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Side-by-side
Sapphire Reserve for Business vs United Club Business Card
Both are business travel cards. The Sapphire Reserve for Business comes from Chase at $795/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Chase and target business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Sapphire Reserve for Business costs $100 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Sapphire Reserve for Business | United Club Business Card |
|---|---|---|
| Annual fee | $795 | $695 |
| Sign-up bonus | 150,000 points | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $2,595 | $1,500 |
| Min spend to unlock bonus | $20,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | business |
| Best earning category (Chase_travel) | 8x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
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Read the full review
Sapphire Reserve for Business
$795/yr · 150,000 points
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Editorial take: United Club Business Card
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
Common questions
- Which card has the bigger sign-up bonus, Sapphire Reserve for Business or United Club Business Card?
- The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus 100,000 miles + 2,000 PQP (~$1,500) on the United Club Business Card.
- Is the Sapphire Reserve for Business's $795 annual fee worth it compared to the United Club Business Card?
- Premium cards like the Sapphire Reserve for Business ($795/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $795+ of those credits, the math works. The United Club Business Card at $695/yr trades some perks for a lower commitment.
- Can I have both the Sapphire Reserve for Business and United Club Business Card?
- 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 Sapphire Reserve for Business or the United Club Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sapphire Reserve for Business: $20,000 spend in 3 months. United Club Business Card: $5,000 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.