Snapshot#
| United Club℠ Business Card | Chase Sapphire Reserve® |
|---|
| Issuer | Chase | Chase |
| Network | Visa (Visa Infinite) | Visa (Visa Infinite) |
| Card Material | Metal | Metal |
| Annual Fee | $450.00 | $795.00 Effective: $495.00 • $300 Annual Travel Credit |
| Base Rate | 1.00% | 1.00% |
| Travel Rewards | 2.00x | 3.00x |
| Authorized User Fee | $175.00 | $75.00 |
| Foreign Transaction Fee | None | None |
| Credit Reporting | Ex, Eq, Tu | Ex, Eq, Tu |
| Product Lifecycle | Available (7y ago) | Available (9y ago) |
| Minimum Credit Line | N/A | $10000 |
Welcome Offer#
| Bonus | 75,000 United Miles | 150,000 Chase Points |
| Spend Requirement | $5,000 | $6,000 |
| Timeline | 90 days | 90 days |
| Efficiency Score | 15.00 pts/$1 | 25.00 pts/$1 |
| Cash Back Value | — | $1,500 |
| Portal Travel Value | — | $2,250 |
| Transfer Estimated Value | $975 | $3,000 |
Rewards Breakdown#
Benefits & Partners#
| Transfer Partners | None | 14 Partners |
| Annual Credits | None | $300 Annual Travel Credit |
| Partnership Benefits | 2 Programs | 3 Programs |
| Lyft | — | 5.0x Chase Points |
| DashPass Perk | — | Complimentary Membership ($9.99/mo) |
| Premier Access Perk | Priority check-in, security, boarding, and baggage | — |
| Priority Pass Select Perk | — | Unlimited lounge visits for cardholder + 2 guests |
| United Club Membership Perk | Unlimited lounge visits for cardholder + 1 guest | — |
Transfer Partners#
| Aer Lingus AerClub | — | 0.0¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| Air Canada Aeroplan | — | 1.5¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| British Airways Executive Club | — | 0.0¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| Emirates Skywards | — | 0.0¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| Air France-KLM Flying Blue | — | 0.0¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| World of Hyatt | — | 2.3¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| Iberia Plus | — | 0.0¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| IHG One Rewards | — | 0.6¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| JetBlue TrueBlue | — | 1.3¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| Marriott Bonvoy | — | 0.8¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| Singapore Airlines KrisFlyer | — | 0.0¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| Southwest Rapid Rewards | — | 1.4¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| United MileagePlus | — | 1.3¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
| Virgin Atlantic Flying Club | — | 0.0¢
?
Standardized point-to-point transfer rate before valuation boost.
(1:1 Ratio) |
Pricing Details#
| Purchase APR | 19.74% - 28.24% | 19.49% - 27.99% |
| Cash Advance Fee | 5% | 5% |
| Balance Transfer Fee | None | 5% |
| Late Payment Fee | Up to $40 | Up to $40 |
| Minimum Interest Charge | $0.00 | $0.00 |
| Grace Period | 21 days | 21 days |
| Penalty APR | 29.99% | 29.99% |
Insurance & Protections#
| Auto Rental Coverage | Primary ($75,000) | Primary ($75,000) |
| Trip Cancellation | Up to $20,000 | Up to $20,000 |
| Trip Delay | Up to $500 | Up to $500 |
| Purchase Protection | Up to $10,000 / Item | Up to $500 / Item |
| Extended Warranty | +1
Year | +1
Year |
| Return Protection | None | None |
| Cell Phone Protection | None | None |
| TSA PreCheck | Included | Included |
Usability & Experience#
| Digital Wallets | apple-pay, google-pay, samsung-pay | apple-pay, google-pay, samsung-pay |
| Customer Service | 24/7 Business Specialist | 24/7 Direct Specialist |
| Instant Use | Available | Available |
Strategy & Eligibility#
| Min. Credit Score | 720+ | 720+ |
| Recommended Range | Excellent | Excellent |
| Chase 5/24 Rule | Strict (Chase) | Strict (Chase) |
| Lifetime Restriction | None | None |
| Active Family Restriction | No | Yes (Sapphire Family (One Sapphire card at a time)) |
| Closure Grace Period | None | 2 weeks |
Real-World Value Gap#
[!NOTE]
AxeTip Realism Index: We’ve adjusted portal redemption values for cards with travel portal multipliers to reflect real-world market pricing (e.g., markups found in the Chase Travel portal).
