Sapphire Reserve for Business
Chase$795 a yearVisa InfiniteNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
200,000points
after $30,000 in purchases in the first 6 months
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus200,000 points at 1.5¢ | $3,000 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$100 |
| Credits you'll likely useof $1,130 face value | +$580 |
| Annual fee | −$795 |
| Meeting the $30,000 minimumearns 1.5% here vs 2% on Double Cash | −$150 |
| First year | $2,735 |
| Each year after | +$602 |
Not counted in the first year: lounge access, status and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 8X | Travel booked through Chase Travel | 12% |
| 4X | Flights booked directly with airlines | 6% |
| 4X | Hotels booked directly with hotels | 6% |
| 5X | Lyftthrough 9/30/2027 | 7.5% |
| 1X | Everything else | 1.5% |
+ 2 more rates
| Rate | Category | Return |
|---|---|---|
| 3X | Search engine advertising | 4.5% |
| 3X | Social media advertising | 4.5% |
Noteworthy perks
- The Edit by Chase Travel$500 a year
- Travel$300 a year
- Chase Sapphire Lounge
- IHG One Rewards Platinum (enrollment required)
Business card · Earns Chase Ultimate Rewards · Authorized user fee $0
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (11)
- Travel: $300 (Annual Cardmember Year)
Automatic statement credits for travel purchases each account anniversary year
- ZipRecruiter: $200 (Semi Annual Calendar Year)
Cardmembers can earn up to $200 in statement credits on purchases made directly with ZipRecruiter from January through June and again from July through December, through 12/31/2027.
- Google Workspace: $200 (Annual Calendar Year)
Statement credits for purchases made directly on Google Workspace, through 12/31/2027.
- Giftcards.com: $50 (Semi Annual Calendar Year)
Earn up to $50 in statement credits from January to June and again from July to December when purchasing gift cards from a curated collection of notable brands on giftcards.com/reservebusiness, October 31, 2028
- Lyft: $10 (Monthly)
Up to $10 in monthly in-app credits through 9/30/2027
- The Edit by Chase Travel: $500 (Annual Calendar Year)
Beginning January 1, 2026 get up to $250 in statement credit for a prepaid 2+ night hotel booking through The Edit, twice per year, for a maximum of $500 annually. Purchases that qualify will not earn points.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Chase Travel Hotel (2026): $250 (One Time)
From January 1, 2026, through the end of the year, cardholders will get up to $250 in statement credits for prepaid bookings through Chase Travel for select hotel chains (IHG Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Pendry Hotels & Resorts, Montage Hotels & Resorts, Minor Hotels, Pan Pacific Hotels & Resorts). A minimum stay of two nights is required.
- DoorDash Grocery/Retail #1 coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
First of 2 monthly coupons on non-restaurant DoorDash orders with DashPass (activate DashPass with the card by 12/31/27; the coupons continue while you remain enrolled in the card's DashPass membership, complimentary for at least 12 months)
- DoorDash Grocery/Retail #2 coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Second of 2 monthly coupons on non-restaurant DoorDash orders with DashPass (activate DashPass with the card by 12/31/27; the coupons continue while you remain enrolled in the card's DashPass membership, complimentary for at least 12 months)
- DoorDash coupon: $5 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on one restaurant DoorDash order with DashPass (activate DashPass with the card by 12/31/27; the coupon continues while you remain enrolled in DashPass; the card's DashPass is complimentary for at least 12 months)
Lounge Access (3)
- Priority Pass Select (Unlimited): 2 free guests, paid guests allowed
- Chase Sapphire Lounge (Unlimited): 2 free guests, paid guests allowed
- Air Canada Maple Leaf Lounge (Unlimited): 1 free guest, paid guests allowed
Elite status (6)
- IHG One Rewards: Platinum
- IHG One Rewards: Diamond
- World of Hyatt: Explorist
- Southwest Rapid Rewards: A-List
- Avis Preferred: Preferred Plus
- National Emerald Club: Executive
Protections (13)
- Baggage Delay, up to $500, Up to $100 per day for up to 5 days when bags delayed 6+ hours. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Travel Accident Insurance, up to $1,000,000, Up to $1,000,000 for death/dismemberment on common carrier. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Trip Cancellation/Interruption, up to $10,000, Up to $10,000 per traveler, $20,000 per trip for non-refundable costs. Pay for any part of your trip with your card to be eligible for this benefit.
- Trip Delay, up to $500, Up to $500 per traveler for delays over 6 hours. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Lost Luggage, up to $3,000, Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Emergency Evacuation, up to $100,000, Coverage for emergency medical evacuation costs up to $100,000. Pay for any part of your trip with your card to be eligible for this benefit.
- Emergency Medical/Dental, up to $2,500, Up to $2,500 for emergency medical and dental expenses. Put any part of common carrier transportation on your card to be eligible for this benefit.
- Purchase Protection, up to $10,000, 120 days coverage for theft/damage/involuntary parting
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original)
- Return Protection, up to $500, Up to $500 per item when retailer won't accept return
- Auto Rental Collision Damage Waiver (primary), up to $75,000, Primary coverage up to $75,000 for rental car damage/theft. For rentals within the United States, coverage is primary only if the rental vehicle is for commercial/business purposes; it is secondary for New York residents with personal auto insurance. Pay for the full cost on your card to be eligible for this benefit.
- Roadside Assistance, up to $50, Up to $50 per incident, max 2 gallon fill up, 4 times per year
- Cell Phone Protection, up to $1,000, Up to $1,000 per claim for cell phone damage or theft when you pay your monthly cell phone bill with your card. Max 3 claims in a 12-month period, $100 deductible per claim. Excludes damage that doesn’t interfere with calls.
Other Perks
- Points worth 2 cents towards qualified Chase Travel bookings
- Points Boost: redeem Ultimate Rewards points for up to 2X value on select hotels and flights through Chase Travel
- Complimentary DoorDash DashPass for at least 12 months (activate by 12/31/2027)
- Big Spend Benefits (after $120K annual spend): $500 credit for The Shops at Chase
- Big Spend Benefits (after $120K annual spend): $500 credit for Southwest Airlines purchases through Chase Travel
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to credit_lineOct 11, 2026
- changed from null to Sapphire Reserve BusinessOct 8, 2026
- changed from null to 30000Aug 13, 2026
- changed from null to 180Aug 13, 2026