Chase Sapphire Reserve vs United Club Infinite
Chase Sapphire Reserve edges United Club Infinite on year-1 math ($3,065 more value at 1.8¢/pt).
Quick verdict
Chase Sapphire Reserve edges United Club Infinite on year-1 math ($3,065 more value at 1.8¢/pt)
Chase Sapphire Reserve: $1,899 recurring credits + $2,700 welcome bonus − $795 AF = $3,804 net. United Club Infinite: $1,434 recurring credits + $0 welcome bonus − $695 AF = $739 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Chase Sapphire Reserve | United Club Infinite | |
|---|---|---|
| Annual fee | $795 | $695 |
| Welcome bonus | 150,000 pts after $6,000 in 3mo | — |
| Welcome bonus value @ 1.8¢ | $2,700 | — |
| Free-night cert | — | — |
| Recurring credits / year | $1,899 | $1,434 |
| Year-1 net @ 1.8¢ | $3,804 | $739 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Chase Sapphire Reserve
6 recurring credits
- The Edit by Chase Travel$250 · Semi-annual
- Sapphire Exclusive Tables Dining$150 · Semi-annual
- Priority Pass Select$469 · Annual
- Travel Credit$300 · Annual
- Sapphire Lounge access$300 · Annual
- Global Entry / TSA PreCheck$120 · Every 4 years
United Club Infinite
5 recurring credits
- Instacart Credit$20 · Monthly
- Rideshare Credit$12 · Monthly
- United Club Membership$750 · Annual
- JSX Flight Credit$200 · Annual
- Avis/Budget Car Rental Credit$100 · Annual
Pick Chase Sapphire Reserve if
the recurring credits stack is richer ($1,899 vs $1,434); the welcome bonus pays more at 1.8¢/pt ($2,700 vs $0).
Pick United Club Infinite if
the AF is meaningfully lower ($695 vs $795).