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 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