Blue Business Cash Card from American Express vs Sapphire Reserve for Business

Common questions

Which card has the bigger sign-up bonus, Blue Business Cash Card from American Express or Sapphire Reserve for Business?

The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, 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 Sapphire Reserve for Business?

The Blue Business Cash Card from American Express has no annual fee, so the question is whether the Sapphire Reserve for Business's $795 fee is justified by its perks. If you'll use enough of the Sapphire Reserve for Business'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 Sapphire Reserve for Business?

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 Sapphire Reserve for Business 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. Sapphire Reserve for Business: $20,000 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.