Chase Sapphire Reserve or United Business Card?

Chase Sapphire Reserve returns $2,348 over its fee and United Business Card returns $291, so the fee difference comes down to which categories you use.

Chase Sapphire ReserveChase · $795 fee · 13 credits

United Business CardChase · $150 fee · 5 credits

NET VALUE+$2,348$3,143 credits

NET VALUE+$291$441 credits

CATEGORY	SAPPHIRE RESERVE	UNITED BUSINESS CARD
🌎Travel	$1,050	$225
🍽️Food & Dining	$840	$120
🎭Entertainment & Media	$624	—
✨Lifestyle	$479	—
🚗Transportation	$120	$96
Lounge Access	Air Canada Lounge Access Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)	—
Total credits	$3,143	$441
Annual fee	$795	$150
Net value	+$2,348	+$291

BEST NET VALUE

CHASEChase Sapphire Reserve

FEE$795

CREDITS$3,143

NET+$2,348

Category wins5 of 5

ADDITIONAL BENEFITS

LOUNGE ACCESS

Air Canada Lounge Access

Chase Sapphire Lounge Access

Priority Pass Select (No Restaurants)

CHASEUnited Business Card

FEE$150

CREDITS$441

NET+$291

Category wins0 of 5

TAKE THE SAPPHIRE RESERVE IF

You use travel, food & dining, entertainment & media, or any of its 5 winning categories. Entertainment & Media and Lifestyle alone are worth $1,103 here and nothing on the United Business Card.

Where to use each card

SAPPHIRE RESERVE

🍽️

Chase Exclusive Tables Restaurants413 LOCATIONS

Browse →

🛫

Airport Lounges48 LOCATIONS

Browse →

UNITED BUSINESS CARD

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Frequently asked questions

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

The Chase Sapphire Reserve is better with $2,348 net annual value compared to the United Business Card at $291. The Chase Sapphire Reserve wins by $2,057/year.

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

The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,143 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 or United Business Card?

The United Business Card has a lower annual fee at $150 compared to the Chase Sapphire Reserve at $795. However, the Chase Sapphire Reserve offers $3,143 in total annual benefits.

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

Yes, the Chase Sapphire Reserve offers better value with $2,348 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 provides more total benefits.

Which card is better for travel?

The Chase Sapphire Reserve is better for travel with $1,050 in annual travel benefits compared to $225 for the United Business Card.

Should I get the Chase Sapphire Reserve?

If you're deciding between the Chase Sapphire Reserve and United Business Card, the Chase Sapphire Reserve is the better choice with $2,348 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.