Chase Sapphire Reserve® vs Truist Enjoy Beyond
Chase Sapphire Reserve® earns more in 5 of the 6 categories we track. Truist Enjoy Beyond has the lower annual fee.
The basics
| Detail | Chase Sapphire Reserve® | Truist Enjoy Beyond |
|---|---|---|
| Annual fee | $795 | $95 |
| Card type | Personal | Personal |
| Rewards | Chase Ultimate Rewards | Truist Points |
| Each point is worth | 1.70¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | 100,000 Chase Ultimate Rewards after $6,000 in 3 months | 30,000 bonus points after $1,500 in 90 days |
What each earns
| Category | Chase Sapphire Reserve® | Truist Enjoy Beyond |
|---|---|---|
| Card Travel Portals | 13.6% (higher) 8x | 1.0% 1x |
| Airfare | 6.8% (higher) 4x | 3.0% 3x |
| Hotels & Lodging | 6.8% (higher) 4x | 3.0% 3x |
| Dining & Restaurants | 5.1% (higher) 3x | 2.0% 2x |
| Car Rentals | 1.7% 1x | 3.0% (higher) 3x |
| Everything else | 1.7% (higher) 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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