Editorial take: Chase Sapphire Reserve
Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.
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Side-by-side
Chase Sapphire Reserve vs Chime Credit Builder Secured Visa
Both are well-respected travel cards. The Chase Sapphire Reserve comes from Chase at $795/yr; the Chime Credit Builder Secured Visa from Chime at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Sapphire Reserve is the stronger pick today, the sign-up bonus is meaningfully larger ($2,500 more in estimated value) than the Chime Credit Builder Secured Visa's. Get the Chase Sapphire Reserve first; revisit the Chime Credit Builder Secured Visa after you've earned that bonus.
| Feature | Chase Sapphire Reserve | Chime Credit Builder Secured Visa |
|---|---|---|
| Annual fee | $795 | $0 |
| Sign-up bonus | 125,000 points | None |
| Bonus value (est.) | $2,500 | $0 |
| Min spend to unlock bonus | $6,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | Chime |
| Card category | travel | secured |
| Best earning category (Chase_travel) | 8x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
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Read the full review
Chase Sapphire Reserve
$795/yr · 125,000 points
Read the full review
Chime Credit Builder Secured Visa
$0/yr · None
Editorial take: Chime Credit Builder Secured Visa
Common questions
- Which card has the bigger sign-up bonus, Chase Sapphire Reserve or Chime Credit Builder Secured Visa?
- The Chase Sapphire Reserve has the bigger bonus, 125,000 points, worth roughly $2,500, versus None (~$0) on the Chime Credit Builder Secured Visa.
- Is the Chase Sapphire Reserve's $795 annual fee worth it compared to the Chime Credit Builder Secured Visa?
- Premium cards like the Chase Sapphire Reserve ($795/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $795+ of those credits, the math works. The Chime Credit Builder Secured Visa at $0/yr trades some perks for a lower commitment.
- Can I have both the Chase Sapphire Reserve and Chime Credit Builder Secured Visa?
- Yes, since they're from different issuers (Chase and Chime) the application rules don't conflict. 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 Reserve or the Chime Credit Builder Secured Visa first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Reserve: $6,000 spend in 3 months. Chime Credit Builder Secured Visa: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.