Chase Sapphire Reserve or Chase United Club?

Chase Sapphire Reserve returns $2,348 over its fee and Chase United Club returns $119, so the fee difference comes down to which categories you use.

Chase Sapphire ReserveChase · $795 fee · 13 credits

Chase United ClubChase · $695 fee · 5 credits

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

NET VALUE+$119$814 credits

CATEGORY	SAPPHIRE RESERVE	UNITED CLUB
🌎Travel	$1,050	$400
🍽️Food & Dining	$840	$240
🎭Entertainment & Media	$624	—
✨Lifestyle	$479	—
🚗Transportation	$120	$144
Lounge Access	Air Canada Lounge Access Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)	United Club Membership
Total credits	$3,143	$814
Annual fee	$795	$695
Net value	+$2,348	+$119

BEST NET VALUE

CHASEChase Sapphire Reserve

FEE$795

CREDITS$3,143

NET+$2,348

Category wins4 of 5

ADDITIONAL BENEFITS

LOUNGE ACCESS

Air Canada Lounge Access

Chase Sapphire Lounge Access

Priority Pass Select (No Restaurants)

CHASEChase United Club

FEE$695

CREDITS$814

NET+$119

Category wins1 of 5

ADDITIONAL BENEFITS

LOUNGE ACCESS

United Club Membership

TAKE THE SAPPHIRE RESERVE IF

You use travel, food & dining, entertainment & media, or any of its 4 winning categories. Entertainment & Media and Lifestyle alone are worth $1,103 here and nothing on the United Club.

TAKE THE UNITED CLUB IF

You use transportation.

Where to use each card

SAPPHIRE RESERVE

🍽️

Chase Exclusive Tables Restaurants413 LOCATIONS

Browse →

🛫

Airport Lounges48 LOCATIONS

Browse →

UNITED CLUB

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Frequently asked questions

Which is better, Chase Sapphire Reserve or Chase United Club?

The Chase Sapphire Reserve is better with $2,348 net annual value compared to the Chase United Club at $119. The Chase Sapphire Reserve wins by $2,229/year.

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

The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,143 in annual benefits, while Chase United Club has a $695 annual fee and $814 in annual benefits. The annual fee difference is $100.

Which has a lower annual fee, Chase Sapphire Reserve or Chase United Club?

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 $3,143 in total annual benefits.

Is the Chase Sapphire Reserve worth it compared to the Chase United Club?

Yes, the Chase Sapphire Reserve offers better value with $2,348 net annual value compared to $119 for the Chase United Club. Even though it has a higher annual fee ($795 vs $695), 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 $400 for the Chase United Club.

Should I get the Chase Sapphire Reserve?

If you're deciding between the Chase Sapphire Reserve and Chase United Club, 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.