The Chase Sapphire Preferred and Visa Signature® Flagship Rewards are closely matched. Chase Sapphire Preferred wins on 2 categories (75,000 pts signup bonus); Visa Signature® Flagship Rewards wins on 2 (35,000 pts signup bonus). The better pick depends on your spending patterns.
Chase Sapphire Preferred vs Visa Signature® Flagship Rewards
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
Chase Sapphire Preferred and Visa Signature® Flagship Rewards are close enough that the better pick depends on where you spend most, how much value you get from perks, and whether you prefer one rewards ecosystem over the other.
Best if your main priority is the larger current welcome offer.
Best if you will actually use recurring statement credits and premium benefits.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Chase Travel 5x
- Dining 3x
- Streaming 3x
- Travel 3x
- All Other Purchases 2x
- hotel stays purchased through Chase Travel. $50
- DoorDash Credit $10
- Amazon Prime $139
- Global Entry/TSA PreCheck Credit $120
- DoorDash Dashpass (~$100/yr)
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Chase Sapphire Preferred and Visa Signature® Flagship Rewards are closely matched. Chase Sapphire Preferred wins on 2 categories (75,000 pts signup bonus); Visa Signature® Flagship Rewards wins on 2 (35,000 pts signup bonus). The better pick depends on your spending patterns. On raw upside, Chase Sapphire Preferred tops out at 5x versus 3x for Visa Signature® Flagship Rewards. Current signup bonus values are roughly $1500 for Chase Sapphire Preferred and $4 for Visa Signature® Flagship Rewards. Updated June 4, 2026. Source: https://cardcurator.ai/compare/chase-sapphire-preferred-vs-visa-signature-flagship-rewards
- Chase Sapphire Preferred wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Preferred reaches 5x; Visa Signature® Flagship Rewards reaches 3x.
- Annual fee: Chase Sapphire Preferred is $95/yr; Visa Signature® Flagship Rewards is $49/yr.
- Current public bonus values are approximately $1500 and $4.
Common Questions: Chase Sapphire Preferred vs Visa Signature® Flagship Rewards
Is the Chase Sapphire Preferred or Visa Signature® Flagship Rewards better for dining?
Chase Sapphire Preferred earns 3x on dining; Visa Signature® Flagship Rewards has no dining bonus.
Which has the higher signup bonus in 2026?
Chase Sapphire Preferred currently offers 75,000 pts signup bonus (spend $5,000 in 3 months). Visa Signature® Flagship Rewards offers 35,000 pts signup bonus (spend $3,500 in 3 months). Chase Sapphire Preferred 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 Sapphire Preferred and the Visa Signature® Flagship Rewards?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Sapphire Preferred is from Chase and Visa Signature® Flagship Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.