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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve Citi AAdvantage Business

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

Lower annual fee: Citi AAdvantage Business

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
Full Chase Sapphire Reserve review

Citi

AAdvantage Business

Annual fee
$595
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×Eligible American Airlines purchases · AAdvantage
  • 2×Gas stations and car rental merchants · AAdvantage
  • 2×Telecommunications merchants and cable and satellite providers · AAdvantage
  • 1×All other purchases · AAdvantage

Key benefits

  • Companion Certificate (Spend Tier) · $250
  • First checked bag free · $140
  • Preferred boarding · $0
  • Earn Loyalty Points · $0
  • 25% Inflight Savings · $0
Full Citi AAdvantage Business 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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