Chase Sapphire Preferred® Card vs RCI Elite Rewards World Mastercard
Chase Sapphire Preferred® Card earns more in 12 of the 12 categories we track. RCI Elite Rewards World Mastercard has the lower annual fee.
The basics
| Detail | Chase Sapphire Preferred® Card | RCI Elite Rewards World Mastercard |
|---|---|---|
| Annual fee | $95 | None |
| Card type | Personal | Personal |
| Rewards | Chase Ultimate Rewards | RCI Member Rewards |
| Each point is worth | 1.70¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | 75,000 Chase Ultimate Rewards after $5,000 in 3 months | — |
What each earns
| Category | Chase Sapphire Preferred® Card | RCI Elite Rewards World Mastercard |
|---|---|---|
| Card Travel Portals | 8.5% (higher) 5x | 2.0% 2x |
| Dining & Restaurants | 5.1% (higher) 3x | 1.0% 1x |
| Streaming | 5.1% (higher) 3x | 1.0% 1x |
| Gas Stations | 5.1% (higher) 3x | 2.0% 2x |
| EV Charging | 5.1% (higher) 3x | 2.0% 2x |
| Meal Kits & Grocery Delivery | 5.1% (higher) 3x | 1.0% 1x |
| Travel | 3.4% (higher) 2x | 2.0% 2x |
| Airfare | 3.4% (higher) 2x | 2.0% 2x |
| Car Rentals | 3.4% (higher) 2x | 2.0% 2x |
| Hotels & Lodging | 3.4% (higher) 2x | 2.0% 2x |
| Rideshare & Transit | 3.4% (higher) 2x | 2.0% 2x |
| Everything else | 1.7% (higher) 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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