Chase Sapphire Reserve vs Chase United Club Comparison
Chase Sapphire Reserve wins with $1,767 net annual value
| Category | Chase Sapphire ReserveChase Sapphire | Chase United ClubChase United |
|---|---|---|
| Annual Fee | $795 | $695 |
| 🌎Travel | $1,050 | $400 |
| 🌎Travel | $1,050 | $200 |
| ✈️Airlines | $200 | |
| 🍽️Food & Dining | $720 | $240 |
| 🍕Food Delivery | $420 | $240 |
| 🍽️Dining | $300 | |
| 🎭Entertainment & Media | $552 | |
| 🎭Live Entertainment | $300 | |
| 📺Streaming | $252 | |
| 🚗Transportation | $120 | $144 |
| 🚗Transportation | $120 | $144 |
| ✨Lifestyle | $120 | |
| 💪Fitness | $120 | |
| Total Annual Value | $2,562 | $784 |
| Net Value | +$1,767 | +$89 |
Card Details
Track Your Card Benefits
Add your cards to your wallet and track benefit usage in real-time. Never miss a credit and maximize your annual value.
Start Tracking FreeFrequently Asked Questions
The Chase Sapphire Reserve is better with $1,767 net annual value compared to the Chase United Club at $89. The Chase Sapphire Reserve wins by $1,678/year.
The key differences: Chase Sapphire Reserve has a $795 annual fee and $2,562 in annual benefits, while Chase United Club has a $695 annual fee and $784 in annual benefits. The annual fee difference is $100.
The Chase United Club has a lower annual fee at $695 compared to the Chase Sapphire Reserve at $795. However, the Chase Sapphire Reserve offers $2,562 in total annual benefits.
Yes, the Chase Sapphire Reserve offers better value with $1,767 net annual value compared to $89 for the Chase United Club. Even though it has a higher annual fee ($795 vs $695), the Chase Sapphire Reserve provides more total benefits.
The Chase Sapphire Reserve is better for travel with $1,050 in annual travel benefits compared to $400 for the Chase United Club.
If you're deciding between the Chase Sapphire Reserve and Chase United Club, the Chase Sapphire Reserve is the better choice with $1,767 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 Popular Comparisons
American Express Platinum
vs
Chase Sapphire Reserve
American Express Platinum
vs
Capital One Venture X
Capital One Venture X
vs
Chase Sapphire Reserve
American Express Business Platinum
vs
Chase Sapphire Reserve for Business
American Express Delta SkyMiles Reserve
vs
Chase United Quest
American Express Gold
vs
American Express Platinum