Chase Sapphire Preferred or United Club Business Card?

Chase Sapphire Preferred returns $455 over its fee and United Club Business Card returns $169, so the fee difference comes down to which categories you use.

Chase Sapphire PreferredChase · $95 fee · 5 credits

United Club Business CardChase · $695 fee · 6 credits

NET VALUE+$455$550 credits

NET VALUE+$169$864 credits

CATEGORY	SAPPHIRE PREFERRED	UNITED CLUB BUSINESS CARD
🌎Travel	$100	$450
🍽️Food & Dining	$240	$240
🎭Entertainment & Media	$180	—
🚗Transportation	—	$144
Lounge Access	—	United Club Membership
Total credits	$550	$864
Annual fee	$95	$695
Net value	+$455	+$169

BEST NET VALUE

CHASEChase Sapphire Preferred

FEE$95

CREDITS$550

NET+$455

Category wins1 of 4

CHASEUnited Club Business Card

FEE$695

CREDITS$864

NET+$169

Category wins2 of 4

ADDITIONAL BENEFITS

LOUNGE ACCESS

United Club Membership

TAKE THE SAPPHIRE PREFERRED IF

You use entertainment & media. Entertainment & Media alone is worth $180 here and nothing on the United Club Business Card.

TAKE THE UNITED CLUB BUSINESS CARD IF

You use travel, transportation. Transportation alone is worth $144 here and nothing on the Sapphire Preferred.

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Frequently asked questions

Which is better, Chase Sapphire Preferred or United Club Business Card?

The Chase Sapphire Preferred is better with $455 net annual value compared to the United Club Business Card at $169. The Chase Sapphire Preferred wins by $286/year.

What's the difference between Chase Sapphire Preferred and United Club Business Card?

The key differences: United Club Business Card has a $695 annual fee and $864 in annual benefits, while Chase Sapphire Preferred has a $95 annual fee and $550 in annual benefits. The annual fee difference is $600.

Which has a lower annual fee, Chase Sapphire Preferred or United Club Business Card?

The Chase Sapphire Preferred has a lower annual fee at $95 compared to the United Club Business Card at $695. However, the United Club Business Card offers $864 in total annual benefits.

Is the Chase Sapphire Preferred worth it compared to the United Club Business Card?

Yes, the Chase Sapphire Preferred offers better value with $455 net annual value compared to $169 for the United Club Business Card. It also has a lower annual fee.

Which card is better for travel?

The United Club Business Card is better for travel with $450 in annual travel benefits compared to $100 for the Chase Sapphire Preferred.

Should I get the Chase Sapphire Preferred?

If you're deciding between the Chase Sapphire Preferred and United Club Business Card, the Chase Sapphire Preferred is the better choice with $455 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.