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Chase Disney Inspire Visa Card vs Sapphire Reserve for Business

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Sapphire Reserve for Business 2.1% 1x base rate
  2. Disney Inspire Visa Card 1.0% 1x base rate

Gas

  1. Disney Inspire Visa Card 3.0% 3x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel 16.4% 8x

Advertising

  1. Sapphire Reserve for Business 6.2% 3x
  2. Disney Inspire Visa Card 1.0% 1x base rate

Flights

  1. Sapphire Reserve for Business 8.2% 4x
  2. Disney Inspire Visa Card 1.0% 1x base rate

Hotels

  1. Sapphire Reserve for Business 8.2% 4x
  2. Disney Inspire Visa Card 1.0% 1x base rate

Lyft

  1. Sapphire Reserve for Business 10.3% 5x
  2. Disney Inspire Visa Card 1.0% 1x base rate

What the numbers are doing

Sapphire Reserve for Business tops everything else at 2.1% only because this table values its points at 2.05 cents each. Value them at one cent and Disney Inspire Visa Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Disney Inspire Visa Card $149 and Sapphire Reserve for Business $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve for Business takes everything else, advertising, flights and hotels, plus 1 more; Disney Inspire Visa Card takes gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve for Business2.1%
GasDisney Inspire Visa Card3.0%
Travel · portalSapphire Reserve for Business · Chase Travel16.4%
AdvertisingSapphire Reserve for Business6.2%
FlightsSapphire Reserve for Business8.2%
HotelsSapphire Reserve for Business8.2%
LyftSapphire Reserve for Business10.3%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Sapphire Reserve for Business — 2.1%
  2. Disney Inspire Visa Card — 1.0%

Gas

  1. Disney Inspire Visa Card — 3.0%
  2. Sapphire Reserve for Business — 2.1%

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel — 16.4%

Advertising

  1. Sapphire Reserve for Business — 6.2%
  2. Disney Inspire Visa Card — 1.0%

Flights

  1. Sapphire Reserve for Business — 8.2%
  2. Disney Inspire Visa Card — 1.0%

Hotels

  1. Sapphire Reserve for Business — 8.2%
  2. Disney Inspire Visa Card — 1.0%

Lyft

  1. Sapphire Reserve for Business — 10.3%
  2. Disney Inspire Visa Card — 1.0%
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