Chase Sapphire Reserve or Chase United Quest?

Chase Sapphire Reserve returns $2,348 over its fee and Chase United Quest returns $456, so the fee difference comes down to which categories you use.

Chase Sapphire ReserveChase · $795 fee · 13 credits

Chase United QuestChase · $350 fee · 6 credits

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

NET VALUE+$456$806 credits

CATEGORY	SAPPHIRE RESERVE	UNITED QUEST
🌎Travel	$1,050	$500
🍽️Food & Dining	$840	$180
🎭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	$806
Annual fee	$795	$350
Net value	+$2,348	+$456

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)

CHASEChase United Quest

FEE$350

CREDITS$806

NET+$456

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 Quest.

Where to use each card

SAPPHIRE RESERVE

🍽️

Chase Exclusive Tables Restaurants413 LOCATIONS

Browse →

🛫

Airport Lounges48 LOCATIONS

Browse →

UNITED QUEST

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Frequently asked questions

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

The Chase Sapphire Reserve is better with $2,348 net annual value compared to the Chase United Quest at $456. The Chase Sapphire Reserve wins by $1,892/year.

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

The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,143 in annual benefits, while Chase United Quest has a $350 annual fee and $806 in annual benefits. The annual fee difference is $445.

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

The Chase United Quest has a lower annual fee at $350 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 Quest?

Yes, the Chase Sapphire Reserve offers better value with $2,348 net annual value compared to $456 for the Chase United Quest. Even though it has a higher annual fee ($795 vs $350), the Chase Sapphire Reserve provides more total benefits.

Which card is better for food_and_dining?

The Chase Sapphire Reserve is better for food_and_dining with $840 in annual food_and_dining benefits compared to $180 for the Chase United Quest.

Should I get the Chase Sapphire Reserve?

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