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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve U.S. Bank Business Essentials Plus Visa Signature Card

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

Lower annual fee: U.S. Bank Business Essentials Plus Visa Signature CardBigger welcome offer: Chase Sapphire Reserve

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 · Ultimate Rewards
  • 8×Chase Travel purchases · Ultimate Rewards
  • 5×Lyft rides · Ultimate Rewards
  • 4×Flights and hotels booked direct · Ultimate Rewards

Key benefits

  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $500 credit for stays with The Edit · $500
  • Annual Travel Credit · $300
  • $250 Credit for The Shops at Chase (Spend Tier) · $250
  • $250 Credit for select Chase Travel Hotels · $250
Full Chase Sapphire Reserve review

U.S. Bank

Business Essentials Plus Visa Signature Card

Annual fee
$295
Network
visa
Welcome value
$1,000
Min spend
$15,000 / 5mo

Top earning rates

  • 10×Prepaid hotels and car rentals · U.S. Bank Business Essentials Plus cash back
  • 5×Top eligible spend category each month · U.S. Bank Business Essentials Plus cash back
  • 2×All other purchases · U.S. Bank Business Essentials Plus cash back

Key benefits

  • No benefits on file
Full U.S. Bank Business Essentials Plus Visa Signature Card 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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