Sapphire Reserve vs United Club
Sapphire Reserve
$795/yr
7.0/10
VS
United Club
$695/yr
5.5/10
Quick Answer
Sapphire Reserve charges $795/yr with 1X base rewards. United Club charges $695/yr with 1X base rewards. United Club 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 Club
Lower annual fee ($795 vs $695)
Rewards Earning
Sapphire Reserve
5 earning categories
Benefits & Protection
Sapphire Reserve
12 benefits vs 0
Statement Credits
Sapphire Reserve
$2348 in annual credits
Flexibility
Sapphire Reserve
Transferable points to airline/hotel partners
OUR PICK
United Club wins for most people
The $100 fee difference is hard to justify unless you maximize premium benefits.
Apply for United ClubPREMIUM PICK
Sapphire Reserve wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire ReserveRewards Earning: Detailed Comparison
Sapphire Reserve
| Chase Travel purchases including The Edit | 8.0X |
| Flights booked directly with airlines | 4.0X |
| Hotels booked directly | 4.0X |
| Dining worldwide | 3.0X |
| All other purchases | 1.0X |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |
Card Benefits: Detailed Comparison
Sapphire Reserve (12 benefits)
- Emergency Medical and Dental (up to $2,500)
- Lost Luggage Reimbursement (up to $3,000)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Primary Auto Rental Coverage (up to $75,000)
- Purchase Protection (up to $10,000)
- Extended Warranty Protection
- Emergency Evacuation/Transportation (up to $100,000)
- Priority Pass Select + Chase Sapphire Lounges (up to $469)
- Global Entry/TSA PreCheck/NEXUS Credit (up to $120)
- IHG One Rewards Platinum Elite Status
United Club (0 benefits)
See full review for benefits details.