Chase Sapphire Reserve vs. Sapphire Reserve for Business: Which Reserve is right for you?
Editor's Note
Chase offers two flagship premium cards, one personal and one business.
Both the Chase Sapphire Reserve for Business℠ (see rates and fees) and Chase Sapphire Reserve® (see rates and fees) carry a whopping $795 annual fee and have various premium travel perks, useful statement credits and airport lounge access.
Let's compare these two cards and see which is right for you.
Comparison of the Sapphire Reserve vs. Sapphire Reserve for Business
| Card | Sapphire Reserve | Sapphire Reserve for Business |
|---|---|---|
Welcome offer | Earn 125,000 bonus points after spending $6,000 on purchases in the first three months of account opening. | Earn 150,000 bonus points after spending $20,000 on purchases within the first three months from account opening. |
Annual fee | $795 | $795 |
Earning rates |
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Statement credits |
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Sapphire Reserve vs. Reserve for Business welcome offer
With both cards having $795 annual fees, the first thing you might look at is their welcome offers. Both cards have industry-leading welcome offers that can provide thousands of dollars in value when redeemed for travel.
New applicants for the Sapphire Reserve can earn 125,000 bonus points after spending $6,000 on purchases in the first three months of account opening. Based on TPG's January 2026 valuation of Chase Ultimate Rewards points at 2.05 cents each, this offer is worth $2,563.
On the other hand, 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 valuations, this offer is worth $3,075.
The welcome offer on the Sapphire Reserve is much more attainable, as the minimum spending requirement is much lower at $6,000 over three months. However, those with high business expenses can get more value from the Sapphire Reserve for Business's larger points bonus.
Winner: Tie. The welcome offer for Sapphire Reserve for Business is higher; however, it requires more than three times the minimum spending amount of the Sapphire Reserve.
Related: The best credit card welcome bonuses of the month
Sapphire Reserve vs. Reserve for Business benefits
Both cards offer numerous benefits, including statement credits, lounge access and travel protections.
Here's an overview of the benefits offered on both cards:
| Benefit | Sapphire Reserve | Sapphire Reserve for Business |
|---|---|---|
Annual statement credits and benefits |
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Lounge access |
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Travel protections |
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Hotel perks |
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Unlockable benefits | After spending $75,0000 or more in a year, you unlock:
| After spending $120,000 or more in a year, you unlock:
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Most of the cards' benefits, like the airport lounge access, the annual $300 travel credit and the travel protections if your travels go awry, overlap.
There are a few differences between the benefits the cards offer. The Sapphire Reserve has more lifestyle-focused benefits like dining, entertainment and streaming credits. In contrast, the Sapphire Reserve for Business credits are more catered toward business owners, with credits focused on hiring and productivity.
Additionally, you can unlock almost the same bonus benefits on the Sapphire Reserve with $45,000 less in spending.
Winner: Chase Sapphire Reserve. It offers slightly more statement credits that are easier to use for most consumers. However, the Chase Sapphire Reserve for Business can be excellent for small-business owners who already spend with ZipRecruiter and Google Workspace.
Related: The best premium credit cards: A side-by-side comparison
Earning points on the Sapphire Reserve vs. Sapphire Reserve for Business
Both cards earn ultra-valuable Chase Ultimate Rewards points in a variety of bonus categories.
With the Sapphire Reserve, you'll earn:
- 10 points per dollar spent on Peloton equipment and accessory purchases of $150 or more (through Dec. 31, 2027), with a maximum of 50,000 points
- 8 points per dollar spent on purchases made through Chase Travel, including The Edit
- 5 points per dollar spent on Lyft rides through Sept. 30, 2027
- 4 points per dollar spent on flights and hotels booked directly
- 3 points per dollar spent on dining worldwide
- 1 point per dollar spent on all other purchases
Meanwhile, the Sapphire Reserve for Business earns:
- 8 points per dollar spent on Chase Travel purchases
- 5 points per dollar spent on eligible Lyft rides through Sept. 30, 2027
- 4 points per dollar spent on flights and hotels booked directly
- 3 points per dollar spent on advertising purchases made with social media sites and search engines
- 1 point per dollar spent on all other purchases
It's important to note that there is no spending cap on the 3 points per dollar spent on advertising, unlike other Chase business cards, like the Ink Business Preferred® Credit Card (see rates and fees), which has a $150,000 spending cap.
Both cards have the same earning rates on Chase Travel purchases, as well as flights and hotels booked directly. The Sapphire Reserve offers bonus points on dining and Peloton purchases. However, business owners who spend heavily on online advertising will appreciate the unlimited bonus earnings available with the Sapphire Reserve for Business.
Winner: Tie. Both cards have similar earning rates with some key differences. Consider your daily spending to find the best fit for your budget.
Related: Is the Chase Sapphire Reserve worth the annual fee?
Redeeming points on the Sapphire Reserve vs. Sapphire Reserve for Business
Both cards offer multiple ways to redeem your points, but the best value redemption is to transfer to one of Chase's transfer partners.
You can redeem your points for cash back, gift cards, dining and experiences through the Ultimate Rewards portal. You can also take advantage of Chase's Pay Yourself Back feature, where you can get higher value from your points to cover eligible purchases.
Additionally, Chase's Points Boost feature allows cardholders to book travel directly through Chase Travel at a value of up to 2 cents per point, depending on the card and the specific redemption (see your rewards program agreement for full details). All non-Points Boost-eligible Chase Travel purchases can be redeemed at a rate of 1 cent per point.
Winner: Tie. Both cards offer the same redemption options and access to Chase's Points Boost perk.
Transferring points on the Sapphire Reserve vs. Sapphire Reserve for Business
You can transfer Ultimate Rewards points to Chase's extensive roster of 13 airline and hotel partners. Transferring points lets you get maximum value from them, and you can often exceed TPG's valuation of 2.05 cents per point. These transfer partners are the same for both Sapphire Reserve cards.
Some popular partners include Air Canada Aeroplan, Air France-KLM Flying Blue, United MileagePlus and World of Hyatt.
Credit cards writer Augusta Stone enjoys booking Hyatt stays with her Chase points, since Hyatt has one of the most valuable award charts out there.
Winner: Tie. Both cards share the same transfer partners and rates.
Related: How to redeem Chase Ultimate Rewards points for maximum value
Should I get the Sapphire Reserve or the Sapphire Reserve for Business?
If you aren't a business owner and prefer earning bonus points on everyday spending categories like dining, you should opt for the Sapphire Reserve. Meanwhile, if you're a business owner looking for premium benefits and bonus points on advertising, you should opt for the Sapphire Reserve for Business.
However, if you're a business owner and torn between which card to get, you could get both cards and receive both welcome bonuses. If you decide to do this, ensure you time your applications so you have enough time to earn both bonuses.
Bottom line
The Sapphire Reserve provides numerous credits and benefits to give cardholders value. If you're looking for an easy-to-use travel credit, lounge access and a plethora of other benefits, this option is right for you.
Meanwhile, the Sapphire Reserve for Business is Chase's foray into the premium business card market. Its benefits and statement credits are catered to small-business owners who value premium travel benefits. There's plenty of overlap, but it's worth comparing the two to see which is the best fit for your wallet.
Apply here: Chase Sapphire Reserve
Apply here: Chase Sapphire Reserve for Business
TPG featured card
at Capital One's secure site
Terms & restrictions apply. See rates & fees.
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Pros
- The Capital One Venture X business card has a lucrative welcome offer.
- In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
- Business owners are also able to add employee cards for free.
Cons
- The card requires significant spending to earn the welcome offer.
- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app