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Each card across six value dimensions (0–100). Bigger area = more all-round value.
| Perk | ChaseSapphire ReserveChase | American ExpressMarriott Bonvoy BrilliantAmerican Express |
|---|---|---|
| Annual fee | $795 Verified by source | $650 Inferred by source |
| Realized value* | $2,348 | $420 |
| Net / year | +$1,553 | −$230 |
| Value check | Worth knowing | Earns its keep |
| Rewards | points | points |
| Lounges | Priority Pass · 336enroll PP | Priority Pass · 336enroll PP |
| Points & Miles | 8× Chase Travel (flights, hotels, rentals) Verified by source 4× Flights booked direct Verified by source 4× Hotels booked direct Verified by source 3× Dining worldwide Verified by source 1× Everything else Verified by source | 6× Marriott Bonvoy hotels Inferred by source 3× US restaurants & flights booked directly Inferred by source 2× Everything else Inferred by source |
| Redemption Value | 1¢ per pt Verified by source | 0.8¢ per pt Estimated by source |
| Hotel Perks | The Edit (Luxury Hotel & Resort Collection) Verified by source IHG One Rewards Platinum Elite Verified by source World of Hyatt Explorist Verified by source IHG One Rewards Diamond Elite Verified by source | Marriott Bonvoy Platinum Elite status Inferred by source Annual Free Night Award Inferred by source 25 Elite Night Credits Inferred by source Property credit Estimated by source |
| Credits | 11 credits · $2,348/yr | 2 credits · $420/yr |
| Protections | rental cdw — Up to $75,000 (primary) Verified by source trip cancellation — Up to $10,000/person, $20,000/trip Verified by source trip delay — Up to $500/traveler Verified by source baggage — Baggage delay $100/day up to 5 days; lost luggage $3,000/traveler Verified by source emergency evacuation — Up to $100,000 Inferred by source roadside assistance — $50/incident, up to 4x/year (US & Canada) Inferred by source travel accident — Up to $1,000,000 accidental death and dismemberment while traveling Verified by source purchase protection — Up to $10,000/item against damage or theft for 120 days from purchase (90 days for NY residents) Verified by source extended warranty — Extends manufacturer's US warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total from purchase date); up to $10,000/item, $50,000 max per account Verified by source return protection — Up to $500/item within 90 days of purchase if store won't accept return; $1,000 max per 12-month period Verified by source | rental cdw — Secondary theft/damage coverage Inferred by source trip delay — Up to $500/trip (>6 hrs) Inferred by source baggage — Checked $2,000 / carry-on $3,000 per person Inferred by source |
| Foreign Tx Fees | None Verified by source | None Inferred by source |
| Cashback | — | — |
| Data last verified | Jun 17, 2026 | Jun 2, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Chase Sapphire Reserve comes out ahead: by realized value minus the annual fee, the Chase Sapphire Reserve nets +$1,553/yr and the Marriott Bonvoy Brilliant® American Express Card nets −$230/yr. Which is actually better depends on your spending and which perks you'll use.
The Marriott Bonvoy Brilliant® American Express Card has the lower annual fee ($650 vs $795).
Both include lounge access — the Chase Sapphire Reserve via Sapphire, Priority Pass, and the Marriott Bonvoy Brilliant® American Express Card via Priority Pass.