The Sapphire Reserve for Business℠ is Chase's brand-new flagship business travel credit card, designed specifically for business owners who want premium travel experiences and big rewards.
This card brings the best of Sapphire Reserve benefits to the business market with over $2,500 in annual value.
As Chase's first premium travel-focused credit card for businesses, the Reserve for Business offers a ton of business and travel value, such as merchant credits for ZipRecruiter and Google Workspace, lounge access, and travel insurance protections.
Sapphire Reserve for Business℠
Rewards Rate
- 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities, and tours
- 5x total points on Lyft rides (through 9/30/27)
- 4x points on flights and hotels booked direct
- 3x points on social media and search engine advertising
- 1x points on all other purchases
Welcome Offer
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
Annual Fee
$795
Overview of the Sapphire Reserve for Business℠
The Sapphire Reserve for Business℠ is the top-tier business travel rewards card from Chase, designed for business owners who want to elevate their travel experience with premium perks and rewards.
While the card does have a high annual fee, it’s an approachable option for any business owner, thanks to over $2,500 in annual value through business services, travel benefits, and credits.
Built on the Visa Infinite network, the card features a comprehensive suite of travel protections, including baggage delay coverage, trip delay/cancellation coverage, and auto rental coverage.
The new “Points Boost” program allows redemption at up to 2x value on rotating offers through Chase Travel℠. You can also transfer points to travel partners like Hyatt, Marriott, Southwest Airlines, and British Airways for potentially even greater value.
Pros
- Over $2,500 in annual business value through credits and benefits
- Points Boost program for enhanced redemption value
- Comprehensive business service credits
- Global lounge access for primary cardmember plus two guests
- No employee card fees
Cons
- High annual fee for a business card
- Premium benefits require high spending thresholds
- Limited to businesses that can maximize travel and service credits
Redeeming Rewards
The Sapphire Reserve for Business℠ uses Chase Ultimate Rewards®, one of the best travel rewards programs available.
Here are the ways you can redeem:
Points Boost: Accelerated points redemption program
The standout feature is Points Boost, a new redemption program that allows you to redeem Ultimate Rewards® points at up to 2x value on rotating offers through Chase Travel℠.
Plus, some boutique hotels and specific flight routes can’t be booked with transferred points, so getting better value directly through Chase Travel℠ opens up more travel choices.
Points Boost applies to:
- Premium air cabin tickets
- Select hotels including The Edit℠ collection
- Thousands of hotels and flights with select airlines
For Chase Travel℠ purchases not eligible for Points Boost offers, points redeem at a 1:1 rate.
Chase Travel℠
Through Chase Travel℠, you can redeem points for:
- Flights, hotels, car rentals, and business travel experiences
- Statement credits and gift cards
- The Edit℠ collection access (which you also get a $500 annual credit for)
Transfer partners
Chase partners with 14 different loyalty programs, allowing you to transfer points directly for potentially higher value redemptions:
Airlines:
- Aer Lingus
- Air Canada
- Air France KLM
- British Airways
- Emirates
- Iberia
- JetBlue
- Singapore Airlines
- Southwest Airlines
- United Airlines
- Virgin Atlantic
Hotels:
- Hyatt
- IHG Hotels & Resorts
- Marriott Bonvoy
The best redemption partners often include Hyatt Hotels for luxury business travel, British Airways for short-haul flights, and Southwest Airlines for domestic business trips.
Business Travel Benefits
The Sapphire Reserve for Business℠ comes with premium benefits for business travel:
Travel credits and benefits
- $300 annual travel credit: A flexible, flat credit available for any travel purchases outside of Chase Travel℠
- $500 annual The Edit℠ credit: Access to a collection of over 1,100 hand-picked hotels and resorts bookable through Chase Travel℠
- Up to $120 Global Entry/TSA PreCheck®/Nexus credit every four years
- Complimentary IHG One Rewards Platinum Elite Status
Lounge access
Primary cardmembers receive access to:
- Chase Sapphire Lounge® by The Club network across major U.S. airports
- Over 1,300 lounges worldwide with Priority Pass™ Select
- Ability to bring two guests per visit
Travel protections
The card comes with a comprehensive suite of travel protections, including:
- Primary car insurance coverage
- Trip cancellation and interruption coverage
- Baggage delay protection
- Trip delay coverage
Business Service Credits
The card also features substantial annual credits for business services:
- $400 ZipRecruiter credit for hiring efforts
- $200 Google Workspace credit toward AI tools and productivity services
- $100 Giftcards.com credit that you can use for employee recognition
- $300 annually in DoorDash promotions plus a complimentary DashPass membership worth $120 annually
- $120 annual Lyft credits (up to $10 monthly) plus 5x total points on eligible Lyft rides
Premium Spending Tier Benefits
After spending $120,000 each calendar year, cardmembers unlock additional premium benefits:
- IHG One Rewards Diamond Elite Status
- Southwest Airlines A-List Status
- $500 Southwest Airlines credit when booked through Chase Travel℠
- $500 credit to The Shops at Chase (an exclusive online shopping portal with brands like Dyson, Sony, Therabody, and Tumi)
Business Banking Integration
The card offers two payment options:
- High spending Pay-in-Full limit for large business expenses
- Flex for Business credit line allowing payments over time with interest
Purchases on the card are automatically assigned to your Flex for Business balance until you reach your limit. But if you need to make more purchases beyond that (or a large purchase that exceeds your limit), you still can — those additional purchases will be charged to your Pay-in-Full balance.
The card also integrates with Chase business banking services.
Who Should Get the Sapphire Reserve for Business℠?
The Chase Sapphire Reserve for Business℠ is ideal for:
- Frequent business travelers who can maximize travel credits and lounge access
- Growing businesses that can benefit from recruitment, technology, and service credits
- High-spending businesses that can reach the $120,000 threshold for premium benefits
- Business owners who value premium travel experiences and comprehensive protections
- Companies with advertising spend on social media and search engines
Who Shouldn't Get the Sapphire Reserve for Business℠?
This card may not be suitable for:
- Small businesses with minimal travel that won't use the extensive travel benefits
- Companies unwilling to pay the high annual fee
- Businesses that can't maximize the service credits and travel benefits
- Simple business banking needs that don't require premium travel rewards
Alternatives to the Sapphire Reserve for Business℠
Ink Business Preferred® Credit Card
Rewards Rate
- 3x points on every dollar spent on shipping, advertising with social media and search engines, internet, cable, phone, and travel — up to the first $150,000 spent in combined purchases in these categories
- 1x per dollar spent everywhere else
Welcome Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months
Annual Fee
$95
The Ink Business Preferred® Credit Card comes with a much lower fee than the Sapphire Reserve for Business℠, but still has strong Ultimate Rewards® earning potential.
It’s a good pick for businesses that want access to Chase points, but don’t necessarily need the premium travel benefits.
Ink Business Cash® Credit Card
Rewards Rate
- 5% cashback on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% on everything else (unlimitied)
Welcome Offer
Earn up to $750 bonus cashback: $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 in the first 6 months after account opening
Annual Fee
$0
With no annual fee and a simple cashback structure, the Ink Business Cash® Credit Card is a better option for businesses that prefer straight-up cash over travel rewards.
Chase Sapphire Reserve®
Rewards Rate
- 8x points on all purchases through Chase Travel℠, including The Edit℠
- 4x points on flights and hotels booked direct
- 3x points on dining worldwide
- 1x points on all other purchases
Welcome Offer
Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
The Chase Sapphire Reserve® has similar benefits to the Sapphire Reserve for Business℠, but for personal use. You get over $2,700 in annual value through travel credits and perks.
If you’re a business owner who’d rather use a personal travel card than a business-specific one, this is a better option.
FAQs
Is the Chase Sapphire Reserve for Business℠ worth it?
The card targets business owners who travel frequently and can maximize its extensive benefits. With over $2,500 in annual value, it can easily justify the fee for the right business.
How much do you need to spend to maximize value?
While there's no minimum spending requirement, businesses that can reach $120,000 annually unlock additional premium benefits. The key is to use the various service credits and travel benefits.
What makes this different from the personal Sapphire Reserve?
The business version includes specific business service credits (ZipRecruiter, Google Workspace, Giftcards.com, etc.), plus an advertising bonus category and business banking integration. This is all in addition to the core travel benefits you’d get with the personal Sapphire Reserve.
Are employee cards really free?
Yes, unlike many premium business cards, employee cards have no annual fee, making the Sapphire Reserve cost-effective for businesses with multiple travelers.
Bottom Line
Chase's Sapphire Reserve for Business℠ sets a new standard for premium business credit cards, offering over $2,500 in annual value through a comprehensive mix of travel benefits and business service credits.
The new Points Boost program and extensive lounge access make it particularly attractive for business travelers.
While the annual fee is substantial, businesses that can maximize the travel benefits, service credits, and redemptions will find exceptional value. The card is especially compelling for growing businesses that can benefit from the recruitment and technology credits.
For business owners who demand premium travel experiences, the Sapphire Reserve for Business℠ delivers unmatched value in the premium business card market.
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Disclosure: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
