Link: Learn more about the Sapphire Reserve for Business℠
Details of the Chase Sapphire Reserve for Business
The Chase Sapphire Reserve for Business is Chase’s newest premium business card, which opened to applications as of June 23, 2025. This card has the same fundamental value proposition of the updated personal version of the card, with some distinctions, given that this is a business card. Let’s cover all the details, in no particular order.
The card has a welcome bonus of 200k points
The Chase Sapphire Reserve for Business has a limited-time welcome bonus of 200,000 bonus Ultimate Rewards points after spending $30,000 within the first 6 months. While the spending requirement is significant, the welcome offer is equally significant.
I value Ultimate Rewards points at 1.7 cents each, so to me, this welcome bonus is worth $3,400. That’s a great incentive to apply. Note that eligibility for the bonus on this card is unrelated to that of any other Chase card, so you’re eligible for this card (including the bonus) even if you have the personal version.
The card has a $795 annual fee
The Chase Sapphire Reserve for Business has a $795 annual fee, just like the personal version of the card. The difference is that adding authorized users to the card doesn’t cost extra. However, they don’t receive the same perks as the primary cardmember (like lounge access), unlike the personal version of the card.
The card offers valuable lounge access
The Chase Sapphire Reserve for Business offers valuable lounge access perks, including:
- Access to Chase Sapphire Lounges, which are some of the best credit card lounges you’ll find
- A Priority Pass™ membership, including guesting privileges
The card offers 1-8x points per dollar spent
The Chase Sapphire Reserve for Business has a rewards structure that’s similar to the personal version of the card, but not quite the same. Specifically, the card offers the following Ultimate Rewards bonus categories:
- 8x points on all purchases through Chase Travel℠
- 5x points on Lyft purchases through September 30, 2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made via social media sites and search engines on up to $1 million in spend each anniversary year, starting 11/15/26
- 1x points on all other purchases
That’s a pretty lucrative and well-rounded rewards structure, if you ask me. Ultimate Rewards points can either be transferred to airline and hotel partners, or be redeemed through Chase Travel toward a travel purchase, with the new Points Boost feature.
The card has no foreign transaction fees, and there are two options in terms of credit limits. Cardholders can either get access to a flexible credit line with a pay in full requirement, or they can receive a credit line that allows them to pay for purchases over time with interest.
The card offers valuable credits & benefits
The Chase Sapphire Reserve for Business offers a variety of credits that can help offset the annual fee. These include the following:
- Up to $500 in hotel credits per year for The Edit by Chase Travel, in the form of a $250 credit semi-annually; this applies to hotel bookings that are a minimum of two nights
- Up to $400 in ZipRecruiter credits per year, in the form of a $200 credit semi-annually
- Up to $300 in annual travel credits, just like on the personal version of the card, which is super easy to use
- Up to $200 in Google Workspace credit per year, for purchases made directly with Google for Workspace and AI tools for business
- Up to $120 in Global Entry, TSA PreCheck, or NEXUS credits, every four years
- Up to $100 in Giftcards.com credits per year, in the form of a $50 credit semi-annually, for gift card purchases made through this link
The card offers benefits for spending $120,000 annually
The Chase Sapphire Reserve for Business offers additional benefits for those who spend at least $120,000 per year on the card. Specifically, the card offers the following:
- IHG One Rewards Diamond status, which is IHG’s top tier status, offering perks like complimentary breakfast, room upgrades, and more
- Southwest Rapid Rewards A-List status, offering perks ranging from priority seating to free checked bags
- A $500 Southwest credit, for flights booked via Chase Travel
- A $500 Shops at Chase credit, valid for purchases with select brands, including Baccarat, Bang & Olufsen, Breitling, Tumi, and more
My take on the Chase Sapphire Reserve for Business Card
I’m excited to see Chase with a premium business card, as this seems like it has been a major hole in the bank’s card portfolio. Odds are that most people will feel similarly about the refreshed personal version of the card as they do about the new Chase Sapphire Reserve for Business, for better or worse.
With that in mind, here are a few thoughts:
- I’d really consider this card to cost $495 per year to hold onto, given that the $300 annual travel credit is more or less good as cash
- The rewards structure is great, for the most part, among the best you’ll find on any business card, especially given the lack of caps on bonus categories
- Many people will value the lounge access opportunities, though admittedly, there’s quite a bit of overlap there if you also have the personal version of the card
- Like so many premium cards nowadays, if you’re willing to put in the effort, there’s big value to be had, though this card definitely has quite a few hoops you have to jump through
Just to briefly summarize some of the key differences between the refreshed personal and business version of the card:
- The personal card has a $195 authorized user fee, while the business card has no authorized user fee
- The personal card offers 3x points on dining, while the business card offers 3x points on select advertising purchases
- The exact credits offered by the cards differ, with the personal version having a different focus with the credits than the business card
- The personal card offers additional perks for spending $75,000 per year, while the business card offers additional perks for spending $120,000
Bottom line
The Chase Sapphire Reserve for Business offers valuable perks, like lounge access, great bonus categories, and lots of credits. Some people will find this card to be a no brainer, while others will probably look elsewhere.
What do you make of the new Chase Sapphire Reserve for Business?
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