Chase Sapphire Preferred vs Reserve — which is better for occasional travelers?

Question

I travel 2-3 times per year domestically. Is the Reserve worth the extra cost over the Preferred?

CardCompare Expert · Accepted Answer

For 2-3 domestic trips/year, the Preferred ($95/yr) is likely better. The Reserve ($550/yr) becomes worth it when: (1) you visit airport lounges 6+ times/year ($50+ value each), (2) you spend enough on travel to earn 2,000+ more points monthly, (3) you use the $300 travel credit fully. With 2-3 trips, you'd need to be a heavy spender to justify the $455 fee difference. Start with the Preferred — you can upgrade later.