Chase Sapphire Reserve® vs Marriott Bonvoy Brilliant® American Express® Card

Chase Sapphire Reserve®Chase Sapphire Reserve®

Chase

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Marriott Bonvoy Brilliant® American Express® CardMarriott Bonvoy Brilliant® American Express® Card

American Express

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Annual Fee
$795
$650
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Marriott Bonvoy Points
Point Value
2.00¢/pt
0.70¢/pt
Base Earn Rate
1x
2x
Welcome Bonus
100,000 Chase Ultimate Rewards after $6,000 in 3 months
100,000 Marriott Bonvoy Points after $6,000 in 180 days

Effective return by category

CategoryChase Sapphire Reserve®Marriott Bonvoy Brilliant® American Express® Card
Airfare8.00%
4x
2.10%
3x
Hotels & Lodging8.00%
4x
1.40%
2x
Dining & Restaurants6.00%
3x
2.10%
3x
Everything else2.00%
1x
1.40%
2x

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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