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  1. Credit Cards
  2. Sapphire Reserve for Business℠
Chase

Sapphire Reserve for Business℠

Built for high-spending business owners and frequent corporate travelers, the Chase Sapphire Reserve for Business combines lucrative rewards on direct travel and digital advertising with premium travel perks. It functions as a powerful specialist card for companies that can comfortably leverage its high-value credits and strong earn rates to offset the annual fee.

Welcome Offer
Limited Time Offer: Earn 200,000 bonus points
Annual Fee
$795
Rec. Credit Score
Good
Good For
Premium business travel and ad spend
Learn MoreEstimate your value
Sapphire Reserve for Business℠

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Sapphire Reserve for Business℠ worth it?

This card is great for...

Direct flight and hotel bookings

Digital advertising spend

Luxury hotel and travel credits

With a $795 annual fee, this card makes the most sense for established businesses with substantial travel budgets and significant digital marketing expenses. Between the $300 annual travel credit, up to $500 in credits for prepaid stays with The Edit, and $250 for select Chase Travel hotel stays, frequent travel bookers can easily recover the cost of membership before factoring in point earnings.

Companies that run large ad campaigns will also find strong value in earning 3x points on social media and search engine advertising on up to $1 million in annual spend. However, smaller operations or businesses with modest travel routines may find the steep upfront fee and large welcome offer spend requirement difficult to justify compared to lower-cost business cards.

MaxRewards

MaxRewards Verdict

This card delivers top-tier value for established businesses that spend heavily on digital marketing and corporate travel, though lower-spend companies may struggle to unlock enough value to justify the $795 annual fee.

Welcome Offer

Earn 200,000 bonus points

Limited Time Offer

after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

Est. Value

$3,000

Required Spend

$30,000

Time Frame

6 Months

Est. Value

$3,000

Required Spend

$30,000

Time Frame

6 Months

Earning

Rewards

You earn flexible Ultimate Rewards points that carry strong value when redeemed for travel or transferred to Chase airline and hotel partners. The earning structure focuses heavily on business travel and digital ad campaigns, giving high spenders a fast track to substantial point balances.

CategoryRate

Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)

12%

Lyft Rides

7.5%

Flights (Booked Direct), Hotels (Booked Direct)

6%

Social Media & Search Engine Advertising

Up to $1,000,000 spend per year

4.5%

All Other Purchases

1.5%

Rewards percent based on a valuation of 1.5¢ per Ultimate Rewards point

Annual Credits & Perks

Benefits

A suite of annual statement credits for travel, hotel stays, and business services helps lower the net cost of the $795 annual fee, complemented by premium travel insurance and airport lounge privileges.

BenefitAnnual value
$1,000
$400
$300
$300
$250
$120
$100
$30

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Sapphire Reserve for Business℠ZipRecruiter Credit
Autotracked
$0 of $200Every 6 months

Benefits

Insurance

Lost Luggage Reimbursement

Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.


Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.


Return Protection

You can be reimbursed for eligible items that the store won’t accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.


Roadside Assistance

If you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith, or gas. You’re covered up to $50 per incident 4 times a year.


Trip Cancellation and Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather, or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Benefits

Status & Access

Complimentary DashPass Membership

With DashPass, save on delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.


IHG Platinum Base Status

Get complimentary IHG One Rewards Platinum Elite status with your Sapphire Reserve for Business card through December 31, 2027.​.


Complimentary Airport Lounge Access


Special Car Rental Privileges

Enroll in leading car rental rewards programs from National Car Rental, Avis, and Hertz. Enjoy enhanced benefits, such as upgrades and car rental discounts, savings on luxury a premium rental car rates, plus promotions and other offers.

Benefits

Other

The Reserve Suites at LGA

Chase Sapphire Reserve®, J.P. Morgan Reserve cardmembers and authorized users can relax and indulge privately before their flight in a Reserve Suite in the Sapphire Lounge by The Club at LaGuardia Airport Terminal B.


Sapphire Reserve Exclusive Tables

Access Chase Sapphire Reserve Exclusive Tables to get primetime reservations at hard-to-book restaurants on OpenTable.


The Edit by Chase Travel

Enjoy special benefits at a variety of hand-selected top hotels and resorts worldwide, such as: complimentary room upgrades, complimentary meals for you and a guest, early check-in and late check-out, special discounts and credits, extra amenities, gifts and more.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$795

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$15

Late Payment

None

For rates and fees of Sapphire Reserve for Business℠, please visit the Chase website.

Questions

Frequently Asked Questions

Yes, which means you're unlikely to be approved if you've opened five or more credit cards across any issuer in the past 24 months. This is one of the most important eligibility factors to check before applying, since Chase typically declines applications automatically if you're over the limit regardless of your credit score or income.

Points Boost is a Chase feature that lets you to redeem your Ultimate Rewards points at up to 2 cents each for select flights and hotels booked through Chase Travel, which is double the standard 1 cent per point redemption rate. The boosted rate applies to specific hotels and flights selected by Chase, so not every booking will qualify. For businesses that prefer redeeming points through the Chase Travel portal, Points Boost can significantly increase the value of earned points.

Cardholders get access to the Chase Sapphire Lounge by The Club network, on top of over 1,300 Priority Pass Select lounges worldwide. Primary cardholders can bring up to two guests into lounges at no charge, which is a notable advantage over competing premium business cards that have recently limited guest access. The card also includes access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe.

Both cards share the same $795 annual fee, lounge access benefits, and $300 annual travel credit. The key differences come down to earning categories and statement credits. The personal card earns 3x on dining and offers lifestyle-focused credits for things like streaming services, DoorDash, and Peloton. The business card replaces dining rewards with 3x on social media and search engine advertising, making it a stronger option for businesses with significant marketing spend. The business card's credits are also geared toward business tools like Google Workspace and ZipRecruiter rather than the consumer-focused perks on the personal card.

Table of Contents

Sapphire Reserve for Business℠

Sapphire Reserve for Business℠

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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Annual Fee

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Rec. Credit

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