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All comparisons
Head-to-head, 2026

American Express Blue Cash Preferred Chase Sapphire Reserve

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 Cash PreferredBigger welcome offer: Chase Sapphire Reserve

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 Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Peloton equipment and accessory purchases
  • 8×Chase Travel purchases
  • 5×Qualifying Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • $500 credit for stays with The Edit · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 in StubHub credits · $300
  • Reserve Travel Designers · $300
  • Annual Travel Credit · $300
Full Chase Sapphire Reserve 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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