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Head-to-head, 2026

American Express Marriott Bonvoy Bevy 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 Marriott Bonvoy Bevy

American Express

Marriott Bonvoy Bevy

Annual fee
$250
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 6×Hotels · Marriott Bonvoy
  • 4×Dining · Marriott Bonvoy
  • 4×Groceries · Marriott Bonvoy
  • 2×All other purchases · Marriott Bonvoy

Key benefits

  • Marriott Bonvoy Bevy Free Night Award (Spend Tier) · $250
  • Car Rental Loss and Damage Insurance · $0
  • Complimentary Marriott Bonvoy Gold Elite Status · $0
  • Marriott Bonvoy 1K Bonus Points per Stay · $0
  • Extended Warranty · $0
Full American Express Marriott Bonvoy Bevy 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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