Earn 150,000 points with Chase's top-tier business card
Editor's Note
As of Jan. 22, the eligibility rules for Chase's personal Sapphire cards have changed.
Step aside, American Express and Capital One — there's a formidable player in the premium business card market: the Chase Sapphire Reserve for Business℠ (see rates and fees). This card is the business counterpart of the Chase Sapphire Reserve® (see rates and fees), a longtime TPG staff favorite.
With this card, Chase has firmly positioned itself in the premium business credit card space, competing directly with cards like The Business Platinum Card® from American Express and the Capital One Venture X Business. The Sapphire Reserve for Business carries a $795 annual fee, but its long list of statement credits, elite-status perks and travel benefits can help offset that cost for the right business owner.
Let's take a look at the Sapphire Reserve for Business welcome offer, how much you need to spend to earn it and what it's worth.
Chase Sapphire Reserve for Business current offer
New Sapphire Reserve for Business applicants can earn 150,000 bonus points after spending $20,000 on purchases within the first three months from account opening.
Based on TPG's January 2026 valuations, this welcome offer is worth a whopping $3,075.
It's important to note that this card won't count toward Chase's 5/24 rule since it's a business credit card. However, you must be under 5/24 to be eligible to be approved. This means you cannot have opened five or more credit cards in the past two years.
Currently, there are no other welcome bonus eligibility restrictions (except the 5/24 rule). For example, if you received a welcome bonus on a consumer Sapphire card in the past, you will still be eligible to earn the bonus on the Sapphire for Business if approved.
Related: Best welcome offers of the month
Who should apply for the Chase Sapphire Reserve for Business?
The Sapphire Reserve for Business provides value year after year. You'll earn:
- 8 points per dollar spent on purchases made through Chase Travel℠ , including The Edit
- 5 points per dollar spent on Lyft purchases (through Sept. 30, 2027)
- 4 points per dollar spent on flights and hotels booked directly
- 3 points per dollar spent on social media and search engine advertising
- 1 point per dollar spent on all other purchases
Chase has an outstanding roster of 13 airline and hotel partners to which you can transfer your points for maximum value. Additionally, with the Points Boost feature, you can redeem your points through Chase Travel at a rate of up to 2 cents per point, depending on the type of travel booked (see your card's guide to benefits for more information). However, you'll get the most value when transferring to partners like Air Canada Aeroplan and World of Hyatt to book high-end travel.
Furthermore, the Sapphire Reserve for Business has valuable statement credits that cater to businesses, including:
- Up to $500 in annual credit for The Edit, which is Chase's premium hotel program (minimum two-night stay required)
- Up to $400 in annual ZipRecruiter credit (through Dec. 31, 2027)
- Up to $300 in annual travel credit
- Up to $300 annually in DoorDash promos and a complimentary DashPass membership (through Dec. 31, 2027; enrollment required)
- Up to $200 in annual Google Workspace credit (through Dec. 31, 2027)
- Up to $120 in credit every four years for Global Entry, TSA PreCheck or Nexus
- Up to $100 in annual Giftcards.com credit (through Oct. 31, 2028)
You'll also receive numerous travel-related benefits, like IHG One Rewards Platinum Elite status (through Dec. 31, 2027; not available for employee cardmembers), lounge access and travel-related benefits and protections. Plus, cardholders can unlock a $500 Southwest Airlines statement credit, Southwest Rapid Rewards A-List elite status and IHG One Rewards Diamond Elite status after spending $120,000 on their card in a single calendar year. These statuses are valid through the end of the current calendar year and the entirety of the following year.
It might be worth applying if you can use these benefits to maximize your everyday business spending and realistically earn the welcome offer. Regardless, make sure to run the numbers beforehand and ensure the card is right for you and your business.
Related: Do I need a business to get a business credit card?
Bottom line
The Chase Sapphire Reserve for Business is one of the top premium travel rewards business cards on the market.
If you're a business owner looking to build a stockpile of one of the most valuable flexible currencies, the Chase Sapphire Reserve for Business could be a great addition to your wallet. Useful travel perks, valuable statement credits and earning 4 points per dollar spent on hotels and flights booked directly make this an exciting card option for business owners who are always on the move.
To learn more, read our full Chase Sapphire Reserve for Business review.
Apply here: Chase Sapphire Reserve for Business
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.