Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Amazon Visa. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Amazon Visa or Chase Sapphire Reserve?

The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Amazon Visa have that the Chase Sapphire Reserve doesn't?

The Amazon Visa focuses on earn rates, while the Chase Sapphire Reserve offers lounge access, travel credits.

Should I get the Amazon Visa or the Chase Sapphire Reserve?

Choose the Amazon Visa if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Amazon Visa. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Amazon Visa or Chase Sapphire Reserve?

The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Amazon Visa have that the Chase Sapphire Reserve doesn't?

The Amazon Visa focuses on earn rates, while the Chase Sapphire Reserve offers lounge access, travel credits.

Should I get the Amazon Visa or the Chase Sapphire Reserve?

Choose the Amazon Visa if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Amazon Visa. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Amazon Visa or Chase Sapphire Reserve?

The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Amazon Visa have that the Chase Sapphire Reserve doesn't?

The Amazon Visa focuses on earn rates, while the Chase Sapphire Reserve offers lounge access, travel credits.

Should I get the Amazon Visa or the Chase Sapphire Reserve?

Choose the Amazon Visa if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

Amazon Visa vs Chase Sapphire Reserve

The Amazon Visa ($0/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Amazon Visa

Chase

Chase Sapphire Reserve

Chase

Fees & Welcome Offer

Annual Fee

$795

Welcome Bonus

50 Retail

125,000 Flex point

Earn Rates

Category	Amazon Visa	Chase Sapphire Reserve
Flights	1X	4X
Hotels

Category-by-Category Winner

The Amazon Visa wins in 6 of 9 categories. The Chase Sapphire Reserve leads in 3.

Amazon

Amazon Visa earns 3X vs 1X

Whole Foods

Amazon Visa earns 3X vs 1X

All Travel Ultimate Rewards

Amazon Visa earns 3X vs 1X

Gas Stations

Amazon Visa earns 2X vs 1X

Transit

Amazon Visa earns 2X vs 1X

Dining

Chase Sapphire Reserve earns 3X vs 2X

Ridesharing

Amazon Visa earns 2X vs 1X

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Amazon Visa has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Amazon Visa if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Amazon Visa. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Amazon Visa or Chase Sapphire Reserve?: The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Amazon Visa have that the Chase Sapphire Reserve doesn't?: The Amazon Visa focuses on earn rates, while the Chase Sapphire Reserve offers lounge access, travel credits.
Should I get the Amazon Visa or the Chase Sapphire Reserve?: Choose the Amazon Visa if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Capital One Venture vs Chase Sapphire Reserve Capital One Venture X vs Chase Sapphire Reserve

Explore More

Amazon Visa — Full Review All Chase Cards

Chase Sapphire Reserve — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Amazon Visa vs Chase Sapphire Reserve

The Amazon Visa ($0/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Amazon Visa

Chase

Chase Sapphire Reserve

Chase

Fees & Welcome Offer

Annual Fee

$795

Welcome Bonus

50 Retail

125,000 Flex point

Earn Rates

Category	Amazon Visa	Chase Sapphire Reserve
Flights	1X	4X
Hotels

Category-by-Category Winner

The Amazon Visa wins in 6 of 9 categories. The Chase Sapphire Reserve leads in 3.

Amazon

Amazon Visa earns 3X vs 1X

Whole Foods

Amazon Visa earns 3X vs 1X

All Travel Ultimate Rewards

Amazon Visa earns 3X vs 1X

Gas Stations

Amazon Visa earns 2X vs 1X

Transit

Amazon Visa earns 2X vs 1X

Dining

Chase Sapphire Reserve earns 3X vs 2X

Ridesharing

Amazon Visa earns 2X vs 1X

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Amazon Visa has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Amazon Visa if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Amazon Visa. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Amazon Visa or Chase Sapphire Reserve?: The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Amazon Visa have that the Chase Sapphire Reserve doesn't?: The Amazon Visa focuses on earn rates, while the Chase Sapphire Reserve offers lounge access, travel credits.
Should I get the Amazon Visa or the Chase Sapphire Reserve?: Choose the Amazon Visa if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Capital One Venture vs Chase Sapphire Reserve Capital One Venture X vs Chase Sapphire Reserve

Explore More

Amazon Visa — Full Review All Chase Cards

Chase Sapphire Reserve — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Amazon Visa vs Chase Sapphire Reserve

The Amazon Visa ($0/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Amazon Visa

Chase

Chase Sapphire Reserve

Chase

Fees & Welcome Offer

Annual Fee

$795

Welcome Bonus

50 Retail

125,000 Flex point

Earn Rates

Category	Amazon Visa	Chase Sapphire Reserve
Flights	1X	4X
Hotels

Category-by-Category Winner

The Amazon Visa wins in 6 of 9 categories. The Chase Sapphire Reserve leads in 3.

Amazon

Amazon Visa earns 3X vs 1X

Whole Foods

Amazon Visa earns 3X vs 1X

All Travel Ultimate Rewards

Amazon Visa earns 3X vs 1X

Gas Stations

Amazon Visa earns 2X vs 1X

Transit

Amazon Visa earns 2X vs 1X

Dining

Chase Sapphire Reserve earns 3X vs 2X

Ridesharing

Amazon Visa earns 2X vs 1X

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Amazon Visa has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Amazon Visa if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Amazon Visa. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Amazon Visa or Chase Sapphire Reserve?: The Chase Sapphire Reserve has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Amazon Visa have that the Chase Sapphire Reserve doesn't?: The Amazon Visa focuses on earn rates, while the Chase Sapphire Reserve offers lounge access, travel credits.
Should I get the Amazon Visa or the Chase Sapphire Reserve?: Choose the Amazon Visa if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Capital One Venture vs Chase Sapphire Reserve Capital One Venture X vs Chase Sapphire Reserve

Explore More

Amazon Visa — Full Review All Chase Cards

Chase Sapphire Reserve — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Benefits & Features

Network

VISA

Key Benefits

None

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

Pros & Cons

Pros

+3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
+3% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit
+$50 Amazon Gift Card upon approval with no spend requirement
+No annual fee and no foreign transaction fees

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

Cons

−Lower Amazon/Whole Foods earn rate than Prime Visa
−Rewards locked to Amazon ecosystem
−Only 1% back on non-category purchases

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

The Chase Sapphire Reserve costs $795/yr — that's $795 more than the Amazon Visa (no annual fee). To justify that gap, you need to extract at least $795 in annual value from the card's higher earn rates and benefits.

The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

Bottom line: The $795 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly — otherwise the Amazon Visa delivers strong value at a fraction of the cost.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Amazon Visa means losing:

-Airport lounge access
-Annual travel credit
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Amazon Visa if you:

+Want strong rewards without a large annual fee commitment

Get the Chase Sapphire Reserve if you:

+Fly frequently and value airport lounge access
+Travel enough to fully use annual credits and premium perks

Benefits & Features

Network

VISA

Key Benefits

None

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

Pros & Cons

Pros

+3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
+3% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit
+$50 Amazon Gift Card upon approval with no spend requirement
+No annual fee and no foreign transaction fees

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

Cons

−Lower Amazon/Whole Foods earn rate than Prime Visa
−Rewards locked to Amazon ecosystem
−Only 1% back on non-category purchases

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Amazon Visa means losing:

-Airport lounge access
-Annual travel credit
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Amazon Visa if you:

+Want strong rewards without a large annual fee commitment

Get the Chase Sapphire Reserve if you:

+Fly frequently and value airport lounge access
+Travel enough to fully use annual credits and premium perks

Benefits & Features

Network

VISA

Key Benefits

None

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

Pros & Cons

Pros

+3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
+3% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit
+$50 Amazon Gift Card upon approval with no spend requirement
+No annual fee and no foreign transaction fees

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

Cons

−Lower Amazon/Whole Foods earn rate than Prime Visa
−Rewards locked to Amazon ecosystem
−Only 1% back on non-category purchases

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Amazon Visa means losing:

-Airport lounge access
-Annual travel credit
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Amazon Visa if you:

+Want strong rewards without a large annual fee commitment

Get the Chase Sapphire Reserve if you:

+Fly frequently and value airport lounge access
+Travel enough to fully use annual credits and premium perks