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All comparisons
Head-to-head, 2026

Chase Freedom Flex Chase Sapphire Reserve

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Freedom FlexBigger welcome offer: Chase Sapphire Reserve

Chase

Freedom Flex

Annual fee
$0
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 5×Combined purchases in bonus categories each quarter you activate · Chase Ultimate Rewards
  • 5×Travel · Chase Ultimate Rewards
  • 3×Dining at restaurants, including takeout and eligible delivery services · Chase Ultimate Rewards
  • 3×Drugstore purchases · Chase Ultimate Rewards

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • Auto Rental Collision Damage Waiver · $0
  • Cell Phone Protection · $0
  • Purchase Protection · $0
  • Trip Cancellation and Interruption Insurance · $0
Full Chase Freedom Flex review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Eligible Peloton equipment and accessory purchases over $150
  • 8×Chase Travel purchases
  • 5×Lyft rides
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • 24-Hour Travel Accident Insurance · $100000
  • Emergency Evacuation and Transportation · $100000
  • Auto Rental Collision Damage Waiver · $75000
  • Trip Cancellation and Interruption Insurance · $10000
Full Chase Sapphire Reserve review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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