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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve for Business Chase United Club Business

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

Lower annual fee: Chase United Club Business

Chase

Sapphire Reserve for Business

Annual fee
$795
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 8×Chase Travel purchases · Ultimate Rewards
  • 5×Qualifying Lyft products and services · Ultimate Rewards
  • 4×Flights and hotels booked direct · Ultimate Rewards
  • 3×Social media and search engine advertising · Ultimate Rewards

Key benefits

  • The Edit on-property benefits · $550
  • $500 The Edit hotel credit · $500
  • $500 The Shops at Chase credit (Spend Tier) · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 annual travel credit · $300
Full Chase Sapphire Reserve for Business review

Chase

United Club Business

Annual fee
$0
Network
visa
Welcome value
$1,050
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 1.5×All other purchases · United MileagePlus

Key benefits

  • Free first and second checked bags · $300
  • 2 global Economy Plus seat upgrades (Spend Tier) · $200
  • JSX statement credit · $200
  • Renowned Hotels and Resorts credit · $200
  • Avis or Budget United travel credit · $100
Full Chase United Club 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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