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Blue Cash Preferred® Card from American Express vs Chase Sapphire Reserve®
This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and the Chase Sapphire Reserve®. Both cards have unique features and benefits tailored to different spending habits, making it essential to understand their offerings before making a decision.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card is ideal for families and individuals who frequently shop at supermarkets and use streaming services. With a strong cash back rewards structure, this card is designed for those who want to maximize their everyday spending.
Chase Sapphire Reserve®
The Chase Sapphire Reserve® is tailored for frequent travelers and dining enthusiasts, offering a comprehensive rewards program and travel perks. This premium card provides significant value for users who prioritize travel rewards and luxury benefits.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Chase Sapphire Reserve® |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $550 |
| Welcome Bonus | Earn a $250 statement credit after spending $3,000 in the first 6 months | Earn 60,000 bonus points after spending $5,000 in the first 3 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets, 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and transit, 1% on other purchases | 10x points on hotels and car rentals through Chase Travel, 5x points on flights, 3x on other travel and dining, 1 point on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Plan fees for Plan It® after first year | None specified |
| Additional Benefits | $84 Disney Bundle Credit, Cash Back as Reward Dollars | $300 Annual Travel Credit, 1:1 point transfer to travel programs, airport lounge access |
Rewards Highlights
Blue Cash Preferred® Card from American Express
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
Chase Sapphire Reserve®
- Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠
- Earn 5x total points on flights through Chase Travel℠
- Earn 3x points on other travel and dining
- Earn 1 point per $1 spent on all other purchases
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on everyday spending categories
- Low intro fee for the first year
- Disney Bundle credit adds entertainment value
- Cons:
- Annual fee applies after the first year
- Cash back is received in the form of Reward Dollars
Chase Sapphire Reserve®
- Pros:
- High rewards for travel and dining
- Significant travel-related perks
- Flexible point redemption options
- Cons:
- High annual fee
- Requires substantial spending to maximize value
Who Should Consider Which Card?
- The Blue Cash Preferred® Card from American Express is ideal for families and individuals who spend heavily on groceries and streaming services, and prefer cash back rewards.
- The Chase Sapphire Reserve® is best suited for frequent travelers and diners who can take advantage of the premium travel benefits and high rewards rates on travel purchases.
Conclusion
Both the Blue Cash Preferred® Card from American Express and the Chase Sapphire Reserve® offer compelling benefits tailored to different user needs. Consider your individual spending patterns and financial goals to determine which card aligns best with your lifestyle.