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All comparisons
Head-to-head, 2026

American Express Graphite Business Cash Unlimited Card 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 Graphite Business Cash Unlimited CardBigger welcome offer: Chase Sapphire Reserve

American Express

Graphite Business Cash Unlimited Card

Annual fee
$295
Network
amex
Welcome value
$1,500
Min spend
$50,000 / 6mo

Top earning rates

  • 2×Eligible purchases

Key benefits

  • American Express One AP Statement Credit (Spend Tier) · $2400
  • Return Protection · $0
  • No Foreign Transaction Fees · $0
  • Pay Over Time · $0
  • Virtual Card Controls · $0
Full American Express Graphite Business Cash Unlimited Card 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