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Side-by-side

Chase Freedom Unlimited vs Sapphire Reserve for Business

Both are well-respected travel cards. The Chase Freedom Unlimited comes from Chase at $0/yr; the Sapphire Reserve for Business from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,395 more in estimated value) than the Chase Freedom Unlimited's. Get the Sapphire Reserve for Business first; revisit the Chase Freedom Unlimited after you've earned that bonus.

FeatureChase Freedom UnlimitedSapphire Reserve for Business
Annual fee$0$795
Sign-up bonus$200 bonus150,000 points
Bonus value (est.)$200$2,595
Min spend to unlock bonus$500 in 3 mo$20,000 in 3 mo
IssuerChaseChase
Card categorycashbackbusiness
Best earning category (Travel)5x1x
Transfer partnerschase-urchase-ur
Headline benefits
  • 1.5% everywhere
  • 5% on travel via Chase
  • 3% dining + drugstores
  • Free if paired with Sapphire
    Read the full review
    Chase Freedom Unlimited
    $0/yr · $200 bonus
    Read the full review
    Sapphire Reserve for Business
    $795/yr · 150,000 points

    Editorial take: Chase Freedom Unlimited

    The best no-fee cash back card in the Chase family. Stack it with a Sapphire and your cash back converts into transferable Ultimate Rewards points, a free upgrade most people miss. Note: Cell phone protection is on Freedom Flex, not Freedom Unlimited.

    Editorial take: Sapphire Reserve for Business

    Common questions

    Which card has the bigger sign-up bonus, Chase Freedom Unlimited or Sapphire Reserve for Business?
    The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus $200 bonus (~$200) on the Chase Freedom Unlimited.
    Is the Chase Freedom Unlimited's $0 annual fee worth it compared to the Sapphire Reserve for Business?
    The Chase Freedom Unlimited has no annual fee, so the question is whether the Sapphire Reserve for Business's $795 fee is justified by its perks. If you'll use enough of the Sapphire Reserve for Business's benefits to clear $795 in value annually, it's worth it; otherwise stick with the Chase Freedom Unlimited.
    Can I have both the Chase Freedom Unlimited and Sapphire Reserve for Business?
    Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Chase Freedom Unlimited or the Sapphire Reserve for Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Freedom Unlimited: $500 spend in 3 months. Sapphire Reserve for Business: $20,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.