The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Offer Extended
150,000 bonus points
Earn 200,000 bonus points
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
1 - 8X points
$795
Flex for Business Variable APR: 17.74% - 28.49%
Good Credit, Excellent Credit
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs. Read our full review of the Chase Sapphire Reserve for Business. (Partner offer)
Read the full reviewThe Sapphire Reserve Business Card is a great fit for business owners who want to maximize travel rewards without the complexity of rotating categories. If your business involves regular travel, client meals or online advertising, this card offers targeted value with strong bonus categories and premium travel benefits. It’s ideal for entrepreneurs who want to turn everyday expenses into flexible, high-value points for business or personal travel.
The Sapphire Reserve Business Card earns a strong 8 points per dollar on all purchases made through Chase Travel and 4 points per dollar on flights and hotels booked direct. Cardholders earn 5 points per dollar on eligible Lyft rides and 3 points per dollar on social media and search engine advertising purchases (up to $1 million per dollar spent each anniversary year, starting Nov. 15, 2026). All other purchases earn 1 point per dollar. There are no rotating categories and rewards are earned as Chase Ultimate Rewards points. These points can be redeemed for travel, gift cards, cash back or transferred to Chase’s travel partners.
Rewards Rates
Intro Offer
Offer Extended
150,000 bonus points
Earn 200,000 bonus points
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Ongoing Purchases APR
Flex for Business Variable APR: 17.74% - 28.49%
Ongoing Penalty APR
None
Annual Fee
$795
Recommended Credit
Good Credit, Excellent Credit
More Details