Inside the Chase Sapphire Family: Comparing All 3 Cards in 2026

The Chase Sapphire family has changed up quite a bit. The original Chase Sapphire Preferred^® Card and the Chase Sapphire Reserve^® has recently received significant updates, while the issuer launched its first-ever Sapphire business card last year: the Sapphire Reserve for Business℠.

They’re all great travel credit cards in their own right, so how should you decide which card is best for you in 2026? Read on for our tips to help you decide which Sapphire version is the best fit for your wallet.

Chase Sapphire Card Welcome Offers

All Chase Sapphire cards earn Chase Ultimate Rewards points, giving you the flexibility to book travel through Chase Travel using the Points Boost feature or transfer your points to more than a dozen airline and hotel partners.

These redemption options give you a higher cent-per-point value than redeeming your points for cash-back or gift cards, which is why Upgraded Points values them at 2 cents apiece.

And, for a limited time, the Chase Sapphire Preferred card is featuring its best-ever welcome offer of 100,000 points.

As for the higher-tier Chase Sapphire Reserve card, you can earn a bonus offer of: Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

For business owners, the Chase Sapphire Reserve Business card equivalent comes with a welcome offer of: Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months and access more than $7,000 in total business and travel value in your first year.

Full Comparison of All 3 Chase Sapphire Cards

Here is an easy-to-follow comparison of each Chase Sapphire card.

There are plenty of compelling perks and benefits across all 3 cards, so which card should you apply for?

Chase Sapphire Preferred Card: Best for Everyday Rewards

If you’re looking for a great all-around travel rewards card with a reasonable annual fee, the Chase Sapphire Preferred card is easily your best option.

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, gas, EV charging, vacation homes, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance and emergency evacuation. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation homes (such as Airbnb and Vrbo), and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Transfer points to leading airline and hotel loyalty programs
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Not only does it earn 3x points on a wide array of everyday purchases such as dining, online grocery purchases, gas and EV charging, and some streaming services, but you also earn 2x to 5x points on a variety of eligible travel purchases.

Plus, it is extremely easy to offset the card’s annual fee just from its $100 annual Chase Travel hotel credit. In which case, all of the other benefits and perks of the Chase Sapphire Preferred card, like its complimentary Apple TV subscription and excellent travel protections, provide you with surplus value.

Chase Sapphire Reserve Card: Best for Luxury Travel

For those who want a luxury card with premium travel and lifestyle perks and benefits, the Chase Sapphire Reserve card is the right choice.

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$795

APR

19.49% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get $3,000 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
• Member FDIC

Financial Snapshot

• APR: 19.49% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Since it provides airport lounge access to Chase Sapphire lounges, Priority Pass lounges, and participating Air Canada Maple Leaf lounges, as well as the ability to bring 2 guests in for free, the card helps you start and end each trip in style.

Its annual fee is large, but you have over $2,000 in annual credits to help offset it, including a $300 annual travel credit, $500 annual Chase Travel credit for The Edit, $300 annual dining credit, $300 annual StubHub credit, and more.

Chase Sapphire Reserve Business Card: Best for Business Owners

If you’re a business owner who wants premium perks, the choice is simple: the Chase Sapphire Reserve Business card.

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: Flex for Business Variable APR: 17.74% - 28.49%
• Foreign Transaction Fees: None

The card is functionally quite similar to the personal version of the card, but it does have a few notable business-related differences.

These include the ability to earn an uncapped 3x points on advertising purchases made with social media sites and search engines, a $400 annual ZipRecruiter credit, a $200 annual Google Workspace credit, and a $100 Giftcards.com credit.

Can You Hold Multiple Chase Sapphire Cards?

If you’re serious about maximizing points, the good news is that you can now apply for multiple cards within the Chase Sapphire family — a strategy that wasn’t possible under Chase’s previous application rules.

For instance, you could easily hold both the Chase Sapphire Preferred card and the Chase Sapphire Reserve card. This would allow you to take advantage of several 3x bonus categories on the Chase Sapphire Preferred card while pairing that with the 4x and 8x categories, along with a bevy of annual credits and airport lounge access of the Chase Sapphire Reserve card — making for a powerful card combination.

Not to mention that the combined welcome offers from these 2 cards would provide you with a whopping 200,000 Chase points — which we value at $4,000 for travel.

Final Thoughts

All of the Chase Sapphire cards have plenty to offer cardholders, with excellent bonus categories, benefits, travel protections, and welcome bonus offers. Once you’ve decided which card is best for you, you can rest assured that you’ll easily be able to add the other cards to your wallet at a later date.