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 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.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
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
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.