American Express vs Chase: Credit Card Bonus Comparison
Updated September 2026 — See which credit card bonus is better for you.
American Express Business Platinum Bonus
300,000 points bonus
- Qualifying Period
- 3 months from account opening
- Requirements
- Spend $20,000 on eligible purchases within first 3 months of card membership; $20,000 minimum spend in first 3 months; Spend $20,000 in eligible purchases within first 3 months; Spend $20,000 or more on eligible purchases within first 3 months; $20,000 in purchases within first 3 months; Minimum $20,000 in eligible purchases in first 3 months of Card Membership; $20,000 in eligible purchases within first 3 months of card membership; Must own or operate a business; $20,000 spend in first 3 months of card membership; Min $20,000 in eligible purchases within first 3 months of Card Membership; Spend $20,000 in eligible purchases within first 3 months of Card Membership; $20,000 in eligible purchases within the first 3 months of card membership; Spend $20,000 in eligible purchases within 3 months of card opening; Spend $20,000 on eligible purchases in first 3 months; Minimum $20,000 in eligible purchases within the first 3 months of card membership; $20,000 minimum spend in eligible purchases within first 3 months; $20,000 in eligible purchases within first 3 months; Spend $20,000 in eligible purchases within the first 3 months of card membership; Minimum $20,000 spend in eligible purchases within first 3 months of card membership; Spend $20,000 or more in eligible purchases within first 3 months of card membership; Spend $20,000 on eligible purchases within first 3 months; $20,000 minimum spending within first 3 months of Card Membership; Spend $20,000 in eligible purchases in first 3 months; New account approval required; Eligible purchases exclude fees, interest, traveler's checks, prepaid cards, gift cards, person-to-person payments, and cash equivalents
Chase Sapphire Reserve for Business Bonus
200,000 points bonus
- Qualifying Period
- 6 months
- Requirements
- $30,000 spend in first 6 months; $30,000 in purchases within first 6 months from account opening; $30,000 in purchases within first 6 months of account opening; $30,000 in purchases in first 6 months; $30,000 in purchases within first 6 months; $30,000 in purchases within 6 months from account opening; $20,000 in purchases within first 3 months from account opening; Spend $20,000 on purchases in first 3 months from account opening; $20,000 in purchases within first 3 months of account opening; $20,000 in purchases in first 3 months from account opening; Minimum $20,000 in purchases within first 3 months; Account must be open and not in default at time of fulfillment; $20,000 in purchases within 3 months of account opening; Access more than $6,000 in total business and travel value in first year; Minimum $20,000 spend in first 3 months; Spend $20,000 on purchases within the first 3 months from account opening
Bottom Line
American Express offers a higher bonus (300,000 points vs 200,000 points). However, be sure to compare hold periods and requirements before deciding.