Sapphire Reserve Business vs United Explorer
Sapphire Reserve Business
$795/yr
5.5/10
VS
United Explorer
$150/yr
6.0/10
Quick Answer
Sapphire Reserve Business charges $795/yr with 1X base rewards. United Explorer charges $150/yr with 1X base rewards. United Explorer 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
United Explorer
Lower annual fee ($795 vs $150)
Rewards Earning
Sapphire Reserve Business
5 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
United Explorer wins for most people
The $645 fee difference is hard to justify unless you maximize premium benefits.
Apply for United ExplorerPREMIUM 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
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 |
United Explorer
| United Airlines purchases | 2.0X |
| Dining | 2.0X |
| Hotel stays | 2.0X |
| Everything else | 1.0X |