Card Comparison
Chase Sapphire Reserve vs United Club Business
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$795/yr
$695/yr
Foreign Fees
None
None
Signup Bonus
150,000 points
Spend $6,000 in 3 months
8,000 points
Spend $5,000 in 3 months
Top Earn Rates
- Chase Travel 8x
- Lyft 5x
- Flights (Direct) 4x
- United Purchases 4x
- Dining 2x
- Hotel Stays 2x
Reward Type
miles
miles
Key Credits
- Annual Travel Credit $300
- The Edit Hotel Credit $250
- Global Entry/TSA PreCheck Credit $120
- IHG Rewards Credit $120
Card Perks
- Priority Pass Select
- Chase Sapphire Lounge by The Club
- DashPass
- +3 more
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
Transfer Partners
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
No transfer partners
Common Questions: Chase Sapphire Reserve vs United Club Business
Is the Chase Sapphire Reserve or United Club Business better for dining?
Chase Sapphire Reserve earns 3x on dining; United Club Business earns 2x on dining. Chase Sapphire Reserve wins for dining.
Which has the higher signup bonus in 2026?
Chase Sapphire Reserve currently offers 150,000 pts signup bonus (spend $6,000 in 3 months). United Club Business offers 8,000 pts signup bonus (spend $5,000 in 3 months). Chase Sapphire Reserve has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Chase Sapphire Reserve and the United Club Business?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Chase, so check their specific application rules.