The Ultimate Rewards points alone are worth over $4,000 by TPG’s July 2025 valuations, making this one of the most valuable Chase offers we’ve ever seen.
But lately, instead of transferring my points to hotel and airline partners like I have in the past, I’ve been testing out the new Points Boost feature on Chase Travel℠and have been getting 2 cents per Chase point when redeeming for luxury hotels, making these points super valuable and even easier to use. (By comparison, the Chase Sapphire Preferred® Card gets a maximum of 1.75 cents per point in Chase Travel.)
Who’s eligible?
I did need to verify some business income, so it’s not a low-barrier application. But if you’re a business owner with real expenses, consider if it’s right for you and your business needs.
While Chase has strict new rules about who can get the personal Sapphire Reserve, these new rules do not apply to the Sapphire Reserve for Business. Even those who currently hold the personal Sapphire Reserve (like me)Â are eligible for the sign-up bonus on the business card.
The Sapphire for Business will be my workhorse card going forward, so in evaluating the other cards in my wallet, I will likely downgrade my personal Sapphire Reserve and get the Sapphire Preferred with the lower $95 annual fee. It earns 2 points per dollar spent on travel (including parking and tolls), and my New York City parking is pretty expensive, so between those points earned and the 10% anniversary bonus points awarded each year, it will more than offset the annual fee. So I think having the Sapphire Preferred as my personal card and the Sapphire for Business for work expenses is my perfect sweet spot.
Travel perks
The Sapphire for Business provides access for the cardholder and up to two guests to Chase’s growing network of lounges, and I get immense value out of using the Sapphire Lounges when I travel. Three of my top airports are Philadelphia International Airport (PHL), LaGuardia Airport (LGA) and John F. Kennedy International Airport (JFK). The lounges are well appointed, and recently, I had a free spa treatment during a visit to the beautiful Sapphire Lounge at LGA.
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Photo Credit: JONNO RATTMAN.
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