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 Navy Federal More Rewards / Flagship Rewards
Both are travel travel cards. The Chase Sapphire Reserve comes from Chase at $795/yr; the Navy Federal More Rewards / Flagship Rewards from Navy Federal Credit Union at $49/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 ($2,150 more in estimated value) than the Navy Federal More Rewards / Flagship Rewards's. Get the Chase Sapphire Reserve first; revisit the Navy Federal More Rewards / Flagship Rewards after you've earned that bonus.
| Feature | Chase Sapphire Reserve | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $795 | $49 |
| Sign-up bonus | 125,000 points | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | $2,500 | $350 |
| Min spend to unlock bonus | $6,000 in 3 mo | $3,500 in ? mo |
| Issuer | Chase | Navy Federal Credit Union |
| Card category | travel | travel |
| 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
Navy Federal More Rewards / Flagship Rewards
$49/yr · 35,000 bonus points (a $350 value)
Editorial take: Navy Federal More Rewards / Flagship Rewards
Common questions
- Which card has the bigger sign-up bonus, Chase Sapphire Reserve or Navy Federal More Rewards / Flagship Rewards?
- The Chase Sapphire Reserve has the bigger bonus, 125,000 points, worth roughly $2,500, versus 35,000 bonus points (a $350 value) (~$350) on the Navy Federal More Rewards / Flagship Rewards.
- Is the Chase Sapphire Reserve's $795 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- 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 Navy Federal More Rewards / Flagship Rewards at $49/yr trades some perks for a lower commitment.
- Can I have both the Chase Sapphire Reserve and Navy Federal More Rewards / Flagship Rewards?
- Yes, since they're from different issuers (Chase and Navy Federal Credit Union) 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 Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Reserve: $6,000 spend in 3 months. Navy Federal More Rewards / Flagship Rewards: $3,500 in ? 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.