Chase Sapphire cards are popular among travelers who are looking for lucrative rewards programs — so popular, in fact, that many Chase enthusiasts look into adding more than one Sapphire card to their wallets.
Up until recently, Chase restricted cardholders from holding both the Chase Sapphire Preferred® Card (see rates and fees) and Chase Sapphire Reserve® (see rates and fees) at the same time. Now that that rule has changed, here's what to know.
The Chase Sapphire Preferred® Card packs a punch for a $95 annual fee card, offering annual travel credits, comprehensive travel protections and more.
- You can transfer rewards to all of Chase's travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Long list of travel and shopping protections
- $50 annual Chase Travel hotel credit
- Has an annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 75,000 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 TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase TravelSM
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- 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.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
The Chase Sapphire Reserve® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual fee.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
- Up to $300 in annual travel credit each account anniversary year
- You can transfer rewards to all of Chase's travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Top-tier travel and shopping protections
- High annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 150,000 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 TravelSM, including The EditSM 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 PassTM 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 Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $288 annually
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Who can open a Chase Sapphire card?
When Chase introduced the new Chase Sapphire Reserve for Business in June 2025, the bank also made changes to other aspects of the Sapphire line, including the ability to own both personal consumer cards.
Previously, cardmembers were limited to one of either the Sapphire Preferred or Sapphire Reserve and needed to wait four years in between receiving Sapphire card welcome bonuses, if they ended up downgrading their Sapphire card for another. While the old requirements are out, new ones are in:
As of June 2025, you can hold both the Sapphire Preferred and Sapphire Reserve cards, however, eligibility for bonuses will be based on factors such as previously earned bonuses, the number of cards opened and closed, among others.
The cards' product pages also have a statement saying that the cardmember bonuses may not be available if you have any other personal Sapphire cards open, previously had the card or already received the card's bonus before.
Cardholders of the Sapphire Reserve for Business (the only business card in the Sapphire line) will still be able to qualify for consumer Sapphire cards and their respective bonuses.
Alternative Chase credit cards
If you're interested in a Chase card but looking for something easier to qualify for or without an annual fee, there are others out there that also earn valuable Chase Ultimate Rewards® points.
The Chase Freedom Unlimited® (see rates and fees) offers you an unlimited 1.5% cash back on every purchase and earns 3% back in categories like drugstores and dining at restaurants (including takeout and eligible delivery services). The no-annual-fee card comes with purchase protection, plus travel and emergency assistance.
The Chase Freedom Unlimited® is a no-annual-fee card that earns generous cash-back on everyday purchases and a lucrative welcome bonus.
- Users get a high rewards rate and strong welcome bonus
- Purchases and balance transfers get long intro APR
- No annual fee
- Travelers face a foreign transaction fee
- Few rewarding ongoing benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Balance transfer fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, in the first 60 days. After that, either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3% of each transaction in U.S. dollars
If you're newer to credit cards in general, the Chase Freedom Rise℠ offers the same 1.5% cash back on all purchases, lets you earn a $25 statement credit by signing up for automatic payments within the first three months and is geared for those building their credit. Having at least $250 in a Chase checking or savings account will increase your approval chances, and each year you'll be automatically evaluated for an upgrade to the Chase Freedom Unlimited.
The Chase Freedom Rise® is one of the most rewarding cards that's available if you're new to credit.
- No credit history required
- Above average flat-rate rewards
- No annual fee
- Small welcome offer
- Has a foreign transaction fee
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
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Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
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