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Chase Sapphire Reserve vs United Gateway 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 Gateway Card 1.2% 1x base rate

Dining

  1. Sapphire Reserve 6.2% 3x
  2. United Gateway Card 1.2% 1x base rate

Gas

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

Travel · portal

  1. Sapphire Reserve · Chase Travel 16.4% 8x

Flights

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

Hotels

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

Public transit

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

Rideshare & taxis

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

Tolls

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

Peloton

  1. Sapphire Reserve 20.5% 10x
  2. United Gateway Card 1.2% 1x base rate

Lyft

  1. Sapphire Reserve 10.3% 5x
  2. United Gateway 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 $795 and United Gateway Card $0 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 Gateway Card takes gas, public transit, rideshare & taxis and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve2.1%
DiningSapphire Reserve6.2%
GasUnited Gateway Card2.4%
Travel · portalSapphire Reserve · Chase Travel16.4%
FlightsSapphire Reserve8.2%
HotelsSapphire Reserve8.2%
Public transitUnited Gateway Card2.4%
Rideshare & taxisUnited Gateway Card2.4%
TollsUnited Gateway Card2.4%
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 Gateway Card — 1.2%

Dining

  1. Sapphire Reserve — 6.2%
  2. United Gateway Card — 1.2%

Gas

  1. United Gateway Card — 2.4%
  2. Sapphire Reserve — 2.1%

Travel · portal

  1. Sapphire Reserve · Chase Travel — 16.4%

Flights

  1. Sapphire Reserve — 8.2%
  2. United Gateway Card — 1.2%

Hotels

  1. Sapphire Reserve — 8.2%
  2. United Gateway Card — 1.2%

Public transit

  1. United Gateway Card — 2.4%
  2. Sapphire Reserve — 2.1%

Rideshare & taxis

  1. United Gateway Card — 2.4%
  2. Sapphire Reserve — 2.1%

Tolls

  1. United Gateway Card — 2.4%
  2. Sapphire Reserve — 2.1%

Peloton

  1. Sapphire Reserve — 20.5%
  2. United Gateway Card — 1.2%

Lyft

  1. Sapphire Reserve — 10.3%
  2. United Gateway Card — 2.4%
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