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×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
Chase
Sapphire Reserve for Business
- Annual fee
- $795
- Network
- visa
- Welcome value
- ~$2,000
- Min spend
- $30,000 / 6mo
Top earning rates
- 8×Purchases made using your card through Chase Travel
- 5×Qualifying Lyft products and services purchased through the Lyft mobile application
- 4×Flights and hotels booked direct
- 3×Social media and search engine advertising
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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