| Category | Blue Business Cash | Sapphire Reserve |
|---|---|---|
| Annual Fee | $0 | $795 |
| Signup Bonus | N/A | 125,000 points |
| Base Earning Rate | 1.0X | 1.0X |
| Card Network | N/A | N/A |
| Reward Type | points | points |
Winner by Category
Annual Fees
Blue Business Cash
Lower annual fee ($0 vs $795)
Rewards Earning
Sapphire Reserve
5 earning categories
Benefits & Protection
Sapphire Reserve
12 benefits vs 0
Statement Credits
Sapphire Reserve
$2348 in annual credits
Flexibility
Sapphire Reserve
Transferable points to airline/hotel partners
The Winner: Blue Business Cash
Blue Business Cash edges out Sapphire Reserve in our comparison, offering better overall value for most cardholders.
Important: The "best" card depends on your specific spending habits and financial goals. See the detailed comparison above to make the right choice for you.
Rewards Earning: Detailed Comparison
Blue Business Cash
No bonus categories data available
Sapphire Reserve
| Chase Travel purchases including The Edit | 8.0X |
| Flights booked directly with airlines | 4.0X |
| Hotels booked directly | 4.0X |
| Dining worldwide | 3.0X |
| All other purchases | 1.0X |
Card Benefits: Detailed Comparison
Blue Business Cash (0 benefits)
No benefits data available
Sapphire Reserve (12 benefits)
- Emergency Medical and Dental (up to $2,500)
- Lost Luggage Reimbursement (up to $3,000)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Primary Auto Rental Coverage (up to $75,000)
- Purchase Protection (up to $10,000)
- Extended Warranty Protection
- Emergency Evacuation/Transportation (up to $100,000)
- Priority Pass Select + Chase Sapphire Lounges (up to $469)
- Global Entry/TSA PreCheck/NEXUS Credit (up to $120)
- IHG One Rewards Platinum Elite Status