All comparisons
Head-to-head, 2026
Chase Sapphire Reserve Chase Sapphire Reserve for Business
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
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
Chase
Sapphire Reserve for Business
- Annual fee
- $795
- Network
- visa
- Welcome value
- —
- Min spend
- —
Top earning rates
- 8×Chase Travel purchases · Ultimate Rewards
- 5×Qualifying Lyft products and services · Ultimate Rewards
- 4×Flights and hotels booked direct · Ultimate Rewards
- 3×Social media and search engine advertising · Ultimate Rewards
Key benefits
- The Edit on-property benefits · $550
- $500 The Edit hotel credit · $500
- $500 The Shops at Chase credit (Spend Tier) · $500
- $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
- $300 annual travel credit · $300
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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