Chase Sapphire Most popular vs. Sapphire Reserve: Do you have to go mid-tier or premium?

The Chase Sapphire Reserve and the Chase Sapphire Most popular Card are two of essentially the most talked-about journey bank cards in the marketplace. That is due to the precious Final Rewards program, top-notch advantages and nice journey protections. However which one is one of the best match for you?

You would possibly assume that the Chase Sapphire Reserve — with the next annual price and extra luxurious advantages — is at all times the higher selection. It’s the higher-tier card, however that won’t essentially imply it is your only option. Relying in your spending habits, journey objectives and current bank card lineup, the Sapphire Most popular could possibly be the extra enticing possibility to your pockets.

We’ll examine the 2 playing cards beneath that can assist you make one of the best resolution.

Sapphire Most popular vs. Sapphire Reserve comparability

Card

Chase Sapphire Most popular

Chase Sapphire Reserve

Annual price $95 $550
Incomes charges 5 factors per greenback on journey bought by way of the Final Rewards portal

5 factors per greenback on Lyft by way of March 2025

5 factors per greenback on Peloton gear and accent purchases over $150 or extra with a most earn of 25,000 complete factors by way of March 2025

3 factors per greenback on eating at eating places worldwide, on-line grocery purchases, and choose streaming companies

2 factors per greenback on all different journey

1 level per greenback on every thing else

10 factors per greenback on lodges, automotive leases and Chase Eating bought by way of the Final Rewards portal

10 factors per greenback on Lyft by way of March 2025

10 factors per greenback on Peloton gear and accent purchases over $150 with a most earn of fifty,000 complete factors by way of March 2025

5 factors per greenback on flights bought by way of the Final Rewards portal

3 factors per greenback on eating and all different journey

1 level per greenback on every thing else

Signal-up bonus 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening
Worth for Final Rewards journey redemptions 1.25 cents 1.5 cents
Advantages $50 annual final rewards resort credit score

10% anniversary factors increase

DoorDash DashPass subscription (activate by Dec. 31, 2024)

Six-month complimentary Instacart+ membership (activate by July 31, 2024) and as much as $15 in Instacart assertion credit every quarter (by way of July 2024)

 

$300 annual journey credit score

World Entry, TSA PreCheck or Nexus price credit score (as much as $100) each 4 years

Complimentary two-year Lyft Pink All Entry membership (activate by Dec. 31, 2024)

DoorDash DashPass subscription (activate by Dec. 31, 2024) and $5 in DoorDash credit every month

One-year complimentary Instacart+ membership (activate by July 31, 2024) and as much as $15 in Instacart assertion credit per 30 days (by way of July 2024)

Entry to Chase Luxurious Lodge & Resort Assortment

Lounge entry None Precedence Go lounges

Sapphire Lounges

Approved person price $0 $75 for every person per 12 months

Sapphire Most popular vs. Sapphire Reserve welcome bonus

At the moment, the Sapphire Most popular and Sapphire Reserve have an an identical welcome bonus of 60,000 factors after you spend $4,000 within the first three months from account opening.

THE POINTS GUY

TPG values Chase Final Rewards factors at 2.05 cents every, making these bonuses value $1,230.

However take into account that you are solely eligible for a welcome bonus on considered one of these playing cards if you have not acquired a bonus from considered one of them throughout the previous 48 months. Moreover, each playing cards are topic to Chase’s 5/24 rule, so ensure you’re eligible for each the cardboard and its bonus earlier than making use of.

Winner: Tie. Each playing cards at present have an identical welcome bonuses.

Associated: One of the best time to use for these Chase playing cards primarily based on their provide historical past

Sapphire Most popular vs. Sapphire Reserve advantages

The distinction in advantages is the place the Sapphire Reserve shines. With it, you may get a $300 annual journey credit score, entry to Chase Lounges and Precedence Go lounges and a World Entry, TSA PreCheck or Nexus price credit score of as much as $100 each 4 years.

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Moreover, the Sapphire Reserve comes with a complimentary two-year Lyft Pink All Entry membership (activate by Dec. 31, 2024), complimentary DoorDash DashPass subscription for a minimum of one 12 months (activate by Dec. 31, 2024) in addition to $5 in DoorDash credit every month, one 12 months of complimentary Instacart+ (activate by July 31, 2024) and as much as $15 in Instacart assertion credit per 30 days by way of July 2024.

Plus, the Sapphire Reserve will get you entry to Chase’s Luxurious Lodge & Resort Assortment, which incorporates advantages like day by day breakfast for 2 and a $100 on-property credit score for every reserving.

ANCHIY/GETTY IMAGES

Nonetheless, the Sapphire Most popular comes with a handful of advantages. With it, you may get a $50 resort credit score annual Final Rewards resort credit score and an account anniversary factors bonus of 10% of the full purchases you made that 12 months. You may additionally get a complimentary DoorDash DashPass subscription for a minimum of one 12 months (activate by Dec. 31, 2024), six months of complimentary Instacart+ membership (activate by July 31, 2024) and as much as $15 in Instacart assertion credit every quarter by way of July 2024.

Whereas each playing cards include spectacular journey and buy protections, the Sapphire Reserve’s protections are extra substantial. For instance, journey cancellation insurance coverage on the Sapphire Most popular covers as much as $10,000 per coated journey, whereas the Sapphire Reserve covers as much as $20,000 per coated journey. The Sapphire Reserve additionally presents elevated protection for rental automotive insurance coverage, journey delay safety, emergency medical and dental insurance coverage, and buy safety.

Winner: Sapphire Reserve. The journey credit score, airport lounge entry and elevated journey protections are exhausting to beat.

Associated: Is the Chase Sapphire Reserve well worth the annual price?

Incomes factors with the Sapphire Most popular vs. Sapphire Reserve

The Sapphire Most popular earns 5 factors per greenback on journey booked by way of Chase Final Rewards, Lyft rides (by way of March 2025) and Peloton gear and accent purchases over $150 (with a max earn of 25,000 complete factors, by way of March 2025). It additionally earns three factors per greenback on eating, on-line grocery and choose streaming purchases, in addition to two factors per greenback on eligible journey purchases and one level per greenback on all different purchases.

MILJAN ŽIVKOVIĆ/GETTY IMAGES

The Sapphire Reserve, in the meantime, earns 10 factors per greenback on lodges, automotive leases and Chase Eating bought by way of the Final Rewards portal, Lyft rides (by way of March 2025) and Peloton gear and accent purchases over $150 (with a max earn of fifty,000 complete factors, by way of March 2025). It earns 5 factors per greenback on flights bought by way of the Final Rewards portal, three factors per greenback on eating and journey purchases and one level per greenback on all different purchases.

Winner: Sapphire Reserve. It earns greater than the Most popular in most bonus classes.

Associated: Which purchases rely as journey with the Chase Sapphire Most popular and Chase Sapphire Reserve?

Redeeming factors with the Sapphire Most popular vs. Sapphire Reserve

Since each the Sapphire Most popular and the Sapphire Reserve earn Chase Final Rewards factors, you may have the identical redemption choices with both card. Your most precious redemption possibility is to switch them to any of Chase’s 14 airline and resort companions for essentially the most worth, however it’s also possible to use them to guide journey by way of the Final Rewards portal or use Chase’s Pay Your self Again possibility.

Moreover, you’ll be able to redeem your factors for money again or reward playing cards, however you may get a decrease worth out of your factors going this route, so we advocate utilizing your factors for journey when you’ll be able to.

CARLO PREARO/EYEEM/GETTY IMAGES

Nevertheless, for those who’re redeeming your factors by way of the Final Rewards portal or utilizing Chase Pay Your self Again, your factors are value extra with the Sapphire Reserve. With it, you may get a worth of 1.5 cents per level, whilst you’ll solely get a worth of 1.25 cents per level with the Sapphire Most popular.

Winner: Sapphire Reserve. The upper redemption worth by way of the Final Rewards portal and Pay Your self Again give the Reserve an edge.

Associated: The right way to redeem Chase Final Rewards for max worth

Transferring factors with the Sapphire Most popular vs. Sapphire Reserve

Each the Sapphire Most popular and Sapphire Reserve permit you to switch your factors to any of Chase’s 14 journey companions. A few of the most precious companions embody Air France-KLM Flying Blue, Air Canada Aeroplan and World of Hyatt.

JORDAN WALLER/THE POINTS GUY

As a price range traveler, I really like transferring my factors to World of Hyatt and stretching them by staying at Class 1 Hyatt properties as a lot as attainable. I additionally regularly switch my factors to Southwest Fast Rewards and get nice worth from my factors by benefiting from their frequent gross sales.

Winner: Tie. You may get the identical switch choices with both card.

Associated: The entire information to Chase Final Rewards switch companions

Ought to I get the Sapphire Most popular or the Sapphire Reserve?

For those who can benefit from the annual journey credit score and do not have one other card that features airport lounge entry, you may nearly actually get essentially the most worth from the Sapphire Reserve. Nevertheless, if you wish to maintain your annual price prices low or do not journey a lot, the Sapphire Most popular gives you good incomes charges and redemption choices for a a lot decrease annual price.

Associated: 11 causes to decide on the Sapphire Most popular over the Sapphire Reserve

The right way to improve from the Sapphire Most popular to the Sapphire Reserve

When you have the Sapphire Most popular and need the Sapphire Reserve as an alternative, one of the best technique is to first downgrade your Most popular to a no-annual-fee Chase card just like the Chase Freedom Limitless®. You’ll be able to request this by calling the quantity on the again of your card. Then, you’ll be able to apply for the Sapphire Reserve and earn the welcome bonus, so long as you’re beneath Chase’s 5/24 rule and didn’t earn the bonus in your Chase Sapphire Most popular lower than 48 months in the past.

MORSA IMAGES/GETTY IMAGES

Likewise, you’ll be able to downgrade your Reserve to a Most popular card by calling the quantity on the again of your card. Nevertheless, you’ll miss out on the welcome bonus on the Most popular, so it is higher to downgrade your Reserve to a no-annual-fee card first after which submit a brand new utility for the Most popular to earn the welcome bonus so so long as you didn’t earn the welcome bonus on the Sapphire Reserve lower than 48 months prior.

It’s also possible to request a product change from both card to the opposite by calling the quantity on the again of your card. Nevertheless, by going this route, you may forfeit incomes a welcome bonus in your new card.

Associated: 5 causes to improve from the Sapphire Most popular to the Sapphire Reserve

Backside line

The Chase Sapphire Most popular and Chase Sapphire Reserve are TPG favorites for his or her robust incomes charges, in depth journey protections and helpful switch companions. Which card is best for you relies on your journey objectives and spending habits, however you’ll be able to’t go incorrect with both card.

For extra particulars, please see our full opinions of the Chase Sapphire Most popular and Chase Sapphire Reserve.


Apply right here: Chase Sapphire Most popular Card

Apply right here: Chase Sapphire Reserve


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