Freedom Flex vs Sapphire Reserve Business
Freedom Flex
$0/yr
7.5/10
VS
Sapphire Reserve Business
$795/yr
5.5/10
Quick Answer
Freedom Flex charges no annual fee with 1X base rewards. Sapphire Reserve Business charges $795/yr with 1X base rewards. Freedom Flex 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
Freedom Flex
Lower annual fee ($0 vs $795)
Rewards Earning
Freedom Flex
5 earning categories
Benefits & Protection
Freedom Flex
7 benefits vs 0
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Freedom Flex wins for most people
The $795 fee difference is hard to justify unless you maximize premium benefits.
Apply for Freedom FlexPREMIUM 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
Freedom Flex
| Quarterly 5% Categories | 5.0X (up to $1,500) |
| Chase Travel purchases | 5.0X |
| Dining including takeout and delivery | 3.0X |
| Drugstore purchases | 3.0X |
| All other purchases | 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 |
Card Benefits: Detailed Comparison
Freedom Flex (7 benefits)
- Trip Cancellation/Interruption Insurance (up to $1,500)
- Auto Rental Collision Damage Waiver
- Auto Rental Coverage (Secondary)
- Purchase Protection (up to $500)
- Extended Warranty Protection
- Cell Phone Protection (up to $800)
- Travel Accident Insurance (up to $500,000)
Sapphire Reserve Business (0 benefits)
See full review for benefits details.