Skip to content
Credit Card Coups
COMPARE/SAPPHIRE RESERVE FOR BUSINESS VS UNITED BUSINESS CARD
FIRST CARD
SECOND CARD

Chase Sapphire Reserve for Business or United Business Card?

Chase Sapphire Reserve for Business returns $1,155 over its fee and United Business Card returns $291, so the fee difference comes down to which categories you use.

Chase Sapphire Reserve for Business
Chase Sapphire Reserve for BusinessChase · $795 fee · 8 credits
United Business Card
United Business CardChase · $150 fee · 5 credits
NET VALUE+$1,155$1,950 credits
NET VALUE+$291$441 credits
BEST NET VALUE
Chase Sapphire Reserve for Business
CHASEChase Sapphire Reserve for Business
FEE$795
CREDITS$1,950
NET+$1,155
Category wins5 of 5
ADDITIONAL BENEFITS
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
United Business Card
CHASEUnited Business Card
FEE$150
CREDITS$441
NET+$291
Category wins0 of 5
TAKE THE SAPPHIRE RESERVE FOR BUSINESS IF

You use travel, business, food & dining, or any of its 5 winning categories. Business and Lifestyle alone are worth $700 here and nothing on the United Business Card.

Where to use each card

SAPPHIRE RESERVE FOR BUSINESS
🛫
Airport Lounges48 LOCATIONS
Browse →
UNITED BUSINESS CARD

No partner maps yet

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
Start tracking free

Frequently asked questions

Which is better, Chase Sapphire Reserve for Business or United Business Card?

The Chase Sapphire Reserve for Business is better with $1,155 net annual value compared to the United Business Card at $291. The Chase Sapphire Reserve for Business wins by $864/year.

What's the difference between Chase Sapphire Reserve for Business and United Business Card?

The key differences: Chase Sapphire Reserve for Business has a $795 annual fee and $1,950 in annual benefits, while United Business Card has a $150 annual fee and $441 in annual benefits. The annual fee difference is $645.

Which has a lower annual fee, Chase Sapphire Reserve for Business or United Business Card?

The United Business Card has a lower annual fee at $150 compared to the Chase Sapphire Reserve for Business at $795. However, the Chase Sapphire Reserve for Business offers $1,950 in total annual benefits.

Is the Chase Sapphire Reserve for Business worth it compared to the United Business Card?

Yes, the Chase Sapphire Reserve for Business offers better value with $1,155 net annual value compared to $291 for the United Business Card. Even though it has a higher annual fee ($795 vs $150), the Chase Sapphire Reserve for Business provides more total benefits.

Which card is better for business?

The Chase Sapphire Reserve for Business is better for business with $600 in annual business benefits compared to $0 for the United Business Card.

Should I get the Chase Sapphire Reserve for Business?

If you're deciding between the Chase Sapphire Reserve for Business and United Business Card, the Chase Sapphire Reserve for Business is the better choice with $1,155 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.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE SAPPHIRE RESERVE FOR BUSINESS COMPARISONS

MORE UNITED BUSINESS CARD COMPARISONS