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Side-by-side

TAP Miles and Go American Express Card vs Sapphire Reserve for Business

Both are well-respected travel cards. The TAP Miles and Go American Express Card comes from Cardless at $79/yr; the Sapphire Reserve for Business 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 Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,595 more in estimated value) than the TAP Miles and Go American Express Card's. Get the Sapphire Reserve for Business first; revisit the TAP Miles and Go American Express Card after you've earned that bonus.

FeatureTAP Miles and Go American Express CardSapphire Reserve for Business
Annual fee$79$795
Sign-up bonus40,000 bonus miles150,000 points
Bonus value (est.)-$2,595
Min spend to unlock bonus$2,500 in 3 mo$20,000 in 3 mo
IssuerCardlessChase
Card categoryairlinebusiness
Best earning category (Tap_air_portugal)3x1x
Transfer partnersNonechase-ur
Headline benefits
  • 3x miles on TAP purchases
  • 2 Lisbon lounge passes per year
  • Free extra checked bag
  • Star Alliance redemptions
    Read the full review
    TAP Miles and Go American Express Card
    $79/yr · 40,000 bonus miles
    Read the full review
    Sapphire Reserve for Business
    $795/yr · 150,000 points

    Editorial take: TAP Miles and Go American Express Card

    The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.

    Editorial take: Sapphire Reserve for Business

    Common questions

    Which card has the bigger sign-up bonus, TAP Miles and Go American Express Card or Sapphire Reserve for Business?
    The Sapphire Reserve for Business has a public bonus (150,000 points, worth roughly $2,595), while the TAP Miles and Go American Express Card doesn't advertise one right now.
    Is the TAP Miles and Go American Express Card's $79 annual fee worth it compared to the Sapphire Reserve for Business?
    At $79/yr, the TAP Miles and Go American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Sapphire Reserve for Business's, pick the one whose perks you'll actually use.
    Can I have both the TAP Miles and Go American Express Card and Sapphire Reserve for Business?
    Yes, since they're from different issuers (Cardless 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 TAP Miles and Go American Express Card or the Sapphire Reserve for Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. TAP Miles and Go American Express Card: $2,500 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.

    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.