sapphire Reserve Business carries $2,110/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.
Enter your typical monthly spending and we’ll show you exactly which card earns more, including fees and bonuses.