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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
$900
Min spend
$6,000 / 6mo

Top earning rates

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

Key benefits

  • Hilton Honors Diamond Status · $750
  • Free Weekend Night · $500
  • Resort Spa Credit · $200
  • $400 Hilton Resort Credit · $200
  • $199 CLEAR Plus · $199
Full American Express Hilton Honors Aspire review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
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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