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Head-to-head, 2026

American Express Marriott Bonvoy 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 Marriott Bonvoy Business

American Express

Marriott Bonvoy Business

Annual fee
$125
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 6×hotels · Marriott Bonvoy
  • 4×dining · Marriott Bonvoy
  • 4×gas · Marriott Bonvoy
  • 4×wireless · Marriott Bonvoy

Key benefits

  • Annual Free Night Award · $250
  • 15 Elite Night Credits · $150
  • Marriott Bonvoy Gold Elite Status · $100
  • 7% Room Rate Discount · $50
  • No Foreign Transaction Fees · $50
Full American Express Marriott Bonvoy Business 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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