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. Oh jeez really? 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". Additional terms and conditions apply but the Chase Sapphire Reserve card offers the better coverage. The Citi Prestige® Card also gets you five points per $1 … CSR is amazing. Thanks in advance! Trying to decide between the Chase Sapphire Reserve or Preferred card? Chase Sapphire Preferred is offering 50k points and no fee for first year again. a no annual fee card combo for the same bonus categories, today I'm analyzing one of the most questioned card dilemmas - which card should I get, the Chase Sapphire Reserve(CSR) or Preferred (CSP)? Reserve’s bonus rate is 3 points per $1 spent, while Preferred gives you just 2 points per $1. Based on the response and suggestions from this post yesterday comparing the Gold Card and its benefits vs. The Chase Sapphire Reserve card provides primary car rental coverage while the Amex Platinum card offers secondary coverage. Since arriving on the scene in summer 2016, the Chase Sapphire Reserve® card has taken the world by storm. If you are only approved for 2 of them, then each combo of 2 has a defining point at which one becomes better. Further, it's important to account for spend on non-bonus categories that earn UR. Chase Sapphire Preferred vs Chase Sapphire Reserve – Sign Up Bonus. By the numbers, the Sapphire Reserve wins nine categories to the Sapphire Preferred Card’s four. 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. Will I be able to downgrade the CSP before the next year's annual fee? 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. Why? They’re both outstanding travel cards with benefits that easily outweigh their annual fees. All discussion about the Chase Sapphire Reserve should go here. If people are nickel and diming everything to squeeze out every penny, they’re not the ones that need to see this analysis, lol did you even read anything in the post? They’re both outstanding travel cards with benefits that easily outweigh their annual fees._1PeZajQI0Wm8P3B45yshR This is very flexible and easy to use, so it offsets the annual fee of the CSR from $450 to $150. You basically have to do it at a major international airport and the appointments may need to be scheduled months ahead of time. Both earn Chase Ultimate Rewards (UR points). I've started getting mailers from Chase telling me to get the CSP and the CFU. It's a flexible redemption system that allows one to book hotels, flights, activities, rental cars, etc. Thanks in advance! The protections offered by the Sapphire Reserve have higher limits and kick in sooner for some benefits - but for simplicity, I won’t consider those differences when comparing the cards. Are you "in the game" or "on the sidelines?" Background on both of these cards. How does it compare to Chase Sapphire Preferred, a travel, airline, points and restaurant credit card? Of course, everybody will weigh these categories differently. You may want to consider a Southwest credit card from Chase.
Yeah the CSR is a gold mine for business travel, all those reimbursable expenses are a great way to earn points. Conclusion: The Sapphire Preferred card never makes as much value back as the Freedom Unlimited or the Sapphire Reserve. For example, I am consider signing up for the CSP this year to meet the minimum spend and get the 50K bonus. Is there any hole in this plan that I'm not seeing? The Chase Sapphire Preferred card charges $95 per year for card membership, while the Chase Sapphire Reserve card charges a hefty $550 annual fee. Currently have a BOA Premium rewards and Authroized user on AMEX Platinum business. The 300 credit I think is card anniversary not calendar (people are on legacy calendar though) I could be wrong. 10x on Lyft (through March 2022) 3x points on travel and dining. I have it - the $95 per year pays for itself. With … When I landed at 11pm I realised it. Edit 2: as /u/xaradevir pointed out, this is depends on your situation a bit. The Chase Sapphire Reserve annual fee is going up to $550 starting January 12, 2020, a $100 increase. It would largely depend on one's own personal value of UR vs MR, which are pretty close.
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