Chase Sapphire Reserve vs. United Quest Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Chase Sapphire Reserve
Chase
United Quest Card
Chase
Chase Sapphire Reserve and United Quest Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Chase Sapphire Reserve wins on first-year math and lounge access; United Quest Card wins on annual fee and earning ceiling.
Pick the Chase Sapphire Reserve if year-one math is your priority; take the United Quest Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Chase Sapphire Reserve
Chase Sapphire Reserve wins on bonus value minus annual fee.
- Annual fee United Quest Card
United Quest Card is $445 cheaper to keep.
- Earning ceiling United Quest Card
United Quest Card earns more on its best category (10× vs 8×).
- Lounge access Chase Sapphire Reserve
Chase Sapphire Reserve includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $795
- $350
- Welcome offer (typical value)
- $2,550
- $910
- First-year net
- +$1,755
- +$560
- Peak earning rate
- 8×
- 10×
- Top categories
- Chase Travel, Flights Direct, Hotels Direct
- Airfare, Travel, Hotels Resorts
- Lounge access
- chase-sapphire-lounge, priority-pass
- No
- 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.