Chase Sapphire Reserve for Business℠ vs Marriott Bonvoy Brilliant®
Side-by-side comparison
| Chase Sapphire Reserve for Business℠ | Marriott Bonvoy Brilliant® | |
|---|---|---|
| Annual fee | $795 | $650 |
| Welcome offer | ||
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 2% |
| Travel | 4% | 3% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $666 | $954 |
| Points type | Transfers to airlines & hotels | Locked to Marriott Bonvoy |
| Network | Visa | Amex |
*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 Chase Sapphire Reserve for Business℠ earns about $666 a year in rewards and the Marriott Bonvoy Brilliant® about $954, valuing every point at a flat 1 cent. The Chase Sapphire Reserve for Business℠ charges $795, but carries about $435 in annual statement credits that offset it for anyone who uses them. The Marriott Bonvoy Brilliant® charges $650, but carries about $335 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Marriott Bonvoy Brilliant® delivers more total value, about $383 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Chase Sapphire Reserve for Business℠ earns points you can move to travel partners for outsized value, while the Marriott Bonvoy Brilliant® stays locked to a single airline or hotel program. Favor the Chase Sapphire Reserve for Business℠ if you will use travel transfers, the Marriott Bonvoy Brilliant® if you want simplicity. On the sign-up bonus, the two are currently comparable in size. Note that Chase Sapphire Reserve for Business℠ and Marriott Bonvoy Brilliant® are running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Chase Sapphire Reserve for Business℠ if your spending leans toward travel. Pick the Marriott Bonvoy Brilliant® if your spending leans toward advertising, shipping, office supplies.