BonusCeilingChase Sapphire Preferred vs Chase Sapphire Reserve: sign-up bonus comparison (Oct 2026)
Chase Sapphire Preferred: 75,000 points after $5,000 spend in 3 months ($95 annual fee). Chase Sapphire Reserve: 100,000 points after $6,000 spend in 3 months ($795 annual fee). Chase Sapphire Preferred needs less spending to earn its bonus. Chase Sapphire Preferred is closer to its all-time high right now (75% of its all-time high (not elevated right now)). Data checked 2026-10-19; the right pick depends on which rewards you'll use and whether you can meet the spend with normal purchases.
By Tyler Kelly · Updated
| Chase Sapphire Preferred | Chase Sapphire Reserve | |
|---|---|---|
| Issuer | Chase | Chase |
| Type | Personal | Personal |
| Current offer | 75,000 points after $5,000 spend in 3 months | 100,000 points after $6,000 spend in 3 months |
| Minimum spend | $5,000 in 3 months | $6,000 in 3 months |
| Annual fee | $95 | $795 |
| Earns | Ultimate Rewards points | Ultimate Rewards points |
| All-time high | 100,000 points (Jun-Nov 2021; Apr-May 2025; Jun-Aug 2026) | 150,000 points after $6,000 in 3 months (Apr-Jun 15, 2026) per Doctor of Credit; a 175,000 offer in Sep 2026 was targeted in the Chase app only |
| vs. record | 75% of record | 67% of record |
| Issuer rules | Chase 5/24, Sapphire bonus eligibility | Chase 5/24, Sapphire bonus eligibility |
| Verified | Yes, 2026-10-19 | Yes, 2026-10-19 |
| Apply | Chase site | Chase site |
Frequently asked questions
Which has the bigger bonus, Chase Sapphire Preferred or Chase Sapphire Reserve?
Chase Sapphire Preferred: 75,000 points after $5,000 spend in 3 months. Chase Sapphire Reserve: 100,000 points after $6,000 spend in 3 months. Both earn Ultimate Rewards points, so the headline numbers compare directly: Chase Sapphire Reserve has the larger headline bonus.
Which bonus is easier to earn?
Chase Sapphire Preferred has the lower spend requirement.
Can I get both?
Possibly, if you meet each issuer's rules: Chase Sapphire Preferred: Chase 5/24, Sapphire bonus eligibility; Chase Sapphire Reserve: Chase 5/24, Sapphire bonus eligibility.
Can I afford the minimum spend? → · How long to wait between bonuses
Bonus history: Chase Sapphire Preferred · Chase Sapphire Reserve
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