Chase Sapphire Reserve for Business: Chase debuts new premium card
Rumors have been circulating, and now we have confirmation.
Chase has finally provided a competitor to business credit card heavyweights like the Capital One Venture X Business and The Business Platinum Card® from American Express. The all-new Chase Sapphire Reserve for Business℠ (see rates and fees), which will launch June 23, 2025, seeks to redefine the business credit card scene by providing a solid return on travel-related spending and a plethora of travel-focused perks.
The card's release coincides with the heavily speculated refresh of the Chase Sapphire Reserve® (see rates and fees) to capitalize on the summer season.
Let's look closer at the card's offerings and how Chase is changing the business card landscape.
At a glance
The Sapphire Reserve for Business comes with a hefty annual fee of $795.
Similar to other business credit cards, the Sapphire Reserve for Business provides employee cards at no additional cost. The card's pinstripe pattern is captivating, and, according to Chase, the new metal card weighs a whopping 19.6 grams.
Regarding credit limits, the Sapphire Reserve for Business features two options:
- Cardholders can access a high spending pay-in-full limit.
- Cardholders can use Flex for Business, a credit line that allows payments over time with interest.
The Flex for Business credit line option is a fantastic development because business owners may need to occasionally carry a balance, giving them the flexibility to do so without compromising cash flow.
Earning rates
This is where the Sapphire Reserve for Business sets itself apart and takes the lead over its competitors. Cardholders earn Ultimate Rewards points at the following rates:
- 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 — with no cap — made via social media sites and search engines
- 1 point per dollar spent on all other purchases
This development solidifies the Sapphire Reserve for Business as a true travel rewards card for business owners.
Despite lacking a bonus category in other key business expenditure areas, such as shipping, construction supplies, software or cloud storage services, the high earnings on travel and solid earnings on advertising are more than enough to compensate for it.
That's because there is no spending cap on advertising spend, whereas other issuers and even the Ink Business Preferred® Credit Card (see rates and fees) have a $150,000 spend limit per calendar year. For certain business owners, this is an exciting benefit of the Sapphire Reserve for Business card — and perhaps a top reason to apply for the card.
These rates beat the Venture X Business and Amex Business Platinum, making the card a potential workhorse for many small businesses.
Business travel benefits
Focusing on premium travel, the Sapphire Reserve for Business comes with an annual $500 credit for The Edit by Chase Travel.
Cardholders receive a $250 credit from January to June and another $250 credit from July to December each calendar year. To receive the credit, you must book a two-night minimum prepaid stay.
The fan-favorite $300 travel credit found on the personal Sapphire Reserve is also a perk of the Sapphire Reserve for Business and helps offset the cost of the eye-watering $795 annual fee.
Other travel perks include:
- Up to $120 Global Entry, TSA PreCheck or Nexus credit every four years
- Complimentary IHG One Rewards Platinum Elite Status through Dec. 31, 2027 (cardholders can earn IHG One Rewards Diamond Elite Status after $120,000 spend in a calendar year)
- Complimentary access to the Chase Sapphire Lounge by the Club and Priority Pass lounges for the primary cardholder and up to two guests per visit
- After spending $120,000 in a calendar year, you can unlock Southwest Rapid Rewards A-List status, plus a $500 Southwest Airlines credit when booking through Chase Travel
Chase has also added a new points redemption accelerator called Points Boost. This is a new way for cardholders to redeem up to 2 points per dollar spent with select airlines and top-booked hotels through Chase Travel. The card will also allow 1:1 transfers to participating airline and hotel loyalty programs, giving you the potential for even more value for your points.
Business-related benefits
After carefully considering the value you'll get from the travel-related statement credits, the Sapphire Reserve for Business can be even more lucrative with another $700 in statement credits that help offset business expenses. These include:
- Up to $400 ZipRecruiter credit: Receive a statement credit for purchases made directly with ZipRecruiter, split into biannual credits of up to $200 from January to June and up to $200 from July to December (through Dec. 31, 2027).
- Up to $200 Google Workspace credit: Receive a statement credit for purchases made directly with Google Workspace for AI tools for business (through Dec. 31, 2027).
- Up to $100 Giftcards.com credit: Earn up to $100 in statement credits (up to $50 from January through June and $50 from July through December) on gift card purchases made through giftcards.com/reservebusiness (through Oct. 31, 2028).
Other perks
Businesses have various expenses, and the Sapphire Reserve for Business offers some additional perks that lessen the impact of its annual fee.
For starters, cardholders receive up to $300 annually in DoorDash benefits, including a 12-month DashPass membership (which must be activated by Dec. 31, 2027).
Once enrolled in DashPass, cardholders will receive up to $25 a month: a $5 restaurant promo and two $10 promos toward grocery, beauty, electronics and other purchases. The promos are applied at the time of checkout and unfortunately do not carry over month to month if unused.
As a business owner, if ride-hailing services are part of your monthly expenditure, then you can take advantage of up to $10 monthly (up to $120 annually) Lyft in-app credits through Sept. 30, 2027.
Once Sapphire Reserve for Business cardholders spend $120,000 in a calendar year, they also receive a $500 credit to use at the new The Shops at Chase, a marketplace which includes brands like Tumi, Baccarat, Breitling and Dyson.
Best of all, as a Chase Visa Infinite card, business owners can rest assured that their travels are covered by some of the greatest travel protections in the industry, along with purchase protection.
Related: Your complete guide to Chase and DoorDash
Bottom line
Chase has turned up the heat for summer 2025 with the release of the Chase Sapphire Reserve for Business. Despite the card's $795 annual fee, it features the $300 flexible travel credit we love on the consumer Sapphire Reserve and earns great rates on travel, beating its competitors outright.
Although there is an industry trend of adding lifestyle perks and statement credits to offset high annual fees, Chase has done a great job balancing the Sapphire Reserve for Business with easy-to-use benefits.
As a cardholder of the Chase Sapphire Reserve since its debut, I think Chase got it right with the Sapphire Reserve for Business and has given the other issuers a run for their money. Although this card may not be for everyone, especially considering its heavy emphasis on travel, it could be a great fit for business owners who are also points and miles enthusiasts.
The card (and hopefully a solid welcome bonus) will officially launch on June 23, 2025, so stay tuned for more details.
Related: Best business credit cards
Apply here: Chase Sapphire Reserve for Business
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at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees