Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

American Express Business Gold 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 Business Gold

American Express

Business Gold

Annual fee
$375
Network
amex
Welcome value
—
Min spend
$15,000 / 3mo

Top earning rates

  • 4×2 categories where your business spends the most in each billing cycle from 6 categories · Membership Rewards
  • 3×Flights & Pre-Paid Hotels · Membership Rewards
  • 3×The Hotel Collection · Membership Rewards
  • 1×All Other Eligible Purchases · Membership Rewards

Key benefits

  • $300 ChatGPT Business Credit · $300
  • $150 Squarespace Credit · $150
  • $240 Flexible Business Credit · $20
  • $155 Walmart+ Credit · $13
  • Car Rental Loss and Damage Insurance · $0
Full American Express Business Gold 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.

Get my personal answer