Sapphire Reserve Business vs United Gateway
Sapphire Reserve Business
$795/yr
5.5/10
VS
United Gateway
$0/yr
7.0/10
Quick Answer
Sapphire Reserve Business charges $795/yr with 1X base rewards. United Gateway charges no annual fee with 1X base rewards. United Gateway 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 Gateway
Lower annual fee ($795 vs $0)
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 Gateway wins for most people
The $795 fee difference is hard to justify unless you maximize premium benefits.
Apply for United GatewayPREMIUM 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 Gateway
| United Airlines purchases | 2.0X |
| Gas stations | 2.0X |
| Local transit & commuting | 2.0X |
| Everything else | 1.0X |