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Q: What is the difference between Chase Sapphire Preferred and Chase Sapphire card? Is one better than the other?
A: Both cards have advantages, but the Sapphire Preferred card offers a few more benefits for those who own businesses or whose work requires that they travel very frequently. The Sapphire Card may be considered as being along the lines of a personal credit card.
Editor’s Note: The regular Sapphire card was discontinued. The Sapphire Preferred card is still available. You can also see how the Sapphire Preferred card performs when compared to Capital One’s Venture Rewards card – our current favorite travel rewards card. That comparison can be found here. Or you can jump to our review of the Venture Rewards card.
Still, there are many benefits that the Sapphire card offers such as no annual fee and a good rewards program. The rewards program allows you to earn 10,000 bonus points within three months if you spend $500 during that time. Plus, certain purchases or transactions offer double points, and you can receive 10 points for every dollar you spend at the Ultimate Rewards Mall, which includes select merchants.
The Sapphire Preferred card rewards you for spending $3,000 in the first three months. The $3,000 lets you earn 25,000 points, which are enough for a free airline ticket. In addition, all points are worth 25% more when they are redeemed for airfare, and the points earn an annual dividend of 7%. You are actually earning points on your points.
Only you can decide which Chase Sapphire Card is best for you. Take a few moments to determine exactly how much you normally charge, and what the charges are for. This will help you decide which one of these cards will better suit your purposes.