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Chase Amazon Visa vs Sapphire Reserve

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Sapphire Reserve 1.5% 1x base rate
  2. Amazon Visa 1.0% 1% base rate

Dining

  1. Sapphire Reserve 4.5% 3x
  2. Amazon Visa 2.0% 2%

Gas

  1. Amazon Visa 2.0% 2%
  2. Sapphire Reserve 1.5% 1x base rate

Travel

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Amazon Visa · Chase Travel 3.0% 3%
  3. Sapphire Reserve 1.5% 1x base rate
  4. Amazon Visa 1.0% 1% base rate

Amazon

  1. Amazon Visa 3.0% 3%
  2. Sapphire Reserve 1.5% 1x base rate

Whole Foods Market

  1. Amazon Visa 3.0% 3%
  2. Sapphire Reserve 1.5% 1x base rate

Flights

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Sapphire Reserve 6.0% 4x
  3. Amazon Visa · Chase Travel 3.0% 3%
  4. Amazon Visa 1.0% 1% base rate

Hotels

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Sapphire Reserve 6.0% 4x
  3. Amazon Visa · Chase Travel 3.0% 3%
  4. Amazon Visa 1.0% 1% base rate

Public transit

  1. Amazon Visa 2.0% 2%
  2. Sapphire Reserve 1.5% 1x base rate

Rideshare & taxis

  1. Amazon Visa 2.0% 2%
  2. Sapphire Reserve 1.5% 1x base rate

What the numbers are doing

Sapphire Reserve tops everything else at 1.5% only because this table values its points at 1.5 cents each. Value them at one cent and Amazon Visa wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Amazon Visa $0 and Sapphire Reserve $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve takes everything else, dining, travel and flights, plus 1 more; Amazon Visa takes gas, amazon, whole foods market and public transit, plus 1 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve1.5%
DiningSapphire Reserve4.5%
GasAmazon Visa2.0%
TravelSapphire Reserve · Chase Travel12.0%
AmazonAmazon Visa3.0%
Whole Foods MarketAmazon Visa3.0%
FlightsSapphire Reserve · Chase Travel12.0%
HotelsSapphire Reserve · Chase Travel12.0%
Public transitAmazon Visa2.0%
Rideshare & taxisAmazon Visa2.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Sapphire Reserve — 1.5%
  2. Amazon Visa — 1.0%

Dining

  1. Sapphire Reserve — 4.5%
  2. Amazon Visa — 2.0%

Gas

  1. Amazon Visa — 2.0%
  2. Sapphire Reserve — 1.5%

Travel

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Amazon Visa · Chase Travel — 3.0%
  3. Sapphire Reserve — 1.5%
  4. Amazon Visa — 1.0%

Amazon

  1. Amazon Visa — 3.0%
  2. Sapphire Reserve — 1.5%

Whole Foods Market

  1. Amazon Visa — 3.0%
  2. Sapphire Reserve — 1.5%

Flights

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Sapphire Reserve — 6.0%
  3. Amazon Visa · Chase Travel — 3.0%
  4. Amazon Visa — 1.0%

Hotels

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Sapphire Reserve — 6.0%
  3. Amazon Visa · Chase Travel — 3.0%
  4. Amazon Visa — 1.0%

Public transit

  1. Amazon Visa — 2.0%
  2. Sapphire Reserve — 1.5%

Rideshare & taxis

  1. Amazon Visa — 2.0%
  2. Sapphire Reserve — 1.5%

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