Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

cashRewards Plus vs Chase Sapphire Reserve

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

cashRewards Plus card art
Navy Federal Credit Union
cashRewards Plus
Navy Federal Credit Union
More Info
Chase Sapphire Reserve card art
Chase Ultimate Rewards
Chase Sapphire Reserve
Chase
More Info
Annual Fee
No annual fee
$795/yr
Foreign Fees
None
None
Signup Bonus
25,000 points
Spend $2,500 in 3 months
200,000 points
Spend $30,000 in 6 months
Top Earn Rates
  • All Purchases 2x
  • Chase Travel 8x
  • Lyft 5x
  • Flights (Direct) 4x
Reward Type
cashback
miles
Key Credits
None
  • Annual Travel Credit $300
  • The Edit Hotel Credit $250
Card Perks
None listed
  • Priority Pass Select
  • Chase Sapphire Lounge by The Club
  • DashPass
  • +3 more
Transfer Partners
Cash back only
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
Open full comparison tool Compare more cards

Common Questions: cashRewards Plus vs Chase Sapphire Reserve

Is the cashRewards Plus or Chase Sapphire Reserve better for dining?

cashRewards Plus has no dining bonus; Chase Sapphire Reserve earns 3x on dining.

Which has the higher signup bonus in 2026?

cashRewards Plus currently offers 25,000 pts signup bonus (spend $2,500 in 3 months). Chase Sapphire Reserve offers 200,000 pts signup bonus (spend $30,000 in 6 months). Chase Sapphire Reserve has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the cashRewards Plus and the Chase Sapphire Reserve?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. cashRewards Plus is from Navy Federal Credit Union and Chase Sapphire Reserve is from Chase, so they're governed by separate bank policies.