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NameSapphire ReserveSapphire PreferredFreedomFreedom UnlimitedInk PreferredInk Cash
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Bonus (Standard)50000 UR50000 UR15,000 UR15,000 UR80,000 UR30,000 UR
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Add AU Bonus (one only)No5,000 UR2,500 UR2,500 URNoNo
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Minimum Spend$4,000$4,000$500$500$5,000$3,000
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Annual Fee$450$95$0$0$95$0
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1st Year waivedNoYesN/AN/ANoN/A
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Under 5/24 restrictionYesYesYesYesYesYes
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Counts Against 5/24YesYesYesYesNoNo
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Quarterly BonusNoNo5xNoNoNo
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Lounge AccessPriority PassNoNoNoNoNo
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Travel Bonus3x2x1x1.5x3x ($150,000 cap)1x
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Dining Bonus3x2x1x1.5x1x2x ($25,000 Cap)
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Groceries Bonus1x1x1x1.5x1x1x
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Gas Bonus1x1x1x1.5x1x2x ($25,000 cap)
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Office Supplies Bonus1x1x1x1.5x1x5x ($25,000 cap)
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Shipping/Advertising Bonus1x1x1x1.5x3x ($150,000 cap)1x
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Phone/Internet Bonus1x1x1x1.5x3x ($150,000 cap)5x ($25,000 cap)
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Unbonused Spend1x1x1x1.5x1x1x
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UR Cash Value1 cpp1 cpp1 cpp1 cpp1 cpp1 cpp
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UR Value on travel1.5 cpp1.25 cpp1 cpp1 cpp1.25 cpp1 cpp
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Transfer partnersYesYesNoNoYesNo
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Travel Credit$300 / yearNoNoNoNoNo
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Global Entry$100/4 yearsNoNoNoNoNo
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Rental Car InsurancePrimary/$75,000Primary/Cash ValueSecondarySecondary
Primary for Biz/Cash Value
Primary for Biz/Cash Value
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Trip Cancel Ins$10,000$10,000$5,000$5,000$5,000No
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Trip Interruption Ins$10,000$10,000$5,000$5,000$5,000No
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Travel Accident Ins$1,000,000$500,000$250,000$250,000$500,000$500,000
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Trip Delay6 Hrs/$50012 Hrs/$500NoNo12 Hrs/$500No
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Baggage Delay6 Hrs/$100x5 Days6 Hrs/$100x5 DaysNoNo6 Hrs/$100x5 Days6 Hrs/$100x3 Days
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Emergency Evac$100,000NoNoNoNoNo
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Emergency Medical$2,500NoNoNoNoNo
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Roadside ServiceUp to $50x4$59.95 Per UseUsage FeeUsage FeeUsage FeeUsage Fee
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Foreign Transcation Fee003%3%03%
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Lost Luggage$3,000$3,000$3,000$3,000$3,000No
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Purchase Protection120 Days/$10,000120 Days/$500120 Days/$500120 Days/$500120 Days/$10,000120 Days/$10,000
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Price Protection90 Days/$50090 Days/$50090 Days/$50090 Days/$50090 Days/$500No
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Return Protection90 Days/$50090 Days/$50090 Days/$25090 Days/$25090 Days/$500No
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Extended Warranty1 Year1 Year1 Year1 Year1 Year1 Year
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Cellphone ProtectionNoNoNoNo$600No
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