Chase Sapphire Preferred vs Reserve: The 2025 Showdown

If you are in the US and love travel, you likely have one of these cards in your wallet—or you're planning to get one.

The Chase Sapphire Preferred (CSP) and Chase Sapphire Reserve (CSR) are the titans of the travel rewards world. But with the Reserve's annual fee now sitting at $550, many are asking: Is it still worth it?

At a Glance

The Case for the Preferred ($95)

For most beginners, the CSP is the winner.

1. Low Risk: The $95 fee is negligible compared to the value of the 60,000 bonus points (worth ~$750).
2. Great Transfer Partners: You can transfer points 1:1 to Hyatt, United, and British Airways.
3. Solid Insurance: Primary rental car insurance coverage is included.

The Case for the Reserve ($550)

The CSR is for the frequent flyer.

1. Effective Fee is $250: The $300 travel credit applies automatically to any travel (Uber, flights, subway), effectively bringing the fee down to $250.
2. Lounge Access: Access to Priority Pass lounges and the exclusive Chase Sapphire Lounges (which are stunning).
3. 50% Boost: Points are worth 50% more when booked through Chase Ultimate Rewards.

Verdict: If you visit an airport lounge more than 3 times a year, get the Reserve. Otherwise, stick to the Preferred.