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Chase Sapphire Preferred vs. Chase Sapphire

Chase is one of the most recognizable credit card-issuing banks in the United States. Currently, their Chase Sapphire Preferred is considered a top card for its point or mile promotions. The welcome bonus of 40,000 points is quite difficult to beat. However, many consumers get confused about the card, especially since there is also a “regular” version of it, the Chase Sapphire. Both cards allow customers to earn Ultimate Rewards points and both offer several perks for cardholders. With the similarities of these two cards, you may be curious as to which card is better.

Chase Sapphire Preferred

Among the most notable qualities of the Preferred version are the following: No annual fee waived 1st year, no foreign transaction fees. Bonus miles.


Chase Sapphire

This simpler version has a ton of valuable features as well, including:

• No annual fee – No matter how long you have been carrying the card, you won’t be paying any annual fee.
• Welcome bonus – This card also gives hefty bonus points, which are usually given within the first three months of card use provided the cardholder meets the minimum spending requirement. The bonus, however, is lower compared to the Preferred version.
• No rewards limit – There are no earning caps on points and they will never expire.
• No restrictions – Aside from earning unlimited number of points, you can also redeem them for anything you want. You can choose from travel tickets to merchandise or even cash back rewards.

Chase Sapphire Preferred vs. Chase Sapphire

Both the Chase Sapphire and the Sapphire Preferred are great cards to get as both may offer no annual fee charges. However, the latter only offers the no annual fee for the first year while the former offers it for a lifetime. On this aspect, the Sapphire is clearly the winner.

Spending bonuses are almost identical. In Sapphire, you get double points when you spend credits at restaurants. You can earn one point per dollar if you use your card against other purchases. Meanwhile, Sapphire Preferred lets you get double points not only on dining but on travel as well. These include hotel stays, airfare, cruises, taxis, and the like.

If you are a member of a frequent flyer program, the Chase Sapphire Preferred is a good card to consider. It allows you to transfer your points with a 1:1 ratio for airline and hotel partners, including Korean Air, British Airways, Hyatt, and Marriott among others.

In the end, the final decision on which card is best is yours to make. Your decision will definitely depend on your needs and lifestyle. However, if you want a card for building credit, Chase Sapphire is a great choice. If you want a premium card with exclusive perks and benefits, the Chase Sapphire Preferred Visa Signature is a much better option.


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