Freedom Unlimited vs Sapphire Reserve Business
Freedom Unlimited
$0/yr
7.5/10
VS
Sapphire Reserve Business
$795/yr
5.5/10
Quick Answer
Freedom Unlimited charges no annual fee with 2X base rewards. Sapphire Reserve Business charges $795/yr with 1X base rewards. Freedom Unlimited 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 Unlimited
Lower annual fee ($0 vs $795)
Rewards Earning
Sapphire Reserve Business
5 earning categories
Benefits & Protection
Freedom Unlimited
7 benefits vs 0
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Freedom Unlimited wins for most people
The $795 fee difference is hard to justify unless you maximize premium benefits.
Apply for Freedom UnlimitedPREMIUM 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 Unlimited
| Chase Travel purchases | 5.0X |
| Dining including takeout and delivery | 3.0X |
| Drugstore purchases | 3.0X |
| Everything else | 1.5X |
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 Unlimited (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.