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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve Chase United Quest

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

Lower annual fee: Chase United QuestBigger welcome offer: Chase Sapphire Reserve

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Peloton equipment and accessory purchases
  • 8×Chase Travel purchases
  • 5×Qualifying Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • $500 credit for stays with The Edit · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 in StubHub credits · $300
  • Reserve Travel Designers · $300
  • Annual Travel Credit · $300
Full Chase Sapphire Reserve review

Chase

United Quest

Annual fee
$250
Network
visa
Welcome value
$840
Min spend
$4,000 / 3mo

Top earning rates

  • 3×United purchases · United MileagePlus
  • 2×Travel · United MileagePlus
  • 2×Dining · United MileagePlus
  • 2×Streaming services · United MileagePlus

Key benefits

  • Free first and second checked bags · $440
  • $200 annual United travel credit · $200
  • Two global Economy Plus upgrades (Spend Tier) · $200
  • JSX statement credit · $150
  • Renowned Hotels and Resorts statement credit · $150
Full Chase United Quest 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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