The Sapphire Preferred ($95/year) and Sapphire Reserve ($795/year) are the two most-compared travel cards in America — and the right answer depends entirely on how you spend and which credits you'd actually use. This calculator pulls live card data (bonuses, earning rates, and credits are re-scraped regularly), applies your monthly spending, and shows the net annual value of each card with the math in the open.
The Preferred wins for most people who travel a few times a year: low fee, 3x dining, strong transfer partners. The Reserve wins if you'll genuinely use its credit stack (travel credit, dining and hotel credits) and lounge access — used fully, the credits can more than offset the $795 fee, and points are worth 25–50% more when redeemed through Chase Travel with Points Boost.
Yes — all 14 Chase transfer partners are identical on both cards. See the full list in our Chase Transfer Partners explorer.
Chase no longer allows holding two Sapphire cards or getting a Sapphire bonus if you've received one within 48 months. Pick one and pair it with a Freedom Unlimited/Flex instead.
Yes — you can product-change between Sapphire cards after the first year without a new application.
Try the Chase Points Calculator, check if the Sapphire Reserve is worth it, and see where Chase points transfer.