Chase Sapphire Preferred vs Reserve: Which is Right for You?
When it comes to travel credit cards, Chase Sapphire Preferred® and Chase Sapphire Reserve® are two of the most popular options—and for good reason. Both offer generous point-earning potential, built-in travel protections, and flexible redemption options through Chase Ultimate Rewards®. But which one fits your travel style, budget, and goals?
Let’s break it down.
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Why I Started with the Chase Sapphire Preferred®
When I first got serious about travel hacking, the Chase Sapphire Preferred® was my go-to. It had a low annual fee, a generous welcome bonus, and let me transfer points to partners like Hyatt, United, and Southwest. I used it to book flights, hotels, and even cruises—stretching every point for maximum value.
It’s perfect for beginners who want:
Low upfront cost
Strong travel protections
Access to Chase’s transfer partners
👍Check out my full breakdown of the Chase Sapphire Preferred Card - Chase Sapphire Preferred Card
Why I Upgraded to the Reserve®
Once I started traveling more frequently—especially with cruises and international trips—I upgraded to the Chase Sapphire Reserve®. The travel delay insurance alone saved me over $700 when a snowstorm canceled our flight home from Miami -> Chase Sapphire Travel Insurance
It’s ideal for travelers who want:
Premium travel protections (trip delay, baggage loss, medical evacuation)
Priority Pass lounge access
$300 annual travel credit
👍Check out my full breakdown of the Chase Sapphire Reserve Card - Benefits Chase Sapphire Reserve
Travel Hacker Tip
If you’re just starting, the Preferred® is a smart entry point. You can always upgrade later once your travel volume increases. And if you’re booking big trips with points—like cruises, international flights, or luxury hotels—the Reserve® can pay for itself with perks and protections.
🌎 Wondering where points can take you? Here’s where I’ve gone using miles, points, and clever hacks. See My Redemptions → Real Points & Miles Adventures
Final Thoughts
Both Chase Sapphire cards offer incredible value—but the right one depends on your travel style. If you’re a casual traveler or just starting your points journey, the Preferred® gives you flexibility without the high fee. If you’re a frequent flyer, cruiser, or international adventurer, the Reserve® unlocks premium perks that can save you money and elevate your experience.
Let’s Travel Hack Together
If you enjoy learning how we travel as a family using points, miles, and smart credit card strategies, I’d love for you to follow along:
