Chase Sapphire Reserve for Business: Full review

The Chase Sapphire Reserve for Business℠ (see rates and fees) could include a steep $795 annual payment, but it surely presents helpful assertion credit, uncapped earnings and worthwhile journey perks to justify the price — for the fitting enterprise proprietor. Card score: ⭐⭐⭐⭐

*Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

A premium enterprise card providing journey rewards can present worthwhile perks, strong incomes charges and wonderful redemption alternatives.

Chase’s seat on the premium enterprise card desk remained empty for a very long time. Its primary opponents, American Express and Capital One, provided the Capital One Venture X Business and The Business Platinum Card® from American Express, whereas Chase remained content material with its household of Ink Business cards — till now.

Chase formally launched the first-ever Sapphire business card, the Sapphire Reserve for Business, on June 23. Whereas it comes with a hefty $795 annual payment, it presents a slew of premium advantages to assist cardholders justify it. Nonetheless, it is necessary to fastidiously contemplate whether or not this card is the right fit for your business.

That is why I will break down all of this card’s particulars so you can also make the fitting selection in your pockets. We advocate a credit score of at the very least 740 for the perfect likelihood of approval.

Let’s get into it.

Presently, new Sapphire Reserve for Business cardholders can earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening.

Primarily based on TPG’s June 2025 valuations, this welcome provide is value $4,100. That is one of many most valuable welcome offers we have ever seen on a card.

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If your corporation can hit that spending requirement, it is a great offer. Spending $30,000 in six months is lots to ask of many small companies, although, so make sure you will not overspend to hit this aim. In the event you’re not assured in your capacity to satisfy this spending requirement, certainly one of Chase’s other business cards could also be a greater match for you.

Fortunately, Chase’s eligibility necessities for its shopper Sapphire playing cards do not apply to the Sapphire Reserve for Enterprise. Which means you possibly can nonetheless earn this welcome bonus in case you maintain both the Chase Sapphire Preferred® Card (see rates and fees) or the Chase Sapphire Reserve® (see rates and fees), if not each.

Nevertheless, you are still topic to Chase’s 5/24 rule. Which means you will not be permitted for this card in case you’ve been permitted for 5 or extra shopper (and a few enterprise) playing cards previously 24 months. Thankfully, the Sapphire Reserve for Enterprise itself will not depend towards your 5/24 complete.

Justifying a $795 annual payment means that you must obtain sturdy advantages. Fortunately, the Sapphire Reserve for Business packs a punch with a slate of assertion credit and a few of the strongest journey protections round.

Assertion credit

The Sapphire Reserve for Enterprise is not brief on assertion credit, so buckle in:

• $25 month-to-month DoorDash promos: Every month, you may obtain a $5 restaurant promo and two $10 promos for nonrestaurant orders. This can be a good way to assist offset the price of shopping for snacks in your staff or a particular reward in your worker of the month. You should be enrolled in your card’s complimentary DoorDash DashPass membership to obtain these promos (by way of Dec. 31, 2027).
• $10 month-to-month Lyft credit score: You may get $10 in Lyft credit to make use of every month. Rush-hour rides will be fairly expensive, so this credit score will assist ease the sting of enterprise rides (by way of Sept. 30, 2027).
• $250 biannual The Edit credit score: You may get $250 within the first half of the yr, then one other $250 within the second half, for eligible The Edit luxurious resort bookings made by way of Chase Journey℠. This can be a nice credit score for enterprise homeowners who are sometimes on the street (minimal two-night keep required).
• $200 biannual ZipRecruiter credit score: You may obtain $200 from January by way of June and one other $200 from July by way of December for purchases made by way of ZipRecruiter.
• $50 biannual Giftcards.com credit score: Whether or not you need to purchase reward playing cards for workers or a raffle, this credit score might help cowl the price (buy by way of giftcards.com/reservebusiness).
• $300 annual journey credit score: This credit score mirrors the benefit on the personal Sapphire Reserve card. It is probably the most versatile credit round, making use of to a wide range of travel purchases, from airfare to accommodations and campgrounds to journey businesses.
• $200 annual Google Workspace credit score: You may admire this credit score if your corporation wants a set of productiveness instruments or is excited about exploring synthetic intelligence.
• $120 World Entry, TSA PreCheck or Nexus credit score each 4 years: I like to recommend going for Global Entry since TSA PreCheck comes as a part of that program.

I admire the flexibleness of the Reserve for Enterprise’ journey credit score, however its different main credit are very merchant-specific. This may be tough for some companies, so ensure that to fastidiously contemplate how simple will probably be to track each benefit.

Bonus credit after spending $120,000 in a calendar yr

• $500 annual Southwest Airways credit score: If your corporation will organically spend this a lot on the Sapphire Reserve for Enterprise annually, you may get $500 in Southwest credit score in change.
• $500 annual Outlets at Chase credit score: You may store along with your Sapphire Reserve for Enterprise or use Final Rewards factors at high manufacturers like Ray-Ban and Tory Burch by way of this platform.
• IHG One Rewards Diamond Elite standing: IHG’s top tier of status, which presents free breakfast on high of Platinum Elite advantages, is detailed under.

I would not advocate going out of your technique to spend $120,000 in a calendar yr for these additional advantages. IHG One Rewards Diamond Elite standing is sweet, however remember that you may solely get that standing for your self (as the first cardholder). A $500 Southwest credit score and a $500 Outlets at Chase credit score aren’t a lot compared to their considerably excessive spending requirement. In the event you do spend your technique to earn these bonus credit, you’ll obtain them by way of the top of the calendar yr they’re earned and the next calendar yr.

Different advantages

If the assertion credit listed above have not swayed you in favor of this card, take a look at a few of the different perks it presents:

• Complimentary entry to eight Chase Sapphire and 1,700-plus Priority Pass lounges: Cardholders can carry as much as two friends at no cost.
• IHG One Rewards Platinum Elite standing: IHG’s second-highest tier of standing, which presents complimentary upgrades, early check-in (topic to availability) and a welcome amenity, comes complimentary, however just for the first cardholder (not for workers). It is accessible by way of Dec. 31, 2027.
• Chase Sapphire Reserve Unique Tables on OpenTable: Entry primetime reservations at choose eating places within the U.S., Canada and Mexico.
• Concierge service for eating, leisure and journey
• Versatile cost choices: Cardholders profit from a excessive pay-in-full spending restrict whereas additionally getting access to Flex for Enterprise, a revolving credit score line that allows funds over time with curiosity. This added flexibility is particularly worthwhile for enterprise homeowners who may have to hold a stability often, serving to them handle money circulation with out disruption.
• Journey and buy protections
• Free worker playing cards

The Sapphire Reserve for Business retains it easy with comparatively few bonus classes:

• 8 factors per greenback spent on Chase Travel bookings
• 5 factors per greenback spent on Lyft (by way of Sept. 30, 2027)
• 4 factors per greenback spent on flights and accommodations booked immediately
• 3 factors per greenback spent on social media and search engine promoting
• 1 level per greenback spent on all other purchases

One of many Sapphire Reserve for Enterprise’ finest and most notable advantages is the absence of a spending cap on social media and search engine promoting. That is uncommon for a enterprise card, as most issuers cap earnings on this class on the first $150,000 spent annually.

Promoting is important to a enterprise’ success, so this class might help you rack up hundreds, and even a whole lot of hundreds, of factors annually.

Apart from that class, these are pretty normal choices for a enterprise card. I might’ve appreciated to have seen web, cable and telephone providers and workplace provide shops provided as classes, contemplating the excessive annual payment on this card.

The Sapphire Reserve for Business earns Chase Ultimate Rewards factors. These factors will be redeemed for a wide range of choices, together with money again, reward playing cards, journey and Amazon purchases. They will also be transferred to airline and resort companions (extra on that later).

The Sapphire Reserve for Enterprise has entry to Chase’s new Points Boost characteristic. While you redeem factors by way of Chase Journey, they’re value as much as 2 cents per level, relying on the kind of journey booked (see your card’s information to advantages for extra data). Journey redemptions not eligible for Factors Enhance are value 1 cent per level.

I like to recommend prioritizing switch companions over making an attempt to maximise your redemption worth by way of Factors Enhance. As of June 2025, TPG values Chase Final Rewards factors at 2.05 cents apiece, so at worst, you may probably get the identical worth from transferring your factors as you’d with Factors Enhance.

Transferring points is normally one of the best ways to get most worth out of them, no matter whether or not you favor easy economic system flights or luxurious business-class excursions.

You may switch the factors you earn in your Chase Sapphire Reserve for Business to certainly one of 11 airline and three resort loyalty program partners. Some key packages embody Air Canada Aeroplan, United MileagePlus and World of Hyatt.

Matt Moffitt, TPG’s contributing editor for bank cards, likes transferring his Chase factors to Hyatt to scale back the excessive price of lodging throughout busy journey durations. He not too long ago redeemed 62,000 factors for a weeklong keep on the Hyatt Centric Malta in the course of the peak summer season season.

If the Sapphire Reserve for Business is not your cup of tea, contemplate certainly one of these options as a substitute:

For extra choices, take a look at our picks for the best business cards and the best Chase cards.

Associated: Capital One Venture X Business vs. American Express Business Platinum Card: Which card should you venture toward?

The Sapphire Reserve for Business is a superb selection for anybody who already makes use of the providers coated by its assertion credit and companies who spend lots on promoting. Nevertheless, if your corporation would not simply use the assertion credit or spends lots in different enterprise classes, a extra inexpensive enterprise bank card is finest.

Chase’s latest card could include an eyebrow-raising annual payment. Nevertheless, within the palms of the fitting enterprise proprietor, it may be a strong points-earning workhorse. That is very true for any enterprise that spends lots on social media and search engine promoting, for the reason that Sapphire Reserve for Business does not cap earnings in that class.

Earlier than hitting the apply button, be sure you can meet the excessive spending requirement to unlock the precious welcome bonus. The Sapphire Reserve for Enterprise could require extra legwork than different playing cards, however the rewards you possibly can reap with its incomes classes and advantages can far outweigh the hassle.

Apply right here: Chase Sapphire Reserve for Business

For charges and charges of the Amex Enterprise Platinum, click on here.
For charges and charges of the Amex Enterprise Gold, click on here.