All credit cards
Side-by-side
Sapphire Reserve for Business vs United Gateway Card
Both are well-respected travel cards. The Sapphire Reserve for Business comes from Chase at $795/yr; the United Gateway Card from Chase at $0/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 ($2,205 more in estimated value) than the United Gateway Card's. Get the Sapphire Reserve for Business first; revisit the United Gateway Card after you've earned that bonus.
| Feature | Sapphire Reserve for Business | United Gateway Card |
|---|---|---|
| Annual fee | $795 | $0 |
| Sign-up bonus | 150,000 points | 30,000 miles |
| Bonus value (est.) | $2,595 | $390 |
| Min spend to unlock bonus | $20,000 in 3 mo | $1,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | travel |
| Best earning category (Chase_travel) | 8x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
|
Read the full review
Sapphire Reserve for Business
$795/yr · 150,000 points
Read the full review
United Gateway Card
$0/yr · 30,000 miles
Editorial take: United Gateway Card
The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.
Common questions
- Which card has the bigger sign-up bonus, Sapphire Reserve for Business or United Gateway Card?
- The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus 30,000 miles (~$390) on the United Gateway Card.
- Is the Sapphire Reserve for Business's $795 annual fee worth it compared to the United Gateway 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 Gateway Card at $0/yr trades some perks for a lower commitment.
- Can I have both the Sapphire Reserve for Business and United Gateway 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 Gateway 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 Gateway Card: $1,000 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.