American Express® Green Card vs Chase Sapphire Reserve®

American Express® Green CardAmerican Express® Green Card

American Express

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Chase Sapphire Reserve®Chase Sapphire Reserve®

Chase

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Annual Fee
$150
$795
Card Type
Personal
Personal
Rewards Currency
Membership Rewards
Chase Ultimate Rewards
Point Value
2.00¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
40,000 Membership Rewards after $3,000 in 180 days
100,000 Chase Ultimate Rewards after $6,000 in 3 months

Effective return by category

CategoryAmerican Express® Green CardChase Sapphire Reserve®
Airfare6.00%
3x
8.00%
4x
Hotels & Lodging6.00%
3x
8.00%
4x
Dining & Restaurants6.00%
3x
6.00%
3x
Car Rentals6.00%
3x
2.00%
1x
Transit & Rideshare6.00%
3x
2.00%
1x
Everything else2.00%
1x
2.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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