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Chase · sapphire

Sapphire Reserve for Business Credit Card

4.3 / 5

Ultimate Rewards · Business card

A $795 business card that pays 8x on Chase Travel and stacks more than $3,000 of stated annual credits, most of which are tied to specific merchants and booking channels. It is a Pay in Full card with a Flex for Business line, so it suits businesses that clear the balance monthly and will actually use the Chase Travel, Google Workspace, ZipRecruiter and DoorDash credits.

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At a glance

Welcome bonus: 200,000 points; Spend $30,000 in 6 months
Annual fee: $795; Year-one and ongoing
Purchase APR: 17.74% to 28.49%; No intro APR
FX fee: None

Editorial

Our take

Verdict

Pros & cons

Pros

8x points on Chase Travel bookings and 4x on flights and hotels booked direct
Points transfer 1:1 to 14 airline and hotel partners
More than $3,000 in stated annual credits, including $300 in flexible travel credit
No foreign transaction fees and employee cards at no additional cost

Cons

$795 annual fee, and most credits require spending with specific partners to recover it
$30,000 spend in 6 months is a high bar for the welcome bonus
Pay in Full structure means most of the balance cannot be carried, and there are no balance transfers

Earnings

Earn rates

Category	Rate	Notes
Travel via Chase Travel	8x points	All purchases through Chase Travel, including The Edit.
Lyft rides	5x points	5x total points on Lyft rides through 9/30/27.
Flights & hotels booked direct	4x points	Flights and hotels booked direct with the airline or hotel.
Social media & search advertising	3x points	Social media and search engine advertising.
All other purchases	1x points

Benefits

Key benefits

$300 annual travel credit

Up to $300 in statement credits on travel purchases each anniversary year. Purchases that qualify do not earn points.

Sapphire Reserve Lounge Network

Access to Chase Sapphire Lounge by The Club and 1,300+ Priority Pass airport lounges with up to two guests. Not available to employee cardmembers, though employees may enter as guests of the primary cardmember.

$500 The Edit hotel credit

Up to $500 in automatic statement credits each year for bookings made with The Edit by Chase Travel, capped at $250 per transaction with a two-night minimum.

$400 ZipRecruiter and $200 Google Workspace credits

Up to $400 a year in statement credits on purchases made directly with ZipRecruiter ($200 per half-year) and up to $200 a year on purchases made directly with Google Workspace.

Employee cards at no additional cost

Add employee cards with individual spending limits at no extra annual fee.

Fit

Who this is best for

Businesses that book travel through Chase Travel
Owners who want Ultimate Rewards transfer partners on business spend
Companies that can use the Google Workspace, ZipRecruiter and Lyft credits

FAQ

Frequently asked questions

What is the Chase Sapphire Reserve Business welcome bonus?

Earn 200,000 points after you spend $30,000 on purchases in your first 6 months from account opening.

Does the Chase Sapphire Reserve Business charge an annual fee?

Yes. The annual fee is $795 every year.

Does the Chase Sapphire Reserve Business have a foreign transaction fee?

No. The Chase Sapphire Reserve Business charges no foreign transaction fee, so it works well for international purchases.

What APR does the Chase Sapphire Reserve Business charge?

The purchase APR is 17.74% to 28.49% variable.

Who is the Chase Sapphire Reserve Business best for?

Businesses that book travel through Chase Travel. Owners who want Ultimate Rewards transfer partners on business spend. Companies that can use the Google Workspace, ZipRecruiter and Lyft credits.

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