Upgrade Cash Rewards Visa vs Chase Sapphire Preferred

Side-by-side comparison of Upgrade Cash Rewards Visa and Chase Sapphire Preferred. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Upgrade Cash Rewards Visa	Chase Sapphire Preferred
Issuer	Upgrade (Sutton Bank)	Chase
Network	Visa	Visa
Card Material	Plastic	Metal
Annual Fee	$0.00	$95.00
Base Rate	1.50%	1.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.5% (base)	1.0% (base)
Travel	1.5% (base)	5.0%
Restaurants	1.5% (base)	3.0%
Supermarkets	1.5% (base)	3.0%
Streaming	1.5% (base)	3.0%
Peloton	1.5% (base)	5.0%
Lyft	1.5% (base)	5.0%
Anniversary Bonus	None	0.1
Portal Boost	1x	1.25x

Benefits & Partners

Transfer Partners	None	14 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	14.99% - 29.99%	12.49% - 20.74%
Cash Advance APR	N/A	21.74%
Penalty APR	N/A	23.24%
Late Fee	N/A	$40
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	✓
Baggage Delay	—	✓
Baggage Loss	—	✓
Cell Phone Protection	—	—
Extended Warranty	—	✓
Purchase Protection	—	120 days
Return Protection	—	—
Roadside Dispatch	—	Pay-per-use
Trip Cancellation Interruption	—	✓
Trip Delay	—	✓
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard