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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
~$4,100
Min spend
$30,000 / 6mo

Top earning rates

  • 8×Chase Travel purchases · Ultimate Rewards
  • 5×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
  • $400 Credit with ZipRecruiter · $400
Full Chase Sapphire Reserve for Business review

Chase

United Club Business

Annual fee
$695
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 8×Eligible United flights
  • 5×Hotel stays when you prepay directly through Renowned Hotels and Resorts
  • 2×All other eligible United purchases
  • 2×Purchases of United Card Events from Chase

Key benefits

  • Emergency Evacuation and Transportation · $1000
  • Free first and second checked bags · $300
  • JSX statement credit · $200
  • Renowned Hotels and Resorts credit · $200
  • Renowned Hotels and Resorts property benefits · $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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