Sapphire Reserve for Business℠ Review [2025]: Points for Teams Who Travel

Card basics

Who should get the Chase Sapphire Reserve for Business?

If you're an entrepreneur and any of the statements below describe your team, consider applying for the Chase Sapphire Reserve for Business.

Your team travels

You'll get the most bang for your buck with the Chase Sapphire Reserve for Business if you and your employees travel regularly for business purposes. You'll earn a whopping 8x points per dollar on Chase Travel℠ for airline tickets, hotels (including The Edit℠), car rentals, cruises, activities and tours. You can also book your trip with points or transfer your points 1:1 to many airline and hotel loyalty programs. An up to $10 Lyft credit each month helps get you to the airport, where you and two guests will get complimentary access to a network of more than 1,300 airport lounges.

You can skip the long lines thanks to an up to $120 credit for Global Entry, TSA PreCheck, or Nexus. You'll also enjoy premium travel benefits like primary rental insurance coverage and several types of travel insurance coverage. Visa Infinite Concierge can assist you with dinner reservations.

At the end of the year, you'll get an up to $300 statement credit for travel purchases. Bi-annually, you'll also get up to a $250 statement credit for stays at The Edit. And in any year that you spend $120,000 or more with your card, you'll get statement credits for Southwest Airlines, The Shops at Chase, and more.

Check out our guide to the best business credit cards for travel to find other cards that offer premium travel rewards.

Your team loves snacks

The Chase Sapphire Reserve for Business comes with a free DashPass membership, so you can say goodbye to delivery fees. With that membership, you'll also get up to $25 per month to spend on DoorDash — $5 toward a restaurant order and two $10 promos to spend on retail or grocery orders, so you can stock the office with your team's favorite snacks.

Your business thrives with paid advertising

Small businesses spend most of their advertising budgets on digital advertising, according to the Connected Commerce Council. The Chase Sapphire Reserve for Business offers 3x points on social media & search engine advertising. If those channels make up a large portion of your ad spend, you could rack up points fast.

Your business is growing

If you're hiring, you'll get value from the up to $400 in ZipRecruiter credits offered annually with the Chase Sapphire Reserve for Business. You can get employee cards for your new hires at no additional cost and set individual spending limits. You'll also get up to $200 in annual statement credits for Google Workspace credits, so you can use Google's suite of tools to improve workflow efficiency and grow your business. Using your Chase card will also help you build your business credit score, opening up new funding opportunities.

Drawbacks

High annual fee

The Chase Sapphire Reserve for Business costs $795 annually. That fee may be hard to swallow for small businesses, especially considering the Capital One Venture X Business card, for example, has an annual fee of only $395 and includes benefits like a $300 annual travel credit and 2X points on all other purchases.

But Chase's premium business card may be worth the extra cost if you spend a lot on advertising or if you travel with guests and want full use of the airport lounge benefit. (Capital One recently restricted lounge access to primary cardholders only.)

Employee cardholders don't get all the benefits

While you can add employee cardholders at no cost, they won't get the same suite of benefits as a primary cardholder — for example, employees can't access airport lounges unless they're guests of the primary cardholder, and they won't get IHG One Rewards Platinum Elite Status.

Many credits are monthly

Many of the credits you receive with the Chase Sapphire Reserve for Business are issued monthly — if you don't use the credit that month, you lose it. For example, the up to $120 Lyft credit is actually 12 monthly in-app credits worth up to $10. If you don't use rideshare services every month, you'll forfeit some of the credits. And to earn the full DoorDash value of $420 per year, you'll need to place one restaurant order and two non-restaurant orders each month. If you don't regularly order from restaurants and grocery stores, you may be tempted to spend more to earn the full credit.

Many business purchases only earn 1x points

Aside from travel purchases and social media/search advertising spend, all other purchases on your Chase Sapphire Reserve for Business card earn just 1x.

point per dollar. If the majority of your purchases are in other categories like inventory or office supplies, you might benefit more from a business credit card that offers boosted rewards across a wider range of categories.

Sub-limit for carrying a balance

Chase allows you to access only a portion of your credit line for Flex for Business, which is a way to pay for your purchases over time with interest. Any purchases that exceed that limit must be paid in full at the end of the month. This limits the borrowing capacity of a growing business, but it may help keep spending in check.

Sapphire Reserve for Business benefits and perks

Travel credits

• Up to $300 annual statement credit for travel purchases
• Two up to $250 bi-annual credits for prepaid bookings made with The Edit
• Up to $120 fee credit every four years for Global Entry, TSA PreCheck, or NEXUS
• Up to $10 per month in-app Lyft credit, up to $120 annually
• Up to $500 in Southwest Airlines credits when you spend $120,000 or more in a year
• Up to $500 in statement credits for The Shops at Chase when you spend $120,000 or more a year

Business credits

• Up to $200 Google Workspace annual statement credit
• Two up to $200 bi-annual statement credits for ZipRecruiter

Travel benefits

• 1:1 point transfer to airline and hotel partners
• No foreign transaction fees
• IHG One Rewards Platinum Elite Status
• Hertz Gold Plus Rewards benefits
• 30% off Avis base rates and automatic enrollment in Preferred Plus
• 25% off National car rentals and Emerald Club Executive level membership
• Primary auto rental coverage
• Baggage delay insurance
• Emergency evacuation coverage
• Emergency medical and dental coverage
• Lost luggage reimbursement
• Roadside assistance
• Travel accident insurance
• Trip cancellation and interruption insurance
• Trip delay reimbursement

$100 gift card credit

Choose from a curated collection of gift cards and receive up to $100 in annual statement credits — $50 for gift cards purchased between January and June and $50 for gift cards purchased between July and December.

Purchase protection

The Chase Sapphire Reserve for Business offers a number of features designed to protect your purchases. These include:

• 120 days of theft or damage coverage up to $10,000 per item for new purchases
• Limited reimbursement for items ineligible for returns
• Cell phone protection when you pay your monthly bill with your card
• Extended warranty protection up to four years on eligible warrantied products

Earning and redeeming Chase Ultimate Rewards Points

Potential earnings in years one and two

Here's a look at how your Chase Ultimate Rewards points can add up with the Chase Sapphire Reserve for Business. To calculate these values, we used a point valuation of 0.01 cents per mile.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $1,052

Year two earnings: $1,052

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model, which takes a look at points earned via spending, the welcome bonus, and the annual fee.

Best ways to earn

You'll rack up points faster if you or your employees spend money in the categories below.

Maximizing your redemptions

Your points will stretch further if you take advantage of the Points Boost redemption program from Chase. If you redeem your Chase Ultimate Rewards points for rotating offers on Chase Travel — which may include premium airline tickets and select hotel bookings, including the 1,100 curated hotels and resorts in The Edit collection — your points could be worth up to double their typical value.

Chase Sapphire Reserve for Business transfer partners

Your points may also be worth more if you transfer them to one of Chase's travel partners. Ultimate Rewards points transfer to the following partner loyalty programs at a 1:1 ratio.

• Aer Lingus AerClub
• British Airways Executive Club
• Emirates Skywards
• Air France KLM Flying Blue
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virgin Atlantic Flying Club
• Air Canada Aeroplan
• IHG One Rewards Club
• Marriott Bonvoy
• World of Hyatt

When you book some airline tickets, particularly premium seats, and hotel bookings via the travel partner's loyalty program, you can get more bang for your buck than a regular cash redemption.

Chase's list of travel partners is more comprehensive than some competitor cards and includes major U.S. airlines like Southwest and United. For example, while Capital One points transfer at a 1:1 ratio to several international airlines, the only direct transfer you can make to a major U.S. airline is a 5:3 points transfer to JetBlue TrueBlue.

Other cards to consider

The Chase Sapphire Reserve for Business may not be the right card for every business owner, especially considering the steep annual fee. Before you apply for one, consider whether one of the following credit cards would benefit you more.

Ink Business Preferred^® Credit Card

The Chase Ink Business Preferred card is a great choice for small online retail businesses. It earns 3X points on first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

Small businesses that spend more than that may benefit from pairing this card with the Chase Sapphire Reserve for Business — you can combine Ultimate Rewards points from multiple Chase credit cards. The Chase Ink Business Preferred card has an annual fee of just $95 per year and allows 1:1 point transfers to Chase travel partners and employee cards at no additional cost.

Learn more in our Chase Ink Business Preferred review.

The Business Platinum Card^® from American Express

The Business Platinum Card from American Express offers 1.5X points on an array of categories that may appeal to small businesses: purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and on each eligible purchase of $5,000 or more (up to $2 million per year, then 1X) — in addition to 5X points on flights and prepaid hotels booked on AmexTravel.com.

The annual fee is steep at $695, but you'll also get over $1,000 in statement credits. However, the credits are less flexible than with the Sapphire Reserve. For example, you can get up to $200 in Hilton statement credits and a $200 airline credit that only apply to incidental fees at one airline. The card comes with a generous bonus similar to the Sapphire Reserve in value.

Learn more in our The Business Platinum Card^® from American Express review.

FAQs

Bottom line

The Chase Sapphire Reserve for Business is a great option for business owners who spend enough on travel and advertising to justify the $795 annual fee.

It offers a comprehensive suite of travel benefits like annual statement credits and lounge access. It is more flexible in earnings and redemptions than many competing business credit cards for travel, but it may not be the best option for some businesses, including those with smaller budgets or large expenses in other categories.

For more options, check out our list of the best small business credit cards to find one that's right for you.

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Rates and fees

Current Offer

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening

Annual Fee

$95

Rewards Rate

3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases

Benefits and Drawbacks

Benefits

• Generous welcome offer
• High rewards rate on common business expenses
• Flexible Ultimate Rewards points
• No foreign transaction fees
• Cell phone, purchase, and travel protections

Drawbacks

• Annual fee of $95
• $150,000 annual cap on bonus category spending
• No intro APR offer

Card Details

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC