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.
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Side-by-side
Chase Sapphire Reserve vs United Club Business Card
Both are well-respected travel cards. The Chase Sapphire Reserve 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
For most people the Chase Sapphire Reserve is the stronger pick today — the sign-up bonus is meaningfully larger ($1,950 more in estimated value) than the United Club Business Card's. Get the Chase Sapphire Reserve first; revisit the United Club Business Card after you've earned that bonus.
| Feature | Chase Sapphire Reserve | United Club Business Card |
|---|---|---|
| Annual fee | $795 | $695 |
| Sign-up bonus | 150,000 points | 75,000 miles |
| Bonus value (est.) | $3,000 | $1,050 |
| 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 (Flights) | 10x | 1x |
| Transfer partners | chase-ur | mileageplus |
| Headline benefits |
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Read the full review
Chase Sapphire Reserve
$795/yr · 150,000 points
Read the full review
United Club Business Card
$695/yr · 75,000 miles
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, Chase Sapphire Reserve or United Club Business Card?
- The Chase Sapphire Reserve has the bigger bonus — 150,000 points, worth roughly $3,000, versus 75,000 miles (~$1,050) on the United Club Business Card.
- Is the Chase Sapphire Reserve's $795 annual fee worth it compared to the United Club 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 Club Business Card at $695/yr trades some perks for a lower commitment.
- Can I have both the Chase Sapphire Reserve 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 Chase Sapphire Reserve or the United Club 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 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.