Head to head

Chase Sapphire Reserve vs. United Club Infinite Card

On the criteria below, United Club Infinite Card wins 2 of 3. The verdict depends on which criteria matter to you.

Chase Sapphire Reserve

Chase

Chase

At a glance

United Club Infinite Card wins 2 of 3 criteria here, making it the stronger all-rounder.

Chase Sapphire Reserve wins on first-year math; United Club Infinite Card wins on annual fee and earning ceiling.

Pick the Chase Sapphire Reserve if year-one math is your priority; take the United Club Infinite Card if you want a cheaper card to keep long-term.

1 vs 2

First-year math Chase Sapphire Reserve

Chase Sapphire Reserve wins on bonus value minus annual fee.
Annual fee United Club Infinite Card

United Club Infinite Card is $100 cheaper to keep.
Earning ceiling United Club Infinite Card

United Club Infinite Card earns more on its best category (11× vs 8×).

Annual fee: $795; $695
Welcome offer (typical value): $2,550; $1,170
First-year net: +$1,755; +$475
Peak earning rate: 8×; 11×
Top categories: Chase Travel, Flights Direct, Hotels Direct; Airfare, Travel, Hotels Resorts
Lounge access: chase-sapphire-lounge, priority-pass; United Club
Travel insurance: Yes; Yes
Elite status: Yes; No
Foreign transaction fee: None; None
Reward currency: Chase Ultimate Rewards; United MileagePlus

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.