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Home News Sapphire showdown: Chase Sapphire Preferred vs. Chase Sapphire Reserve

Sapphire showdown: Chase Sapphire Preferred vs. Chase Sapphire Reserve

Heads up! We share savvy shopping and personal finance tips to put extra cash in your wallet. Android Central may receive a commission from The Points Guy Affiliate Network. Please note that the offers mentioned below are subject to change at any time and some may no longer be available.

The Chase Sapphire Reserve and the Chase Sapphire Preferred Card are two of the most talked-about travel credit cards, thanks to the valuable Ultimate Rewards program, top-notch benefits and valuable travel protections.

You might assume that the Chase Sapphire Reserve — which comes with a higher annual fee and more luxury benefits — is always the better choice. It is the higher-tier card, but that doesn’t mean it’s necessarily the better card for you. With the Chase Sapphire Preferred offering a higher sign-up bonus of 80,000 points after you spend $4,000 in the first three months and travel understandably on the back burner for many cardholders, there are plenty of reasons why it could be the more attractive option for your wallet.

Before we get into the benefits of these two cards, note that you can’t hold the CSP and the CSR at the same time, and you need to wait at least 48 months between earning the sign-up bonus on one card before you can earn it on the other. Also, make sure you don’t bump up against Chase’s infamous 5/24 rule.

Travel coverage and purchase protection

It’s also worth comparing the coverage offered by these two cards for things like travel delays, trip cancellation and purchase protection.

An argument for the Reserve


The Chase Sapphire Reserve is obviously the more premium of the two cards. If you’re a frequent traveler, the Reserve will likely give you more long-term value.

Premium travel benefits

If you’re looking for premium perks, the Reserve is the way to go. You’ll get a $300 travel credit each year with the Reserve, a $100 credit for the TSA PreCheck or Global Entry application fee every four years and a Priority Pass Select membership that gives you entry into airport lounges around the world. Plus, the card just added new benefits.

As part of a new partnership with food delivery service DoorDash, cardholders receive a $60 annual DoorDash credit to use on food delivery each year in 2020 and 2021 and a one-year complimentary subscription to DashPass (which waives the delivery fee at eligible restaurants and discounts service fees on orders of more than $12). Cardholders will also get a free one-year Lyft Pink membership, which includes a 15% discount on all rides and free bike and scooter rentals each month.

While some of these perks can’t be used right now, if you take advantage of these perks later on in 2020 and into 2021, you’ll more than offset the cost of the Sapphire Reserve’s $550 annual fee each year.

Higher earning rates

The Chase Sapphire Reserve has a higher earning rate than the Chase Sapphire Preferred. Those who spend a lot on Lyft, travel and dining will find the added points per dollar on those purchases rewarding. For example, if you know you’ll spend $50 per month on Lyft and $1,000 a month on travel and dining

You can see that there is potentially a huge difference in earnings over the course of a year. Even though TPG values all Ultimate Rewards (no matter which card earns them) at 2 cents each, the Reserve provides $300 more in annual rewards value in the above example. The more you plan to spend in those bonus categories, the bigger the difference in rewards. Let’s say you spend $2,000 a month on travel and dining and the same $50 on Lyft. That would bring your Reserve earnings up to 78,000 points annually ($1,560 in value) versus 51,000 points with the Preferred ($1,020).

Keep in mind, though, that you won’t earn 3x on travel until you have used up your $300 travel credit.

Both cards have received temporary benefits from Chase to help cardholders maximize their cards while travel may not be in everyone’s 2020 plans, and the Chase Sapphire Reserve has understandably gotten higher temporary earning rates as well — 10x on select streaming services (on up to $1,500), 5x at gas stations (on up to $1,500) and 5x on Instacart (up to $3,000) through Sept. 30, 2020.

50% redemption bonus

In addition to a higher earning rate, the Reserve also comes with a higher redemption rate when you book travel through the Chase Ultimate Rewards portal. The Chase Sapphire Reserve allows you to redeem each point at 1.5 cents each, compared to 1.25 cents each with the Preferred.

I don’t typically suggest booking hotels through a third-party portal unless you find a great deal, because you typically won’t earn hotel points, elite credits or have your elite status recognized (though that isn’t always the case). But if you are regularly booking airfare through the portal, it’s worth having the Reserve for the higher redemption rate. A $600 plane ticket will cost you 48,000 points with the Preferred but only 40,000 points with the Reserve.

Through Sept. 30, this 50% redemption bonus also extends to grocery stores, home improvement stores and dining establishment purchases that can be erased through Chase’s new Pay Yourself Back feature.

Better trip insurance coverage

With more cards cutting trip insurance, premium coverage is harder to come by. Both the Preferred and the Reserve offer a great selection of travel insurance benefits but you get better coverage with the Reserve — almost double the coverage amount on some benefits like travel accident insurance and purchase protection. On its own, this may not be a reason to choose the Reserve over the Preferred, but when combined with the other additional benefits the Reserve offers, it could be a deciding factor.

An argument for choosing the Preferred


The Chase Sapphire Preferred can’t compete with the Reserve when it comes to perks such as the annual travel credit and the return on bonus-category spending, but this card still could make more sense for you.

Lower annual fee

The first advantage of the Sapphire Preferred is the most obvious: a significantly lower annual fee. The Sapphire Reserve costs $550 per year while the Preferred costs only $95. Of course, it’s worth keeping in mind that the Sapphire Reserve offers a $300 annual travel credit, which effectively lowers the cost to just $250 per year — a $155 premium over the Sapphire Preferred.

If you’ll be spending at least $300 on travel in a year anyway, it could be worth paying more for the Reserve. If that fee doesn’t seem manageable, the Sapphire Preferred Card is a very worthwhile alternative. In fact, I’ve held off on upgrading my own Chase Sapphire Preferred to the Chase Sapphire Reserve this year in light of the coronavirus pandemic and my limited travel spending in 2020.

The Preferred’s elevated sign-up bonus

The Chase Sapphire Preferred currently wins out over the Chase Sapphire Reserve by offering a higher sign-up bonus. Right now, you’ll earn 80,000 points after you spend $4,000 in the first three months. TPG values Ultimate Rewards points at 2 cents each, meaning this bonus is worth up to $1,600. By comparison, the Reserve is offering 50,000 points after you hit $4,000 in spend within the first three months, which is worth only $1,000.

Here’s the caveat: you can only receive one bonus from a Chase Sapphire card within 48 months, which means you need to choose carefully. The additional $600 in value you’ll get with the Preferred’s sign-up bonus is a compelling reason to apply for it over the Reserve. If you decide that you would get more value with the Reserve card’s features, you can always request an upgrade later down the line.

Same access to Ultimate Rewards transfer partners

Even though it doesn’t offer all the same premium benefits, the Sapphire Preferred Card offers identical transfer benefits to the Reserve card. No matter which card you choose, you’ll be able to move your Ultimate Rewards points (earned both through the sign-up bonus and through spending) to the program’s airline and hotel partners at a 1:1 ratio. Chase’s airline partners give you access to all three of the top alliances (Oneworld, Star Alliance and SkyTeam), so you’ll have a strong variety of options for putting your points to use.


The two cards do, however, differ when it comes to redeeming points through the Chase Ultimate Rewards travel portal. With the Preferred, you’ll get 1.25 cents in value per point, while with the Reserve you’ll get a higher value of 1.5 cents per point.

Check out our guide on maximizing Chase’s transfer partners

You still get primary rental car insurance

Long before Chase introduced the Sapphire Reserve, award travelers sang the praises of the Sapphire Preferred card’s auto collision damage waiver (CDW) benefit. This perk provides reimbursement for damage as a result of collision or theft for rentals of 31 days or less when you decline the rental agency’s CDW. If you’re eligible, you’ll be reimbursed up to the actual cash value of most rental vehicles.

With the Chase Sapphire Reserve, the terms and conditions actually cap reimbursement at $75,000. (It’s unlikely you’d need more reimbursement from either card, since most rental cars are worth far less.) It’s worth noting that the Preferred’s coverage excludes “expensive, exotic and antique automobiles.”

No authorized user fee

There are various reasons to consider an authorized user. You could be looking to help someone build up his or her credit history; you might want to provide employees with cards for a business account or maybe you’re looking to earn bonus rewards for adding additional users. With the Preferred, there’s no cost to add additional users. With the Reserve card, on the other hand, it costs $75 per year for each authorized user (most likely because each gets his or her own Priority Pass Select membership for airport lounge access).

Easier to get approved

A final reason to consider the Sapphire Preferred Card over the Sapphire Reserve Card is that it could be easier to be approved for the Preferred. As an ultra-premium card, the Reserve requires a top-notch credit score. You’ll still need a solid score for the Sapphire Preferred (typically somewhere in the high 600s to the 700s), but you might have an easier time getting approved for that card if your score is on the low end of the optimal range.

Bottom line

The Chase Sapphire Preferred Card has long been a TPG favorite. When the Reserve launched, however, it quickly became a go-to for luxury perks such as a Priority Pass Select membership and the annual $300 travel credit. You really can’t go wrong with either card; each has a lot to offer both beginners and veterans in the points-and-miles game.

If you’re looking at applying for one or the other right now, it’s important to consider the Chase Sapphire Preferred’s elevated sign-up bonus. It’s worth hundreds of dollars more without the Reserve’s $550 annual fee. You can always request an upgrade later on if you decide the Reserve will better serve your travel needs.

Apply here for the Chase Sapphire Preferred Card with a 80,000-point sign-up bonus.

Featured photo John Gribben for The Points Guy.


Kickstart your DevOps career with this 47-hour training bundle, just $39

What do you with your spare time? Are you a couch potato type who binges show after show? Hey, that’s cool. You do you. We don’t judge. This has been a tough year after all.If you’re a driven type of person who likes to stay sharp, learn new things, or challenge yourself, you might like the current deal in the AG Deals Store. It’s the perfect way to master new skills on your own schedule. And, best of all, it’s tech-related and could lead to a new career. Oh, and it’s dirt cheap right now!DevOps is the hot new approach that’s sweeping the tech landscape. It combine IT and operations teams into a single, make for a coordinated and optimized powerhouse. DevOps enables companies and organizations to create products and software with incredible efficiency. In other words, it’s a valuable skill to learn to say the least.Buying an unlocked phone? Consider these questionsThe Dynamic DevOps Certification Training Bundle is a 9-course collection of disciplines that take you from idea, to development and testing, up through deployment.Over 47 hours of education await you, with instruction on:Docker in Depth Training Course. Get the best learning experience for Docker technologies like Docker Compose, DockerHub, Docker Swarm, Docker ContainersPuppet Training Certification Course. Automate your IT infrastructure across the entire networkDevOps Training Certification Course. Learn the DevOps tools & methodologiesAnsible 2.0 Training course. Increase team productivity & improve business outcomesGIT Training Certification Training Course. Learn the basics of Git—a version control system (VCS), & understand how to set up Git in your systemAWS Sysops Associate Certification Training Course. Attain valuable technical expertise in deploying, managing, & operating fault-tolerant systems on AWSAgile Scrum Master Certification Training Course. Learn the most popular Agile project management methodologyAWS Technical Essentials Certification Training Course. Be fully proficient in identifying AWS terminologies, concepts, benefits, & deployment options to meet your business requirementsAWS Solution Architect Certification Training Course. Master AWS architectural principles & elevate your career to the cloud, and beyond with this AWS solutions architect courseAltogether, these ten courses would run well over $1,000 if you were to purchase individually, but this limited-time deal puts them at just $39.Best SellersSave even more!For every $25 you spend in the AG Deals Store you get $1 credit added to your account. And, if you refer the deal via social media or an email that results in a purchase, you’ll earn $10 credit in your account.First Time Buying?If this is your first time buying, you are also eligible for 10% discount! Just be sure to subscribe for email updates.Free StuffNot looking to spend any money today? No worries. You can still visit the AndroidGuys section for freebies and pick something anyhow.

Key strategies for application modernization

Digital technologies like mobile, cloud and big data are establishing new possibilities for businesses worldwide, as they can quickly transform any business by improving its overall efficiency and productivity, upgrading customer experiences, and reducing general costs.While each organization strives to be on the top with a modern-day approach to their tech habits, many corporations and smaller-scale businesses still run their everyday tasks on their legacy applications that they implemented twenty and more years ago. Over time, these old systems prove as obsolete and expensive to maintain, so organizations that seek to remain or reach the top are somewhat forced to transform their legacy applications to become more efficient, mobile, agile, and productive.Meet legacy application modernization. The need to stay relevant on the global market, stand out against the competition, and drive digital transformation within each company in the era of digital technologies caused the imminent growth of legacy application modernization solutions and their utilization. Even though legacy application modernization operations can prove to be a very challenging and complicated effort, every software needs an update. Hence, legacy applications need modernization from time to time, and there’s no other way around it.Via eLearning IndustryIn the last couple of years, business entities of all sizes invest in application modernization and additional strategic digital solutions to mold their applications into newer, up-to-date, and performance-oriented solutions. As a matter of fact, the global application modernization industry is anticipated to grow from $11.4 billion in 2020 to $24.8 billion by 2025 as organizations worldwide refuse to fall behind the rapid pace of innovation and technology and invest in their future.Suppose you’re genuinely interested in aligning your organization’s legacy software application stacks with your current business needs and other functionality requirements by utilizing some new technologies. In that case, you’re in the right place. According to Prolifics, a highly renowned and successful digital transformation company, there are various strategies to approach your legacy applications modernization. How you choose to approach the process will probably depend on your company systems and your budget. Here are their six fundamental strategies that you can use and modernize your business’ legacy applications.Application Modernization StrategiesDespite the fact that replacing it or redoing it from scratch may be the first thing that comes to mind, modernization should be done on a case by case basis. To decide on the application modernization strategy that is compatible with your organization and system, first, take your time, consult with your IT department, do thorough research, and assess your current system. Only after that will you be ready to select a strategy and modernize your business.Rehosting StrategyThe rehosting strategy is usually employed when you want to move your legacy system’s hosting to a new virtual, physical, or cloud infrastructure without any modifications in code, functions, or features. For instance, it makes sense to move your old legacy app to a cloud or SQL-based hosting environment.If you opt to migrate your legacy app to the cloud, your system will get more flexible and stable. Besides, cloud infrastructure means improved data security and the option for further continuous updates. The rehosting strategy is pretty common with older legacy applications, can be implemented and finished in a couple of days, and comes with lower cost and very few risks.Via TechDemandReplatforming StrategyReplatforming means that the developers will leave the legacy app approximately the same, keeping its functionality yet adapting it to a new platform. This modernization strategy aims to alter the applications until they can run in new target environments like cloud ones. Using this strategy, you can apply commercial databases to horizontally scalable open-source data services and stores.Refactoring StrategyRefactoring means optimizing the existing code on the backend within your legacy application without changing its functionality or front end behavior. This strategy is widely used to eliminate particular tech problems and improve the application’s structure and features. By re-coding a few parts of the current legacy system, businesses take advantage of cloud-native features and achieve max efficiency in the cloud.Re-Architecting StrategyRe-architecting means completely changing the application’s code to move it to another architecture because by modifying the code, you can entirely exploit new and better capabilities of the existing platform. For instance, you can accomplish that by moving from an old monolithic architecture to modern microservices.The re-architecting strategy can be a good idea because, according to IDC IT predictions, over 90% of all new applications will feature microservices architectures by 2022. Microservices are known to enhance the ability to design, update, debug, and leverage third-party code.Replacing StrategyAs the name indicates, replacing means changing or switching to another digital solution that suits your business needs and requirements. In some cases, it’s way more effective to replace your existing legacy system than actually modernize the current one.If you go with the replacing strategy, you won’t be able to reuse the existing app logic. Still, some level of customization, re-engineering, and rewriting logic may be involved and used. Replacing the current legacy application can be very risky and highly complex, so it should only be considered when maintaining your old legacy application becomes increasingly difficult due to hardware limitations or staff.Rebuilding StrategyRebuilding or redesigning your legacy application means building a brand new system from scratch with similar functions to the previous one. This way of modernizing your legacy app is a good option when your customers want more out of your business, and their experience with your organization interferes with what your current app can provide for them.The leading justification of this application modernization strategy is when the costs of supporting your old system have become more expensive than the price of rebuilding it from scratch.Via Federal News NetworkFinal WordsThere are many good reasons you should pursue application modernization regarding your legacy systems, as they are vital in your everyday business operations. Keeping them updated means you will work with better productivity, agility, and efficiency. All these strategies differ one from another, but they all have one thing in common. They demand a close look at your existing interconnected systems, applications, and other components. Make sure to consult with experienced industry professionals beforehand, understand the aspects of application modernization, smoothen your transition from your legacy system, and set up your business for success in the future!

Nest Learning Thermostat (3rd Gen) review

When it first burst onto the scene back in 2011, the Nest Learning Thermostat was heralded as a groundbreaking glimpse into the future of home automation for the masses. Here was this revolutionary device that looked unlike conventional thermostats, promised to be more energy efficient, and was incredibly simple to use.Much has changed over the near decade since its launch as it pertains to connected and smart homes. What was once on the bleeding edge of technology has become commonplace. Plenty of consumers have smart and automated devices and services in their homes; we’ve adapted to them rather quickly.Now in its third generation, the Nest Learning Thermostat has seen its fair share of tweaks and adjustments. Features have been added along the way, internal tech has gotten smarter, and it has streamlined its overall design. In just a few short years it has gone from being a revolutionary breakthrough to an evolutionary product in an increasingly competitive space.How does the Nest Learning Thermostat stand up in 2020? What is it like to install and use one? Read on for our review of the 3rd Generation device.What is the Nest Learning Thermostat?The Nest Learning Thermostat (3rd-Gen) is an electronic, programmable, and self-learning WiFi-connected thermostat. Once in place, it begins to learn how users make adjustments to temperatures in the home.The device uses a combination of sensors and machine learning to figure out schedules and temperatures. It can even shift into an energy-saving mode to turn off when nobody is home.What is it like to install the Nest Learning Thermostat?I was pleasantly surprised by how easy the Nest was to install. Included in the box are all of the requisite screws and mounts, some of them even being optional.While I am not a handyman, I can still find my way around a toolbox. With that said, it took me about 15 minutes to remove the old thermostat and install the Nest.Your mileage may vary, depending on how many wires you have or how elaborate of a heating and cooling system is in place. For me it was a case of inserting four wires (red, green, yellow, and white) into place.Once mounted and snapped into place, the Nest walks you through the initial software and user experience part of the setup. Using a combination of spinning the dial and pressing it you’ll set up language, location, and other basics. From there it’s on to the app.What is the app experience like for the Nest Learning Thermostat?As expected, the Nest app was straightforward and intuitive. Further, there were far more options and settings available in the app. Considering the simplicity of the device itself, I found the app revealed just how smart the Nest Learning Thermostat can be.While you can pretty much install it and leave default settings in place, it pays to look around and tinker. And that’s not just a turn of phrase, either. You’ll save yourself money over the life of the thermostat; it’s worth a few minutes in the app to add nickels and dimes to your bottom line.What else?I’ve only had the Nest Learning Thermostat in place for about a week or so, but I feel confident that it’s already working for me. Moreover, it’s a hell of a lot easier to manage than a traditional thermostat. Plus it looks really cool on the wall.I appreciate that I can turn the dial up a notch or two, or switch from heating to cooling with a flick of the wrist. I also like that I can set things so that the Nest will turn off or kick in when the temperature reaches a certain number.You know those nights where the temp drops lower than you expected? I sleep better knowing that the Nest will kick on and heat the house even if the unit was otherwise turned off.Likewise, it’s nice knowing that those daily temperatures settings and schedules aren’t set in stone. What works on Mondays and Tuesdays may not be the same as the rest of the work week. Nest will figure this out before I ever would and make adjustments.Would you recommend the Nest Learning Thermostat?Without a doubt. If you are in the process of building out a smart home, you owe it to yourself to at least consider the Nest Learning Thermostat. The sooner you add it to your house, the sooner you’ll be saving money long term.I’m a big fan of the Nest app and love the full range of options. I’m also really fond of the way it integrates with the Google Home app and Google Assistant experience. It doesn’t take long before you understand which voice commands prompt results or adjustments.Given that it’s available in a variety of finishes, and that it comes with a variety of mounting options, I have zero doubts that you’ll find something that matches your environment or tastes.Where can you buy the Nest Learning Thermostat?The Nest Learning Thermostat is available at a wide range of retailers, both brick-and-mortar (Target, Best Buy) and online (Amazon). Learn more about it at Google’s store where it’s available for $249.

The best phones available at Simple Mobile (October 2020)

T-Mobile is one of the biggest wireless network operators in the US, providing nearly 100 million subscribers with coverage. As you’d expect, it features quite an impressive handset selection, including models with 5G support. But what about other brands that use its network, such as Simple Mobile?Simple Mobile, as is the case with other MVNOs, has its own rate plans, customer service, and phone selection. Here, we’ll dig into the Android devices offered at Simple Mobile.Simple Mobile Buyer’s GuideCheap cell phone plans that use the T-Mobile networkWe’ve gathered up a handful of the best phones you can purchase at Simple Mobile today. Although we do select one as the best overall (Editors’ Choice), the list below offers phones that work for a variety of user types.For what it’s worth, the handset selection at Simple Mobile is fairly lean, skewing toward older models and refurbished phones. To that end, we always suggest buying an unlocked phone for use with a carrier. The options are plentiful in both directions and you’ll likely get something more powerful.Samsung Galaxy S20 UltraThe Biggest and BestYou can’t have a list of top phones without including the latest and greatest flagship. In this case, it’s the Samsung Galaxy S20 Ultra. Sure, there are other versions of the S20 to consider but this reigns supreme. Outfitted with a large (6.9-inch) screen, lots of RAM (12GB), and an incredible camera experience, it’s a no-compromise device.Powered by Android 10 with Samsung’s One UI, the phone is as powerful as it is sleek. Come for the 8K video recording, stay for the top-tier performance. Buy the Samsung Galaxy S20 UltraLG Stylo 5 LTEBig, practical, and (most importantly) affordable, the Stylo 5 LTE provides users with a large (6.2-inch) screen with stylus support. It’s perfect for scribbling notes, marking up documents, editing, and more.Running Android 9 Pie, the phone is powered by a 1.8GHz octa-core processor with 3GB RAM and 32GB storage. A microSD expansion card slot blows the door wide open for up to 2TB external media.Wrapping things up, the LG handset has a 13-megapixel rear camera, front-facing 5-megapixel selfie camera, and a 3,500mAh battery with USB Type-C charging. Buy the LG Stylo 5Motorola Moto G6We really like how Motorola handles its smartphones. For the past few years it has employed a stock version of Android, adding only the smallest of custom features. Moreover, they’re priced considerably lower than what a lot of bigger name brands charge.Here, you get a big (5.7-inch) screen, a fairly modern build of Android, and respectable smattering of mid-range hardware. Details include an octa-core processor with 3GB RAM, 32GB internal storage, and a microSD card slot for external media.Other things we appreciate? The dual rear cameras, lightning fast charging, and a water resistant coating. Tthat extra money left in our wallets is always nice, too. Buy the Motorola Moto G6Samsung Galaxy A50Knowing that we already have a Samsung phone on this list, we have to add the Galaxy A50. Why? Because it’s a fraction of what the Galaxy S models cost, yet it still gives users all the features they find important.The Galaxy A series in itself is very interesting to watch, however this is the one we like most. Present are a generous 6.4-inch display and a multi-camera (25 MP/8 MP/5MP) array on the rear, and a battery that rivals most phones. You know, the stuff we love.Under the hood are an octa-core processor with 4GB RAM, 64GB internal storage, and a microSD expansion card slot for up to 512GB space. Rounding things out are a headphone jack, fingerprint reader, and USB Type C charging. Buy the Samsung Galaxy A50