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Chase Sapphire Reserve for Business 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 Reserve for Business 2.1% 1x base rate
  2. United Business Card 1.2% 1x base rate

Dining

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

Gas

  1. United Business Card 2.4% 2x
  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. United Business Card 1.2% 1x base rate

Flights

  1. Sapphire Reserve for Business 8.2% 4x
  2. United Business Card 1.2% 1x base rate

Hotels

  1. Sapphire Reserve for Business 8.2% 4x
  2. United Business Card 1.2% 1x base rate

Public transit

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

Rideshare & taxis

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

Tolls

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

Lyft

  1. Sapphire Reserve for Business 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 Reserve for Business $795 and United Business Card $150 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; United Business Card takes dining, gas, public transit and rideshare & taxis, plus 1 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve for Business2.1%
DiningUnited Business Card2.4%
GasUnited Business Card2.4%
Travel · portalSapphire Reserve for Business · Chase Travel16.4%
AdvertisingSapphire Reserve for Business6.2%
FlightsSapphire Reserve for Business8.2%
HotelsSapphire Reserve for Business8.2%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%
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. United Business Card — 1.2%

Dining

  1. United Business Card — 2.4%
  2. Sapphire Reserve for Business — 2.1%

Gas

  1. United Business Card — 2.4%
  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. United Business Card — 1.2%

Flights

  1. Sapphire Reserve for Business — 8.2%
  2. United Business Card — 1.2%

Hotels

  1. Sapphire Reserve for Business — 8.2%
  2. United Business Card — 1.2%

Public transit

  1. United Business Card — 2.4%
  2. Sapphire Reserve for Business — 2.1%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. Sapphire Reserve for Business — 2.1%

Tolls

  1. United Business Card — 2.4%
  2. Sapphire Reserve for Business — 2.1%

Lyft

  1. Sapphire Reserve for Business — 10.3%
  2. United Business Card — 2.4%
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