Card comparisonSide by side
Chase Freedom Flex® vs Chase Sapphire Reserve®
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
Pair snapshot
2
cards
A-B
comparison
Comparison table
The numbers, lined up.
How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
Swipe horizontally to compare all columns
| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | Chase |
Card Network | ||
Card Type Data: 2/2 cards | cashback | travel |
Card Tier Data: 2/2 cards | Mid Tier | Luxury |
Credit Score | Good(700-749) | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $550 |
Foreign Transaction Fee | Yes (3%) | None |
Purchase APR | 19.99% – 28.74% | 21.99% – 28.99% |
Intro APR | 0% for 15 months | — |
| Rewards | ||
Welcome Bonus | Earn $200 | Earn 60,000 points |
Bonus Value | $200 | $900 |
Reward Rate Data: 2/2 cards | 5% back on chase travel (booked through chase ultimate rewards) | 10x pts on hotels and car rentals via chase travel (after $300 travel credit) |
Reward Program Data: 2/2 cards | Chase Ultimate Rewards | Chase Ultimate Rewards |
| Earning Rates | ||
| All Other Purchases | — | 1x pts |
| All other purchases | 1% back | — |
| Chase Travel (booked through Chase Ultimate Rewards) | 5% backPurchases made through Chase Ultimate Rewards travel portal | — |
| Dining | — | 3x pts3x points on dining at restaurants worldwide, including eligible delivery services, takeout, and dining out |
| Dining at restaurants (including takeout and eligible delivery services) | 3% back | — |
| Drugstores | 3% back | — |
| Flights via Chase Travel (after $300 travel credit) | — | 5x pts5x total points on flights purchased through Chase Travel after the first $300 is spent on travel purchases annually |
| Hotels and Car Rentals via Chase Travel (after $300 travel credit) | — | 10x pts10x total points on hotels and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually |
| Rotating quarterly bonus categories (activated, up to $1,500/quarter) | 5% backRequires quarterly activation; 5% applies on up to $1,500 in combined purchases each quarter | — |
| Travel | — | 3x pts3x points on other travel worldwide (not through Chase Travel) |
| Benefits | ||
Key Benefits |
|
|
