Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

American Express Marriott Bonvoy Brilliant 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 BrilliantBigger welcome offer: Chase Sapphire Reserve

American Express

Marriott Bonvoy Brilliant

Annual fee
$650
Network
amex
Welcome value
~$1,125
Min spend
$6,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy · Marriott Bonvoy
  • 3×Restaurants worldwide · Marriott Bonvoy
  • 3×Flights booked directly with airlines · Marriott Bonvoy
  • 2×All other eligible purchases · Marriott Bonvoy

Key benefits

  • Free Night Award · $638
  • American Express Venue Collection · $250
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $100 Marriott Bonvoy Property Credit · $100
  • Brilliant Dining Credit · $25
Full American Express Marriott Bonvoy Brilliant 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