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CardCurator — Rewards Intelligence
Card Comparison

Chase Sapphire Reserve vs Visa Signature® Flagship Rewards

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

Chase Sapphire Reserve card art
Chase Ultimate Rewards
Chase Sapphire Reserve
Chase
More Info
Visa Signature® Flagship Rewards card art
Navy Federal Credit Union
Visa Signature® Flagship Rewards
Navy Federal Credit Union
More Info
Annual Fee
$795/yr
$49/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 6 months
35,000 points
Spend $3,500 in 3 months
Top Earn Rates
  • Chase Travel 8x
  • Lyft 5x
  • Flights (Direct) 4x
  • Travel 3x
  • All Other Purchases 2x
Reward Type
miles
cashback
Key Credits
  • Annual Travel Credit $300
  • The Edit Hotel Credit $250
  • Amazon Prime $139
  • Global Entry/TSA PreCheck Credit $120
Card Perks
  • Priority Pass Select
  • Chase Sapphire Lounge by The Club
  • DashPass
  • +3 more
None listed
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
Cash back only
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Common Questions: Chase Sapphire Reserve vs Visa Signature® Flagship Rewards

Is the Chase Sapphire Reserve or Visa Signature® Flagship Rewards better for dining?

Chase Sapphire Reserve earns 3x on dining; Visa Signature® Flagship Rewards has no dining bonus.

Which has the higher signup bonus in 2026?

Chase Sapphire Reserve currently offers 200,000 pts signup bonus (spend $30,000 in 6 months). Visa Signature® Flagship Rewards offers 35,000 pts signup bonus (spend $3,500 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 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 Reserve is from Chase and Visa Signature® Flagship Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.