Chase Sapphire Reserve® vs United℠ Explorer Card

Chase Sapphire Reserve®Chase Sapphire Reserve®

Chase

Loading...
United℠ Explorer CardUnited℠ Explorer Card

Chase

Loading...
Annual Fee
$795
$150
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
85,000 United MileagePlus after $3,000 in 90 days

Effective return by category

CategoryChase Sapphire Reserve®United℠ Explorer Card
Airfare8.00%
4x
1.35%
1x
Hotels & Lodging8.00%
4x
2.70%
2x
Dining & Restaurants6.00%
3x
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?

Ask the Advisor