Chase Sapphire Reserve or Chase Sapphire Preferred? My bulk spendings are travel (flights, ride-shares. 3/4 domestic 1 int) and restaurants(quite freq) Occasionally shopping for gifts/apparels.

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Have you done the math on whether

(points $ valuation of purchases at current level) + card perks > annual fee ?

Easy to get looped into lifestyle expansion with these cards, at which point you'll end up spending money to 'save' money using card perks. 'Oh I should buy/subscribe to this since Chase reimburses $15 for spending $50'

smart

Will the large expense trips become regular going forward though? And whether the points earned via annual trip expenses will cover the ~$450 difference between the preferred and reserve? You'll have to do some algebra to see how it pans out, but definitely worth sitting down and calculating which card makes more sense given the potential long term commitment.

Especially if you can't work travel expense on your personal card, I would say that most people aren't frequent travellers enough to justify the jump in annual fees

Try the new capital one venture x card..

I’m a loyal Chase customer for years and they pre-approved me for Reserve with 70K points. I’m thinking I could even negotiate with them for more points

Reserve hands down. Just got my year end and they paid out $480 in direct perks against my $500/yr fee.

i'd use a calculator on one of those point websites. it really depends on how much money you spend. i've had both and think they are less valuable then a few years ago

If you travel a few times a year the reserve is for sure the best option

If you do go for the preferred, I have a referral that gets you an (increased) 100k offer (I get 20k as a referral bonus kick back)

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