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Head-to-head, 2026

American Express Hilton Honors Business 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 BusinessBigger welcome offer: Chase Sapphire Reserve

American Express

Hilton Honors Business

Annual fee
$195
Network
amex
Welcome value
~$600
Min spend
$8,000 / 6mo

Top earning rates

  • 12×Hotels · Hilton Honors
  • 5×Eligible purchases · Hilton Honors
  • 3×All other purchases · Hilton Honors

Key benefits

  • $240 Hilton Credit · $60
  • Employee Cards · $0
  • Hilton Honors® Gold Status · $0
  • Upgrade to Hilton Honors Diamond Status (Spend Tier) · $0
  • Complimentary National Car Rental Status · $0
Full American Express Hilton Honors Business 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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