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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
News
I’ve been using the Chase Sapphire Reserve for Business for a year — here’s why I’m keeping it
Since launching TPG in 2010, founder Brian Kelly has expanded the team to include a distinguished editorial staff and an extensive network of freelancer contacts from around the globe. Today, TPG reaches 11 million unique monthly visitors and more than 3 million followers across social media platforms and has offices in New York City, Charlotte and the U.K.
July 31, 2026 • 9 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: Beginning Nov. 15, there will be a $1 million spending cap each anniversary year on social media and search engine advertising purchases that earn 3 points per dollar.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
Related stories
TPG featured card
Quick summary
A premium business card has relaunched its substantial introductory offer, providing significant value for new applicants who meet the spending requirement.
The card stands out for its uncapped earning rate at internet and social media advertising merchants, unlike competitors that impose annual limits.
It features a range of luxury travel and business perks, including travel credits, hotel benefits, elite status with a major hotel loyalty program and lounge access.
This product is positioned as a strong fit for business owners with high advertising or travel expenses seeking flexible rewards and premium benefits.
What to consider
Applicants must verify business income and meet a sizable spending threshold within six months to qualify for the introductory offer.
Some benefits, such as hotel credits and select statement credits, have expiration dates and minimum stay or usage requirements.
Points can be redeemed for elevated value through a proprietary booking platform, with valuations reaching up to 2.5 cents each per TPG's July 2026 data.
What you'll miss from the article
A detailed breakdown of how uncapped earning and luxury perks compare to other premium business cards, plus real-world redemption examples.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
As I dug into the details, I realized there were no strict rules around getting the bonus, because even if you have a Chase Sapphire Reserve® (see ), you are eligible.
If that wasn't good enough, the 3 points per dollar earning rate on internet and social media advertising does not have a yearly limit — a detail that some people might overlook but absolutely shouldn't.
That little nugget stopped me in my tracks. To be honest, I got an exhilarating rush from a new credit card that I hadn't had in a very long time.
Apply now: Earn 200,000 Chase Ultimate Rewards points after spending $30,000 on purchases in the first six months from account opening with the Chase Sapphire Reserve for Business.
Why?
At TPG, we spend a lot of money on internet advertising, and I also have several other small businesses that spend in this category.
The fact that there is no limit for spending in this category has been one of the biggest boons for my points-earning strategy in a decade because the American Express® Business Gold Card and the Ink Business Preferred® Credit Card (see ) both have $150,000 caps each calendar year and account anniversary year, respectively (then 1 point per dollar).
Offer Extended
Sapphire Reserve for Business℠
TPG editor's rating4
TPG editor's rating
Pros + cons
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)
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.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC
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)
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.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC
Offer Extended
Sapphire Reserve for Business℠
TPG editor's rating4
TPG editor's rating
Pros + cons
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)
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.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC
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)
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.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC
Offer Extended
Sapphire Reserve for Business℠
TPG editor's rating4
TPG editor's rating
Pros + cons
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)
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.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC
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)
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.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC
Offer Extended
Sapphire Reserve for Business℠
TPG editor's rating4
TPG editor's rating
Pros + cons
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)
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.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC
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)
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.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC
Yes, the annual fee on the card is $795, but it gets you into beautiful Sapphire Lounges, has most of the benefits of the consumer Sapphire Reserve and comes with some extra business perks.
The Sapphire Reserve for Business has been a game changer for me, and I know it will be for many other small-business owners.
A massive welcome bonus
The Sapphire Reserve for Business is once again offering its launch welcome bonus of 200,000 Chase Ultimate Rewards points after spending $30,000 on purchases in the first six months from account opening.
While the launch offer disappeared earlier this year in favor of a smaller 150,000-point bonus after spending $20,000 in the first three months, Chase has since brought back the original 200,000-point offer. If you were waiting for the richer bonus to return, now is an excellent time to consider applying.
EMILIA WRONSKI/THE POINTS GUY
I did need to verify some business income, so it’s not a low-barrier application. But if you’re a legitimate business owner with real expenses, it’s well within reach.
As I mentioned, the standout feature for me has been the uncapped 3 points per dollar spent on social media and search engine advertising.
I spend a lot in that category, and, previously, I’d been splitting the load between my American Express Business Gold Card — which earns 4 points per dollar spent on these purchases, capped at $150,000 in combined purchases per calendar year (then 1 point per dollar) — and my Ink Business Preferred Card — which earns 3 points per dollar spent on these purchases, also capped at $150,000 in combined purchases per account anniversary year.
BRIAN KELLY/THE POINTS GUY
The Sapphire Reserve for Business has let me consolidate my spending and keep earning beyond those limits, which is a big deal for growing our TPG brand.
On top of that, the ability to earn at an accelerated rate and then use those points through Chase's Points Boost — which I've regularly used for hotels and select airfare at up to 2.5 cents apiece — is huge. That’s essentially a return of more than 6% on every dollar spent in an uncapped category.
The perks on the Sapphire Reserve for Business provide a ton of value. Even if you only use half of them, you still come out ahead. They rival (and, in some cases, beat) what you’ll get from other top-tier cards:
Over $400 in combined DoorDash (through Dec. 31, 2027) and Lyft (through Sept. 30, 2027) credits each year
An up to $500 hotel credit through The Edit, Chase’s luxury hotel collection (split into two statement credits of up to $250 each, with a minimum two-night stay required)
$600 in combined business statement credits for Google Workspace (through Dec. 31, 2027) and ZipRecruiter (through Dec. 31, 2027)
I’ve continued using The Edit over the past year, most recently for a three-night stay at Four Seasons Hotel Hampshire outside London.
I redeemed just under 280,000 Chase Ultimate Rewards points through Chase Travel℠ to cover a stay that retailed for $4,616 in cash.
BRIAN KELLY/THE POINTS GUY
As always with The Edit, the booking came with valuable on-property perks, including daily breakfast for two, a $100 property credit and a welcome amenity. Those benefits can easily add several hundred dollars in value to a luxury stay and are among my favorite reasons to book premium hotels through Chase Travel.
Why I’ve shifted my strategy
After using the card for the past year, it’s become a core part of my business spending strategy. This card fits perfectly into my always-evolving points strategy.
Beyond the uncapped earnings on ads, the card also earns:
8 points per dollar spent on travel booked through Chase Travel
5 points per dollar spent on Lyft rides (through Sept. 30, 2027)
4 points per dollar spent on flights and hotels booked directly
1 point per dollar spent on everything else
ZACH GRIFF/THE POINTS GUY
That’s some serious earning power. And when you pair it with Points Boost, which I've used to book a $3,700 Delta One suite for just 175,000 points, the value proposition goes through the roof. Delta Air Lines wanted 650,000 Delta SkyMiles for the same seat. That’s an amazing win.
Let’s not sugarcoat it: The $795 annual fee is hefty, and spending $30,000 in six months is no small feat. But this card could absolutely be worth it if you:
Advertise heavily or spend big on business travel
Want real value from your points, not just 1 cent per point
Need a card that rewards everyday business spending without limits
Appreciate luxury perks like spa credits, free breakfast and lounge access
A year after its launch, the Chase Sapphire Reserve for Business continues to stand out as one of the strongest premium business cards on the market.
Between its uncapped earnings on advertising purchases, premium travel perks and outstanding redemption opportunities through Points Boost, it’s become one of the cards I reach for most often.
With the 200,000-point launch welcome offer back after a brief reduction earlier this year, it’s an especially attractive time to apply if you’ve been considering adding the card to your wallet.
