Chase Sapphire Reserve® vs. American Express Blue Business Cash Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
Full review →
American Express Blue Business Cash Card
American Express
4.7
Simple 2% cash back on all purchases up to $50k/year. No annual fee.
Full review →WealthSpott Verdict
American Express Blue Business Cash Card wins on more measurable categories — particularly annual cost. Chase Sapphire Reserve® may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Reserve®
American Express Blue
Annual Fee
$550/yr
$0 Best
Sign-up Bonus
60,000 points
$250 statement credit after $3k spend in 3 months
Rewards Rate
1x-10x
2% on first $50k then 1%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
None
Regular APR
22.49%-29.49% Variable
18.49%-26.49% Best
Foreign Transaction Fee
None
—
Recommended Credit Score
720-850
670+
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
American Express Blue Business Cash Card
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