115,000 Points
Worth $1,610
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
- 1.4%Everywhere
Annual Fee
$195
Rec. Credit
Excellent
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.

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

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
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
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.
Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
Lyft Rides
Flights (Booked Direct), Hotels (Booked Direct)
Social Media & Search Engine Advertising
Up to $1,000,000 spend per year
All Other Purchases
Rewards percent based on a valuation of 1.5¢ per Ultimate Rewards point
Annual Credits & Perks
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.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
ZipRecruiter CreditBenefits
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
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
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
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
Annual Fee
$795
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$15
Late Payment
None
Questions
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.
115,000 Points
Worth $1,610
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$195
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,500
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,500
After you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good