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All comparisons
Head-to-head, 2026

American Express Marriott Bonvoy Business Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Sapphire Preferred

American Express

Marriott Bonvoy Business

Annual fee
$125
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy®
  • 4×Restaurants worldwide
  • 4×Standalone U.S. gas stations
  • 2×All other eligible purchases

Key benefits

  • Additional Free Night Award (Spend Tier) · $263
  • Annual Free Night Award · $263
  • American Express Venue Collection · $250
  • Amex Event Perks · $0
  • Amex Special Ticket Access · $0
Full American Express Marriott Bonvoy Business review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred 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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