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

Dining

  1. Sapphire Reserve 6.2% 3x
  2. United Quest Card 2.4% 2x

Travel

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

Travel · portal

  1. Sapphire Reserve · Chase Travel 16.4% 8x

Streaming

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

Flights

  1. Sapphire Reserve 8.2% 4x
  2. United Quest Card 4.8% 4x

Hotels

  1. Sapphire Reserve 8.2% 4x
  2. United Quest Card 2.4% 2x

Peloton

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

Lyft

  1. Sapphire Reserve 10.3% 5x
  2. United Quest Card 1.2% 1x base rate

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 Quest Card $350 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 Quest Card takes travel and streaming.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve2.1%
DiningSapphire Reserve6.2%
TravelUnited Quest Card2.4%
Travel · portalSapphire Reserve · Chase Travel16.4%
StreamingUnited Quest Card2.4%
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 Quest Card — 1.2%

Dining

  1. Sapphire Reserve — 6.2%
  2. United Quest Card — 2.4%

Travel

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

Travel · portal

  1. Sapphire Reserve · Chase Travel — 16.4%

Streaming

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

Flights

  1. Sapphire Reserve — 8.2%
  2. United Quest Card — 4.8%

Hotels

  1. Sapphire Reserve — 8.2%
  2. United Quest Card — 2.4%

Peloton

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

Lyft

  1. Sapphire Reserve — 10.3%
  2. United Quest Card — 1.2%
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