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Head-to-head, 2026

American Express Hilton Honors Aspire 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 Hilton Honors AspireBigger welcome offer: Chase Sapphire Reserve

American Express

Hilton Honors Aspire

Annual fee
$550
Network
amex
Welcome value
$750
Min spend
$6,000 / 6mo

Top earning rates

  • 14×Hotels · Hilton Honors
  • 7×Flights · Hilton Honors
  • 7×Car rentals · Hilton Honors
  • 7×Dining · Hilton Honors

Key benefits

  • Annual Free Night Reward · $350
  • Free Night Reward at $30k (Spend Tier) · $350
  • $219 CLEAR+ Credit · $219
  • Hilton Resort Credit · $200
  • $200 Flight Credit · $50
Full American Express Hilton Honors Aspire 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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