American Express Blue Business Cash Card vs Chase Sapphire Reserve®
Side-by-side comparison
| American Express Blue Business Cash Card | Chase Sapphire Reserve® | |
|---|---|---|
| Annual fee | No annual fee | $795 |
| Welcome offer | $250 statement credit | 100,000 Ultimate Rewards® Points |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 4% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $642 |
| Points type | Cash back only | Transfers to airlines & hotels |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express Blue Business Cash Card earns about $900 a year in rewards and the Chase Sapphire Reserve® about $642, valuing every point at a flat 1 cent. The American Express Blue Business Cash Card has no annual fee, so its rewards are all profit. The Chase Sapphire Reserve® charges $795, but carries about $2,108 in annual statement credits that offset it for anyone who uses them. The two are effectively tied on value, with the Chase Sapphire Reserve® marginally ahead, mostly because it earns more where you spend most, on travel. The bigger difference is the ceiling: the Chase Sapphire Reserve® earns points you can move to travel partners for outsized value, while the American Express Blue Business Cash Card pays plain cash back. Favor the Chase Sapphire Reserve® if you will use travel transfers, the American Express Blue Business Cash Card if you want simplicity. On the sign-up bonus, the Chase Sapphire Reserve® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express Blue Business Cash Card if your spending leans toward advertising, shipping, office supplies. Pick the Chase Sapphire Reserve® if your spending leans toward travel.