Editorial take: Chase Sapphire Reserve
Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.
All credit cards
Side-by-side
Chase Sapphire Reserve vs United Business Card
Both are well-respected travel cards. The Chase Sapphire Reserve comes from Chase at $795/yr; the United Business Card from Chase at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Sapphire Reserve is the stronger pick today, the sign-up bonus is meaningfully larger ($1,000 more in estimated value) than the United Business Card's. Get the Chase Sapphire Reserve first; revisit the United Business Card after you've earned that bonus.
| Feature | Chase Sapphire Reserve | United Business Card |
|---|---|---|
| Annual fee | $795 | $150 |
| Sign-up bonus | 125,000 points | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $2,500 | $1,500 |
| Min spend to unlock bonus | $6,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | business |
| Best earning category (Chase_travel) | 8x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
|
|
Read the full review
Chase Sapphire Reserve
$795/yr · 125,000 points
Read the full review
United Business Card
$150/yr · 100,000 miles + 2,000 PQP
Editorial take: United Business Card
Strong United business card. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit help cover the $150 AF for any United-leaning small business. The 100k + 2,000 PQP bonus is the sweetener. Post-2025 refresh swapped the old $100/$10k-spend credit for a $125 travel credit unlocked by 5 United flight purchases of $100+.
Common questions
- Which card has the bigger sign-up bonus, Chase Sapphire Reserve or United Business Card?
- The Chase Sapphire Reserve has the bigger bonus, 125,000 points, worth roughly $2,500, versus 100,000 miles + 2,000 PQP (~$1,500) on the United Business Card.
- Is the Chase Sapphire Reserve's $795 annual fee worth it compared to the United Business Card?
- Premium cards like the Chase Sapphire Reserve ($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 Business Card at $150/yr trades some perks for a lower commitment.
- Can I have both the Chase Sapphire Reserve and United 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 Chase Sapphire Reserve or the United Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Reserve: $6,000 spend in 3 months. United 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.