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Chase Amazon Visa vs Sapphire Reserve for Business

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Sapphire Reserve for Business 2.1% 1x base rate
  2. Amazon Visa 1.0% 1% base rate

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel 16.4% 8x
  2. Amazon Visa · Chase Travel 3.0% 3%

Amazon

  1. Amazon Visa 3.0% 3%
  2. Sapphire Reserve for Business 2.1% 1x base rate

Advertising

  1. Sapphire Reserve for Business 6.2% 3x
  2. Amazon Visa 1.0% 1% base rate

Whole Foods Market

  1. Amazon Visa 3.0% 3%
  2. Sapphire Reserve for Business 2.1% 1x base rate

Flights

  1. Sapphire Reserve for Business 8.2% 4x
  2. Amazon Visa 1.0% 1% base rate

Hotels

  1. Sapphire Reserve for Business 8.2% 4x
  2. Amazon Visa 1.0% 1% base rate

Lyft

  1. Sapphire Reserve for Business 10.3% 5x
  2. Amazon Visa 2.0% 2%

What the numbers are doing

Sapphire Reserve for Business tops everything else at 2.1% only because this table values its points at 2.05 cents each. Value them at one cent and Amazon Visa wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Amazon Visa $0 and Sapphire Reserve for Business $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve for Business takes everything else, advertising, flights and hotels, plus 1 more; Amazon Visa takes amazon and whole foods market.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve for Business2.1%
Travel · portalSapphire Reserve for Business · Chase Travel16.4%
AmazonAmazon Visa3.0%
AdvertisingSapphire Reserve for Business6.2%
Whole Foods MarketAmazon Visa3.0%
FlightsSapphire Reserve for Business8.2%
HotelsSapphire Reserve for Business8.2%
LyftSapphire Reserve for Business10.3%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Sapphire Reserve for Business — 2.1%
  2. Amazon Visa — 1.0%

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel — 16.4%
  2. Amazon Visa · Chase Travel — 3.0%

Amazon

  1. Amazon Visa — 3.0%
  2. Sapphire Reserve for Business — 2.1%

Advertising

  1. Sapphire Reserve for Business — 6.2%
  2. Amazon Visa — 1.0%

Whole Foods Market

  1. Amazon Visa — 3.0%
  2. Sapphire Reserve for Business — 2.1%

Flights

  1. Sapphire Reserve for Business — 8.2%
  2. Amazon Visa — 1.0%

Hotels

  1. Sapphire Reserve for Business — 8.2%
  2. Amazon Visa — 1.0%

Lyft

  1. Sapphire Reserve for Business — 10.3%
  2. Amazon Visa — 2.0%
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