Chase Sapphire Preferred vs Sapphire Reserve for Business

Common questions

Which card has the bigger sign-up bonus, Chase Sapphire Preferred or Sapphire Reserve for Business?

The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus 75,000 points (~$1,500) on the Chase Sapphire Preferred.

Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the Sapphire Reserve for Business?

At $95/yr, the Chase Sapphire Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Sapphire Reserve for Business's, pick the one whose perks you'll actually use.

Can I have both the Chase Sapphire Preferred and Sapphire Reserve for Business?

Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Chase Sapphire Preferred or the Sapphire Reserve for Business first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 spend in 3 months. Sapphire Reserve for Business: $20,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.