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Side-by-side

Blue Business Cash Card from American Express vs Chase Sapphire Reserve

Both are well-respected travel cards. The Blue Business Cash Card from American Express comes from American Express at $0/yr; the Chase Sapphire Reserve from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Sapphire Reserve is the stronger pick today, the sign-up bonus is meaningfully larger ($2,250 more in estimated value) than the Blue Business Cash Card from American Express's. Get the Chase Sapphire Reserve first; revisit the Blue Business Cash Card from American Express after you've earned that bonus.

FeatureBlue Business Cash Card from American ExpressChase Sapphire Reserve
Annual fee$0$795
Sign-up bonus$250 statement credit125,000 points
Bonus value (est.)$250$2,500
Min spend to unlock bonus$3,000 in 3 mo$6,000 in 3 mo
IssuerAmerican ExpressChase
Card categorybusinesstravel
Best earning category (All_purchases_first_50k_per_year)2x1x
Transfer partnersNonechase-ur
Headline benefits
  • 2% cash back up to $50K/yr
  • $0 annual fee
  • 0% intro APR 12 months
  • Auto-credited to statement
  • $300 annual travel credit
  • 8x on Chase Travel
  • 4x on flights & hotels booked direct
  • $500 The Edit hotel credit
Read the full review
Blue Business Cash Card from American Express
$0/yr · $250 statement credit
Read the full review
Chase Sapphire Reserve
$795/yr · 125,000 points

Editorial take: Blue Business Cash Card from American Express

The cash-back twin of the Blue Business Plus. Same 2% catch-all up to $50K/year, but you get automatic statement credit instead of Membership Rewards points. Simpler for businesses that don't want to manage a points balance; less ceiling than the Plus for transfer-partner redemptions.

Editorial take: Chase Sapphire Reserve

Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.

Common questions

Which card has the bigger sign-up bonus, Blue Business Cash Card from American Express or Chase Sapphire Reserve?
The Chase Sapphire Reserve has the bigger bonus, 125,000 points, worth roughly $2,500, versus $250 statement credit (~$250) on the Blue Business Cash Card from American Express.
Is the Blue Business Cash Card from American Express's $0 annual fee worth it compared to the Chase Sapphire Reserve?
The Blue Business Cash Card from American Express has no annual fee, so the question is whether the Chase Sapphire Reserve's $795 fee is justified by its perks. If you'll use enough of the Chase Sapphire Reserve's benefits to clear $795 in value annually, it's worth it; otherwise stick with the Blue Business Cash Card from American Express.
Can I have both the Blue Business Cash Card from American Express and Chase Sapphire Reserve?
Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Blue Business Cash Card from American Express or the Chase Sapphire Reserve first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Blue Business Cash Card from American Express: $3,000 spend in 3 months. Chase Sapphire Reserve: $6,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.