Chase Sapphire Reserve® vs United Club℠ Card

Chase Sapphire Reserve®Chase Sapphire Reserve®

Chase

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United Club℠ CardUnited Club℠ Card

Chase

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Annual Fee
$795
$695
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
United MileagePlus
Point Value
2.00¢/pt
1.35¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
100,000 Chase Ultimate Rewards after $6,000 in 3 months
90,000 United MileagePlus after $5,000 in 90 days

Effective return by category

CategoryChase Sapphire Reserve®United Club℠ Card
Airfare8.00%
4x
1.35%
1x
Hotels & Lodging8.00%
4x
1.35%
1x
Dining & Restaurants6.00%
3x
2.70%
2x
Travel2.00%
1x
2.70%
2x
Food Delivery2.00%
1x
2.70%
2x
Transit & Rideshare2.00%
1x
2.70%
2x
Car Rentals2.00%
1x
2.70%
2x
Everything else2.00%
1x
1.35%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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