Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Verizon Visa Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or Verizon Visa Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Preferred Card have that the Verizon Visa Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the Verizon Visa Card?

Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Verizon Visa Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or Verizon Visa Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Preferred Card have that the Verizon Visa Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the Verizon Visa Card?

Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Verizon Visa Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or Verizon Visa Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Preferred Card have that the Verizon Visa Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the Verizon Visa Card?

Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Chase Sapphire Preferred Card vs Verizon Visa Card

The Verizon Visa Card ($0/yr) is better for everyday value, while the Chase Sapphire Preferred Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Chase Sapphire Preferred Card

Chase

No image

Verizon Visa Card

Synchrony

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

—

Earn Rates

Category	Chase Sapphire Preferred Card	Verizon Visa Card
Dining	3X	4X
Gas Stations	1X

Category-by-Category Winner

Both cards win in 4 categories each — it comes down to which categories matter most to you.

Dining

Verizon Visa Card earns 4X vs 3X

Streaming

Chase Sapphire Preferred Card earns 3X vs 1X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Chase Sapphire Preferred Card earns 2X vs 1X

Verizon Purchases

Verizon Visa Card earns 4X vs 1X

Grocery Stores

Verizon Visa Card earns 4X vs 1X

Gas Stations

Verizon Visa Card earns 4X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the Verizon Visa Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.

The Bottom Line

The Verizon Visa Card has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Choose the Verizon Visa Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Verizon Visa Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or Verizon Visa Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Preferred Card have that the Verizon Visa Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Preferred Card or the Verizon Visa Card?: Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

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Chase Sapphire Preferred Card — Full Review All Chase Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Synchrony cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Chase Sapphire Preferred Card vs Verizon Visa Card

Chase Sapphire Preferred Card

Chase

No image

Verizon Visa Card

Synchrony

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

—

Earn Rates

Category	Chase Sapphire Preferred Card	Verizon Visa Card
Dining	3X	4X
Gas Stations	1X

Category-by-Category Winner

Both cards win in 4 categories each — it comes down to which categories matter most to you.

Dining

Verizon Visa Card earns 4X vs 3X

Streaming

Chase Sapphire Preferred Card earns 3X vs 1X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Chase Sapphire Preferred Card earns 2X vs 1X

Verizon Purchases

Verizon Visa Card earns 4X vs 1X

Grocery Stores

Verizon Visa Card earns 4X vs 1X

Gas Stations

Verizon Visa Card earns 4X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Verizon Visa Card has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Choose the Verizon Visa Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Verizon Visa Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or Verizon Visa Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Preferred Card have that the Verizon Visa Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Preferred Card or the Verizon Visa Card?: Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Chase Sapphire Preferred Card — Full Review All Chase Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Synchrony cards

Chase Sapphire Preferred Card vs Verizon Visa Card

Chase Sapphire Preferred Card

Chase

No image

Verizon Visa Card

Synchrony

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

—

Earn Rates

Category	Chase Sapphire Preferred Card	Verizon Visa Card
Dining	3X	4X
Gas Stations	1X

Category-by-Category Winner

Both cards win in 4 categories each — it comes down to which categories matter most to you.

Dining

Verizon Visa Card earns 4X vs 3X

Streaming

Chase Sapphire Preferred Card earns 3X vs 1X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Chase Sapphire Preferred Card earns 2X vs 1X

Verizon Purchases

Verizon Visa Card earns 4X vs 1X

Grocery Stores

Verizon Visa Card earns 4X vs 1X

Gas Stations

Verizon Visa Card earns 4X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Verizon Visa Card has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Choose the Verizon Visa Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Verizon Visa Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or Verizon Visa Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Preferred Card have that the Verizon Visa Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Preferred Card or the Verizon Visa Card?: Choose the Verizon Visa Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Chase Sapphire Preferred Card — Full Review All Chase Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Synchrony cards

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Chase Sapphire Preferred Card vs Verizon Visa Card

Chase Sapphire Preferred Card

Verizon Visa Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Preferred Card vs Verizon Visa Card

Chase Sapphire Preferred Card

Verizon Visa Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Preferred Card vs Verizon Visa Card

Chase Sapphire Preferred Card

Verizon Visa Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?