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Chase Sapphire Preferred vs United Business Card

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 Preferred 2.1% 1x base rate
  2. United Business Card 1.2% 1x base rate

Dining

  1. Sapphire Preferred 6.2% 3x
  2. United Business Card 2.4% 2x

Gas

  1. Sapphire Preferred 6.2% 3x
  2. United Business Card 2.4% 2x

Travel

  1. Sapphire Preferred 4.1% 2x
  2. United Business Card 1.2% 1x base rate

Travel · portal

  1. Sapphire Preferred · Chase Travel 10.3% 5x

Streaming

  1. Sapphire Preferred 6.2% 3x
  2. United Business Card 1.2% 1x base rate

Online grocery

  1. Sapphire Preferred 6.2% 3x
  2. United Business Card 1.2% 1x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. Sapphire Preferred 2.1% 1x base rate

Rideshare & taxis

  1. Sapphire Preferred 4.1% 2x
  2. United Business Card 2.4% 2x

Tolls

  1. United Business Card 2.4% 2x
  2. Sapphire Preferred 2.1% 1x base rate

Peloton

  1. Sapphire Preferred 10.3% 5x
  2. United Business Card 1.2% 1x base rate

Lyft

  1. Sapphire Preferred 10.3% 5x
  2. United Business Card 2.4% 2x

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Sapphire Preferred $95 and United Business Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Preferred takes everything else, dining, gas and travel, plus 5 more; United Business Card takes public transit and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Preferred2.1%
DiningSapphire Preferred6.2%
GasSapphire Preferred6.2%
TravelSapphire Preferred4.1%
Travel · portalSapphire Preferred · Chase Travel10.3%
StreamingSapphire Preferred6.2%
Online grocerySapphire Preferred6.2%
Public transitUnited Business Card2.4%
Rideshare & taxisSapphire Preferred4.1%
TollsUnited Business Card2.4%
PelotonSapphire Preferred10.3%
LyftSapphire Preferred10.3%

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 Preferred — 2.1%
  2. United Business Card — 1.2%

Dining

  1. Sapphire Preferred — 6.2%
  2. United Business Card — 2.4%

Gas

  1. Sapphire Preferred — 6.2%
  2. United Business Card — 2.4%

Travel

  1. Sapphire Preferred — 4.1%
  2. United Business Card — 1.2%

Travel · portal

  1. Sapphire Preferred · Chase Travel — 10.3%

Streaming

  1. Sapphire Preferred — 6.2%
  2. United Business Card — 1.2%

Online grocery

  1. Sapphire Preferred — 6.2%
  2. United Business Card — 1.2%

Public transit

  1. United Business Card — 2.4%
  2. Sapphire Preferred — 2.1%

Rideshare & taxis

  1. Sapphire Preferred — 4.1%
  2. United Business Card — 2.4%

Tolls

  1. United Business Card — 2.4%
  2. Sapphire Preferred — 2.1%

Peloton

  1. Sapphire Preferred — 10.3%
  2. United Business Card — 1.2%

Lyft

  1. Sapphire Preferred — 10.3%
  2. United Business Card — 2.4%
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