Choosing between the American Express Green Card ($150/yr) and the Chase Sapphire Reserve ($550/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 3%. 3X on travel, transit, and dining worldwide.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply NowStrongest in travel at 5% via portal. 10x on hotels/car rentals, 5x on flights through Chase Travel, 3x on dining.
Perfect if: You maximize portal bookings and want premium perks to offset the fee.
Apply Now| Feature | American Express Green Card | Chase Sapphire Reserve |
|---|---|---|
| Annual Fee | $150 | $550 |
| Sign-Up Bonus | 40,000 points after $3,000 spend in 6 months | 75,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | 3% | <strong>5%</strong> |
| Dining Rewards | 3% | 3% |
| Key Benefits | 3X on travel, transit, and dining worldwide. | 10x on hotels/car rentals, 5x on flights through Chase Travel, 3x on dining. |
Chase Sapphire Reserve wins on travel.
The $400/year fee difference means Chase Sapphire Reserve needs to earn at least that much more in rewards to justify its cost.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.