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
- $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
Chase
Sapphire Reserve for Business
- Annual fee
- $795
- Network
- visa
- Welcome value
- —
- Min spend
- $30,000 / 6mo
Top earning rates
- 10×travel booked through Chase Travel · Ultimate Rewards
- 10×dining booked through Chase Travel · Ultimate Rewards
- 5×flights booked through Chase Travel · Ultimate Rewards
- 3×travel · Ultimate Rewards
Key benefits
- $500 Credit for stays with The Edit · $500
- $250 Credit for Select Chase Travel Hotels · $250
- IHG One Rewards Platinum Elite status · $200
- The Edit Property Benefits · $100
- Global Entry / TSA PreCheck / NEXUS Credit · $100
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