CSP vs CSR
The classic question: pay $95 or $795 for your travel card?
Chase Sapphire Preferred
Chase
- Our rating
- 9.0/10
- Welcome bonus
- 75,000 points
- Bonus value
- ≈$1,538
- Annual fee
- $95
- Credits, max/yr
- $50
- Foreign txn fee
- None
Top earning rates
- 5x Chase Travel purchases
- 3x Dining, online groceries, select streaming
- 2x All other travel
- 1x All other purchases
Chase Sapphire Reserve
Chase
- Our rating
- 9.2/10
- Welcome bonus
- 150,000 points
- Bonus value
- ≈$3,075
- Annual fee
- $795
- Credits, max/yr
- $1,640
- Foreign txn fee
- None
Top earning rates
- 8x Chase Travel purchases
- 4x Flights and hotels booked direct
- 3x Dining worldwide
- 1x All other purchases
The Compound Verdict
Our ratings give it to the Chase Sapphire Reserve (9.2 vs 9.0). On current welcome offers, the CSR brings the bigger first-year haul at ≈$3,075. The fee gap is $700 a year, so make sure the extra credits and multipliers actually fit your spend.
Read the full reviews for the complete math: CSP review and CSR review, or put them side by side in the comparison tool.