Name: Sapphire Reserve for Business℠
Brand: Chase

Best Offer Ever

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.

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards Rates
1 - 8X points
Annual Fee
$795
Regular APR
Flex for Business Variable APR: 17.74% - 28.49%
Recommended Credit
Good Credit, Excellent Credit

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

At a glance

Rewards Rates

8x: Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
5x: Earn 5x total points on Lyft rides through 9/30/27.
4x: Earn 4x points on flights & hotels booked direct.
3x: Earn 3x points on social media & search engine advertising.
1x: Earn 1x points on all other purchases.

Intro Offer

Best Offer Ever

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

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
$7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.

Our Take

TPG Editor's Rating

4 / 5

Overview

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 review

Pros

Earn 8 points per dollar spent through Chase Travel and 4 points per dollar spent on flights and hotels booked direct
$300 annual travel credit plus additional credits for rideshare and food delivery
$120 statement credit for Global Entry, TSA PreCheck or NEXUS every four years
Access to Chase Sapphire Lounges, plus IHG Platinum Elite status and exclusive hotel perks via The Edit
Comprehensive travel protections and purchase coverage, including trip delay and rental car insurance
Up to $500 annual hotel credit with The Edit by Chase Travel (two $250 credits per year; two-night minimum required)

Cons

Steep $795 annual fee, which may be hard to justify without frequent traveling or high spending
Many credits are split across the year or require activation, making them harder to fully maximize
Employee cards lack key perks like lounge access and hotel elite status
Must spend $120,000 annually to unlock some of the most valuable benefits (like IHG Diamond status and Southwest A-List)

Who is this card good for?

The 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.

Earning rewards

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. All other purchases earn 1 point per dollar. There are no rotating categories or spending caps, 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.