Disney vs Sapphire Reserve Business
Disney
$0/yr
7.0/10
VS
Sapphire Reserve Business
$795/yr
5.5/10
Quick Answer
Disney charges no annual fee with 1X base rewards. Sapphire Reserve Business charges $795/yr with 1X base rewards. Disney offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Disney
Lower annual fee ($0 vs $795)
Rewards Earning
Sapphire Reserve Business
5 earning categories
Benefits & Protection
Disney
0 benefits vs 0
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Disney wins for most people
The $795 fee difference is hard to justify unless you maximize premium benefits.
Apply for DisneyPREMIUM PICK
Sapphire Reserve Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire Reserve BusinessRewards Earning: Detailed Comparison
Disney
| Disney purchases (parks, stores, Disney+) | 2.0X |
| Everything else | 1.0X |
Sapphire Reserve Business
| Hotels & car rentals (Chase Travel) | 10.0X |
| Flights (Chase Travel) | 5.0X |
| Dining | 4.0X |
| All other travel | 3.0X |
| Everything else | 1.0X |