Card Comparison
Chase Freedom Unlimited vs Chase Sapphire Reserve
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
$795/yr
Foreign Fees
None
None
Signup Bonus
25,000 points
Spend $500 in 3 months
150,000 points
Spend $6,000 in 3 months
Top Earn Rates
- Chase Travel 5x
- Dining 3x
- Drugstores 3x
- Chase Travel 8x
- Lyft 5x
- Flights (Direct) 4x
Reward Type
miles
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
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Common Questions: Chase Freedom Unlimited vs Chase Sapphire Reserve
Is the Chase Freedom Unlimited or Chase Sapphire Reserve better for dining?
Chase Freedom Unlimited earns 3x on dining; Chase Sapphire Reserve earns 3x on dining. Chase Freedom Unlimited wins for dining.
Which has the higher signup bonus in 2026?
Chase Freedom Unlimited currently offers 25,000 pts signup bonus (spend $500 in 3 months). Chase Sapphire Reserve offers 150,000 pts signup bonus (spend $6,000 in 3 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 Chase Freedom Unlimited 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. Both cards are from Chase, so check their specific application rules.