Chase Sapphire Reserve® vs. the Mastercard® Black Card™

Daniel Penzing
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About Chase Sapphire Reserve ® and the Mastercard ® Black Card™

Both of these cards are issued by JP Morgan Chase and give you rewards for the purchases you make.

The Chase Sapphire Reserve ® gives you more reward points than the Mastercard ® Black Card™ and is geared towards individuals that make larger purchases. The rewards you receive are based on how much you are spending.

The Mastercard ® Black Card™ is geared towards individuals that have a limited budget but still want to treat themselves from time to time. The rewards you receive are based on the transactions you make.

You could pay 1.5% to 2.5% in interest on the balance for both of these if you carry a balance.

You might be thinking “Why not just get the one that gives the most rewards?”

About Chase Sapphire Reserve ®

About the Mastercard ® Black Card™

How Are They the Same?

Both the Chase Sapphire Reserve and the Mastercard Black Card are excellent credit cards that bring a lot of rewards with them. Both cards offer a sign up bonus and provide a wide selection of benefits. The fact that both cards share so many similarities is not a coincidence, instead it is by design. The Black Card sprinted to the top of the charts when it came out and ever since that day, credit purveyors have tried to recreate the magic.

One of the primary differences between the two cards is the way the rewards programs work. The Black Card rewards its users for monthly spending, while the Sapphire Reserve rewards its users for spending and for spending a lot.

Although both are excellent credit cards, some of the features of these two cards will appeal to a select few. Check out our comparison to determine which card is better for you.

Who Should Get Which Card?

The Chase Sapphire Reserve is the best card on the market when it comes to all around travel rewards. This card features a 1.5 cent per point travel redemption value. The Black Card features a 1.5 cent per point travel redemption value as well, although the categories are significantly more restrictive.

If you want to use your rewards for travel, the Sapphire Reserve is the way to go. If you’re looking for a travel rewards card.

Rewards Comparison

First we’ll compare rewards programs. The Chase Sapphire Reserve® Credit Card has an Ultimate Rewards program, and the Mastercard® Black Card™ comes with the Mastercard® Rewards program. Each rewards program has three levels to reward consumers a higher percentage of return on specific types of purchases: the flexible, mid-tier and premier levels.

The Chase Sapphire Reserve® Credit Card and the Mastercard® Black Card™ both have flexible reward programs. Each rewards program has a different number of points per dollar spent and a different rewards level. The Chase Sapphire Reserve® Credit Card lets you earn 2 points for all travel and dining purchases and 1 point per dollar for all other purchases. The Mastercard® Black Card™ lets you earn 4 points per dollar on airfare, car rentals, hotels, taxis and gas; 3 points per dollar on dining and entertainment; and 1 point per dollar on everything else.

Signup Bonuses

Total Value

Who Are They Best For?

Conclusion