Chase Sapphire Preferred Vs Reserve (for Disney)

Chase Ultimate Rewards is the best all around points currency for Disney vacations. The two most popular Chase credit cards are the Chase Sapphire Preferred and Chase Sapphire Reserve. How do you choose between two? We’ve outlined the six more important factors you should consider.


1) Disney Vacation Packages

With Chase Ultimate Rewards you can redeem points for Disney Vacation Packages. Since these include your park tickets, it’s a great way to use points.

However, one card gives you more value. The Sapphire Reserve gives 1.5 cents in value for each point on vacation packages. The Sapphire Preferred gives 1.25 cents per point.

  • Sapphire Reserve – 1.5 cents per point
  • Sapphire Preferred – 1.25 cents per point

To view this on a larger scale, imagine if you had 100,000 Chase Ultimate Rewards. If you have the Reserve, it will be worth $1,500 toward a vacation package. If you have the Preferred, it will be worth $1,250.

Here’s a great post to learn more.

Winner: Chase Sapphire Reserve


2) Transferring Points

This one is a bit of a trick question, so to speak. Both cards allow you to transfer points to 11 different travel partners (more on that subject HERE). We transfer a lot of points to these partners for travel, so it’s important to point out that it’s the same for both cards.

Winner: Push


3) Annual Fees & Travel Credits

The Sapphire Preferred has a $95 annual fee and you can get additional cards for authorized users for free.

The Sapphire Reserve has a $450 annual fee and costs $75 per card for additional authorized users. Before you faint, the Reserve also comes with a $300 annual travel credit. This means travel charges on your account until you cumulatively reach $300 will be automatically credited back to you each year. As a result, assuming you spend $300 or more on travel charges each year, your annual fee is effectively $150 (plus the cost of authorized users).

Winner: Chase Sapphire Preferred


4) Earning Points

These two cards have similar earning structures. The Sapphire Preferred earns two points per dollar spent on travel and dining purchases; one point on everything else. The Sapphire Reserve earns three points per dollar spent on travel and dining; one point on everything else.

Winner: Chase Sapphire Reserve


5) Sign Up Bonus

Both cards offer 50,000 points after spending $4,000 in the first three months. But, the Sapphire Preferred offers a 5,000 point bonus when you add an authorized user who makes one purchase during that period. With both cards, your bonus is worth about $1,000 if used efficiently.

Winner: Chase Sapphire Preferred


6) Perks

Perks of Both Cards

Both cards cover you up to $10,000 for trip cancellation or interruption, which includes sickness and severe weather. Both cards also have baggage delay insurance and trip delay insurance if either of those lasts more than six hours and you incur costs as a result. They also both in include primary rental car insurance. Finally, neither charges any foreign transactions fees.

Sapphire Reserve ONLY

The Sapphire Reserve also has the added benefits of offer airport lounge access through Priority Pass Select. You get a $100 Global Entry or TSA PreCheck credit every four years. And, you get emergency evacuation, transportation, medical and dental coverage.

Winner: Chase Sapphire Reserve


Which Card is Right for You?

Click on the card to apply for the card that is right for you.