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All comparisons
Head-to-head, 2026

American Express Blue Cash Preferred Chase Sapphire Preferred

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

Bigger welcome offer: Chase Sapphire Preferred

American Express

Blue Cash Preferred

Annual fee
$95
Network
amex
Welcome value
$300
Min spend
$3,000 / 6mo

Top earning rates

  • 6×Groceries · Reward Dollar Balance
  • 6×Streaming · Reward Dollar Balance
  • 3×Gas · Reward Dollar Balance
  • 3×Transit · Reward Dollar Balance

Key benefits

  • Disney Streaming Credit · $10
  • Purchase Protection · $0
  • Extended Warranty · $0
  • Return Protection · $0
  • Car Rental Loss and Damage Insurance · $0
Full American Express Blue Cash Preferred review

Chase

Sapphire Preferred

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

Top earning rates

  • 5×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Online grocery stores · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $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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