Prime Visa vs Chase Sapphire Reserve®
Side-by-side comparison
| Prime Visa | Chase Sapphire Reserve® | |
|---|---|---|
| Annual fee | No annual fee | $795 |
| Welcome offer | $200 Amazon Gift Card upon approval | 100,000 Ultimate Rewards® Points |
| Dining | 2x | 3x |
| Groceries | 5x | 1x |
| Gas | 2x | 1x |
| Travel | 1x | 4x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $590 | $406 |
| Points type | Cash back only | Transfers to airlines & hotels |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Prime Visa earns about $590 a year in rewards and the Chase Sapphire Reserve® about $406, valuing every point at a flat 1 cent. The Prime Visa has no annual fee, so its rewards are all profit. The Chase Sapphire Reserve® charges $795, but carries about $2,108 in annual statement credits that offset it for anyone who uses them. The two are effectively tied on value, with the Prime Visa marginally ahead, mostly because it earns more where you spend most, on groceries and gas. The bigger difference is the ceiling: the Chase Sapphire Reserve® earns points you can move to travel partners for outsized value, while the Prime Visa pays plain cash back. Favor the Chase Sapphire Reserve® if you will use travel transfers, the Prime Visa if you want simplicity. On the sign-up bonus, the Chase Sapphire Reserve® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Prime Visa if your spending leans toward groceries, gas. Pick the Chase Sapphire Reserve® if your spending leans toward dining, travel.