Chase
Chase Sapphire Reserve
Credit cards
$550/yrAnnual fee
Explore this product Your shortlist, side by side
Chase Sapphire Reserve vs Blue Cash Everyday Card from American Express
Find the differences that matter for your next decision.
American Express
Blue Cash Everyday Card from American Express
Credit cards
$0/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Tied overall. Blue Cash Everyday Card from American Express charges less a year.
- The 4 rankable overall specs split 2 to 2.
- Saves $550 a year in fees.
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
The trade-off to know
Check first: the Blue Cash Everyday Card from American Express has foreign transaction fee. the Blue Cash Everyday Card from American Express has no airport lounge access.
Look at the differences ↓Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Chase Sapphire Reserve | Blue Cash Everyday Card from American Express |
|---|---|---|
| Annual feeFees & Rates | $550 | $0 |
| Regular APRFees & Rates | 21.49% – 28.49% Variable APR | 19.24% – 29.99% Variable APR |
| Foreign transaction feeFees & Rates | None (0%) | 2.7% of each transaction after conversion to US dollars |
| Rewards rateRewards & Perks | 10X hotels/cars & 5X flights via Chase Travel, 3X general travel & dining, 1X other | 3% cash back on US supermarkets (up to $6,000 per year, then 1%), 3% on US online retail purchases (up to $6,000 per year, then 1%), 3% on US gas stations (up to $6,000 per year, then 1%), 1% on other purchases |
| Sign-up bonusRewards & Perks | 60,000 Ultimate Rewards points after $4,000 spend in first 3 months | $200 statement credit after spending $2,000 in purchases in the first 6 months |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Chase Sapphire Reserve
Reasons to choose it
- $300 automatic annual travel statement credit offsets base annual fee
- Complimentary Priority Pass Select lounge access and Sapphire Lounge entry
- 50% bonus point value when redeeming points for travel through Chase Travel (1.5¢ each)
Worth considering
- $550 annual fee plus $75 per authorized user
- Requires Excellent credit (720+) to qualify
Blue Cash Everyday Card from American Express
Reasons to choose it
- 3% cash back on U.S. online retail purchases (up to $6k/year)
- 3% cash back at U.S. supermarkets and U.S. gas stations (up to $6k/year each)
- Up to $84 annual Disney Bundle statement credit ($7/month) with $0 annual fee
Worth considering
- 2.7% foreign transaction fee
- 3% bonus cash back categories are each capped at $6,000 annual spend (then 1%)
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
What three years could cost
Chase Sapphire Reserve
3-Year Estimated Total$1,650
Blue Cash Everyday Card from American Express
3-Year Estimated Total$0
Everyday ownership notes
Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.
Chase: What to watch for
- Hidden Cost
Priority Pass lounge crowding and long waitlists during peak hours.
American Express: What to watch for
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
Which card has the lower annual fee, Chase Sapphire Reserve or Blue Cash Everyday Card from American Express?
Blue Cash Everyday Card from American Express charges $550 a year less.
What is the biggest catch with the Chase Sapphire Reserve or Blue Cash Everyday Card from American Express?
Chase Sapphire Reserve has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Chase Sapphire Reserve or the Blue Cash Everyday Card from American Express?
For travel, buy the Chase Sapphire Reserve. Leads 2 of 3 rankable travel specs; Blue Cash Everyday Card from American Express takes 1. Foreign transaction fee: None vs 2.7% of each transaction after conversion to…
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 6 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.
A few other possibilities.
Blue Cash Preferred Card from American Express vs Blue Cash Everyday Card from American Express ↗American Express Gold Card vs Blue Cash Everyday Card from American Express ↗American Express Gold Card vs Chase Sapphire Reserve ↗The Platinum Card from American Express vs Blue Cash Everyday Card from American Express ↗