The Chase Sapphire Reserve edges out the Royal ONE Plus Visa Signature Credit Card for most cardholders — it wins on 3 of 4 comparison categories and offers 150,000 pts signup bonus earns more (up to 8x vs 4x). The Royal ONE Plus Visa Signature Credit Card is the better choice if you want no or lower annual fee.
Chase Sapphire Reserve vs Royal ONE Plus Visa Signature Credit Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
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 8x
- Lyft 5x
- Flights (Direct) 4x
- Royal Caribbean, Celebrity Cruises & Silversea 4x
- Airlines 2x
- Hotels 2x
- Annual Travel Credit $300
- The Edit Hotel Credit $250
- Global Entry or TSA PreCheck Credit $120
- Priority Pass Select
- Chase Sapphire Lounge by The Club
- DashPass
- +3 more
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Common Questions: Chase Sapphire Reserve vs Royal ONE Plus Visa Signature Credit Card
Is the Chase Sapphire Reserve or Royal ONE Plus Visa Signature Credit Card better for dining?
Chase Sapphire Reserve earns 3x on dining; Royal ONE Plus Visa Signature Credit Card earns 2x on dining. Chase Sapphire Reserve wins for dining.
Which has the higher signup bonus in 2026?
Chase Sapphire Reserve currently offers 150,000 pts signup bonus (spend $6,000 in 3 months). Royal ONE Plus Visa Signature Credit Card offers 70,000 pts signup bonus (spend $3,000 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 Sapphire Reserve and the Royal ONE Plus Visa Signature Credit Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Sapphire Reserve is from Chase and Royal ONE Plus Visa Signature Credit Card is from Bank of America, so they're governed by separate bank policies.