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All comparisons
Head-to-head, 2026

Chase Freedom Unlimited Chase Sapphire Reserve for Business

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Freedom Unlimited

Chase

Freedom Unlimited

Annual fee
$0
Network
visa
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 5×rideshare · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×drugstores · Chase Ultimate Rewards

Key benefits

  • 1.5% cash back on all other purchases · $267
  • 5% cash back on Chase Travel · $150
  • 3% cash back on Dining · $108
  • 5% cash back on Lyft · $60
  • Chase Offers · $50
Full Chase Freedom Unlimited review

Chase

Sapphire Reserve for Business

Annual fee
$795
Network
visa
Welcome value
—
Min spend
$30,000 / 6mo

Top earning rates

  • 10×travel booked through Chase Travel · Ultimate Rewards
  • 10×dining booked through Chase Travel · Ultimate Rewards
  • 5×flights booked through Chase Travel · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • $500 Credit for stays with The Edit · $500
  • $250 Credit for Select Chase Travel Hotels · $250
  • IHG One Rewards Platinum Elite status · $200
  • The Edit Property Benefits · $100
  • Global Entry / TSA PreCheck / NEXUS Credit · $100
Full Chase Sapphire Reserve for Business review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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