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Chase Sapphire Reserve vs United Club 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 2.1% 1x base rate
  2. United Club Business Card 1.8% 1.5x base rate

Dining

  1. Sapphire Reserve 6.2% 3x
  2. United Club Business Card 1.8% 1.5x base rate

Travel · portal

  1. Sapphire Reserve · Chase Travel 16.4% 8x

Flights

  1. Sapphire Reserve 8.2% 4x
  2. United Club Business Card 1.8% 1.5x base rate

Hotels

  1. Sapphire Reserve 8.2% 4x
  2. United Club Business Card 1.8% 1.5x base rate

Peloton

  1. Sapphire Reserve 20.5% 10x
  2. United Club Business Card 1.8% 1.5x base rate

Lyft

  1. Sapphire Reserve 10.3% 5x
  2. United Club Business Card 1.8% 1.5x base rate

What the numbers are doing

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

The table is earn rate only — annual fees are not netted out of it. These cards charge Sapphire Reserve $795 and United Club Business Card $695 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve takes everything else, dining, flights and hotels, plus 2 more. United Club Business Card wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve2.1%
DiningSapphire Reserve6.2%
Travel · portalSapphire Reserve · Chase Travel16.4%
FlightsSapphire Reserve8.2%
HotelsSapphire Reserve8.2%
PelotonSapphire Reserve20.5%
LyftSapphire Reserve10.3%

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 — 2.1%
  2. United Club Business Card — 1.8%

Dining

  1. Sapphire Reserve — 6.2%
  2. United Club Business Card — 1.8%

Travel · portal

  1. Sapphire Reserve · Chase Travel — 16.4%

Flights

  1. Sapphire Reserve — 8.2%
  2. United Club Business Card — 1.8%

Hotels

  1. Sapphire Reserve — 8.2%
  2. United Club Business Card — 1.8%

Peloton

  1. Sapphire Reserve — 20.5%
  2. United Club Business Card — 1.8%

Lyft

  1. Sapphire Reserve — 10.3%
  2. United Club Business Card — 1.8%
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iPhone app · not yet released

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