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All comparisons
Head-to-head, 2026

American Express Blue Business Plus Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Blue Business PlusBigger welcome offer: Chase Sapphire Preferred

American Express

Blue Business Plus

Annual fee
$0
Network
amex
Welcome value
~$300
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Everyday business purchases · Membership Rewards
  • 2×Eligible purchases on AmexTravel.com or the Amex Travel App™ · Membership Rewards
  • 1×All other eligible purchases · Membership Rewards

Key benefits

  • Extended Warranty · $0
  • Car Rental Loss and Damage Insurance · $0
  • Amex Special Ticket Access · $0
  • Purchase Protection · $0
  • Year-End Summary · $0
Full American Express Blue Business Plus review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Complimentary DashPass Membership · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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