Chase Sapphire Reserve vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Sapphire Reserve wins 3-2. Annual travelers, the upgrade path from Sapphire Preferred. US Bank Cash+ is still the right call if 5% on 2 chosen categories + 2% on 1 chosen, fully customizable..
Side-by-side
| Criterion | Chase Sapphire Reserve | US Bank Cash+ |
|---|---|---|
| Annual fee | · $795 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 60,000 points after $4,000 in first 3 months | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = None stated | = None stated |
| Min credit score | · 740 | 670 |
| Editorial rating | 4.7/5 | · 4.4/5 |
Benefits compared
Chase Sapphire Reserve
- 10x on hotels and rental cars booked via Chase Travel
- 5x on flights booked via Chase Travel
- 3x on all other dining + travel
- $300 annual travel credit
- Priority Pass Select + Chase Sapphire Lounge access
- 50% bonus when redeeming for travel via Chase portal
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Chase Sapphire Reserve vs US Bank Cash+: which is better?
Chase Sapphire Reserve wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Chase Sapphire Reserve for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Sapphire Reserve: 60,000 points after $4,000 in first 3 months. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.