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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 Preferred

American Express

Blue Cash Preferred

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

Top earning rates

  • 6×U.S. supermarkets · Reward Dollars
  • 3×Gas at U.S. gas stations
  • 3×Transit
  • 1×Other eligible purchases · Reward Dollars

Key benefits

  • $120 Disney Streaming Credit · $10
  • Car Rental Loss and Damage Insurance · $0
  • Global Assist® Hotline · $0
  • Purchase Protection · $0
  • American Express Venue Collection · $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×Eligible Peloton equipment and accessory purchases over $150
  • 8×Chase Travel purchases
  • 5×Lyft rides
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • 24-Hour Travel Accident Insurance · $100000
  • Emergency Evacuation and Transportation · $100000
  • Auto Rental Collision Damage Waiver · $75000
  • Trip Cancellation and Interruption Insurance · $10000
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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