Core Insights - The Amex Business Platinum Card and Chase Sapphire Reserve Business Card are highlighted as top premium business rewards cards, each offering unique benefits tailored for business travelers [1][35]. Comparison of Cards - The Amex Business Platinum Card has an annual fee of $895, while the Chase Sapphire Reserve Business Card has a lower fee of $795 [1][13]. - The welcome offer for the Amex card is up to 200,000 Membership Rewards points after spending $20,000 in the first 3 months, whereas the Chase card offers 200,000 bonus points after spending $30,000 in the first 6 months [3][13]. Earning Points - The Amex Business Platinum Card allows users to earn 5x points on flights and prepaid hotels booked through AmexTravel.com, and 2x points on specific business purchases [5][8]. - The Chase Sapphire Reserve Business Card offers 8x points on Chase Travel purchases, 4x points on flights and hotels booked directly, and 3x points on advertising purchases [15][19]. Travel Benefits - The Amex Business Platinum Card provides access to over 1,550 airport lounges globally, significantly more than the Chase Sapphire Reserve's access to over 1,300 lounges [6][18]. - Both cards offer premium travel benefits, but the Amex card is noted for its extensive lounge access and travel perks [25][35]. Business-Focused Benefits - The Amex Business Platinum Card includes various statement credits for services like Dell, Indeed, and Adobe, totaling over $3,500 in annual value [10][34]. - The Chase Sapphire Reserve Business Card offers $400 in ZipRecruiter credits and $200 in Google Workspace credits, but is considered less comprehensive than the Amex card [34][35]. Redemption Options - The Amex Business Platinum Card features a "Pay With Points" option that allows for a 35% rebate on points redeemed through AmexTravel.com, providing consistent value [30][32]. - The Chase Sapphire Reserve Business Card includes a "Points Boost" feature, but redemption values can vary significantly [31][32].

Core Points - The Chase Ultimate Rewards program is recognized as a leading travel rewards program due to its excellent transfer partners, simplified award redemptions, and straightforward point earning mechanisms [1][2] - The Chase Sapphire Reserve and Sapphire Reserve for Business cards are highlighted as top travel rewards credit cards, each offering unique benefits and overlapping features [2][3] Card Comparison - The Chase Sapphire Reserve card offers a welcome bonus of 125,000 points after spending $6,000 in the first 3 months, while the Sapphire Reserve for Business card offers 200,000 points after spending $30,000 in the first 6 months [3][17] - Both cards have an annual fee of $795 and provide significant earning potential, with the Sapphire Reserve card earning 3x points on dining and the Business card earning 3x points on advertising purchases [4][42][26] - The earning structure includes 8x points on Chase Travel purchases and 5x points on Lyft rides for the Sapphire Reserve card, while the Business card offers 3x points on social media and search engine advertising [20][24] Redemption Options - Both cards allow for various redemption methods, including gift cards, statement credits, and travel bookings through Chase Travel, with the best value obtained by transferring points to airline and hotel partners [28][29] - The Points Boost feature enables cardholders to redeem points at a higher rate for select airline tickets and hotel accommodations booked through Chase Travel [3][28] Travel Benefits - Both cards provide extensive travel benefits, including airport lounge access through Priority Pass Select and complimentary access to Chase Sapphire Lounges [39][37] - Travel protections include trip cancellation and interruption insurance, auto rental coverage, and lost luggage reimbursement, enhancing the overall value of the cards [48][39] Additional Credits and Benefits - The Chase Sapphire Reserve card offers unique lifestyle credits, such as $300 annual travel credit and various subscription services, while the Business card includes credits for services like Google Workspace and ZipRecruiter [9][36][18] - Both cards feature no foreign transaction fees, making them suitable for international travel [45][42] Conclusion - The Chase Sapphire Reserve and Sapphire Reserve for Business cards are positioned as premium offerings in the travel rewards market, catering to different consumer needs while providing substantial value through rewards, benefits, and protections [46][47]