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 Quest
Chase
Sapphire Reserve
- Annual fee
- $795
- Network
- visa
- Welcome value
- $2,000
- Min spend
- $6,000 / 3mo
Top earning rates
- 10×Eligible Peloton equipment and accessory purchases over $150
- 8×Chase Travel purchases
- 5×Lyft rides
- 4×Flights and hotels booked direct
Key benefits
- Common Carrier Travel Accident Insurance · $1000000
- 24-Hour Travel Accident Insurance · $100000
- Emergency Evacuation and Transportation · $100000
- Auto Rental Collision Damage Waiver · $75000
- Trip Cancellation and Interruption Insurance · $10000
Chase
United Quest
- Annual fee
- $250
- Network
- visa
- Welcome value
- —
- Min spend
- $4,000 / 3mo
Top earning rates
- 5×Hotel accommodation purchases made using your card with Renowned Hotels and Resorts for United® Cardmembers · MileagePlus
- 4×Airline tickets purchased from United, and on the following purchases made from United: seat upgrades; Economy Plus®; inflight food, beverages and Wi-Fi; baggage service charges or other United fees · MileagePlus
- 4×United Card Events from Chase · MileagePlus
- 2×Dining at restaurants including takeout and eligible delivery services · MileagePlus
Key benefits
- Free first and second checked bags · $440
- Two global Economy Plus upgrades (Spend Tier) · $200
- $200 annual United travel credit · $200
- JSX statement credit · $150
- Renowned Hotels and Resorts statement credit · $150
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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