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Earn 150,000 bonus points after spending $20,000 on purchases in your first 3 months from account opening.
Full benefits & perks
- $300 annual travel credit which applies to a wide range of travel purchases
- $500 in annual statement credits for stays booked through The Edit (Chase Travel's curated hotel collection, up to $250 per transaction, 2-night minimum)
- $250 credit for select Chase Travel hotel stays through 12/31/26 (IHG, Montage, Pendry, Omni, Virgin Hotels, and more)
- Complimentary access to Chase Sapphire Lounges by The Club plus 1,300+ Priority Pass lounges worldwide with up to 2 guests
- $420 in DoorDash value: complimentary DashPass membership ($120 value) plus up to $300 in monthly DoorDash promos through 12/31/27
- $200 annual Google Workspace credit
- $400 annual ZipRecruiter credit - $200 Jan through June and $200 July through Dec
- Complimentary IHG One Rewards Platinum Elite status through 12/31/27
- Up to $120 Global Entry, TSA PreCheck, or NEXUS fee credit every 4 years
- Employee cards at no additional cost
- No foreign transaction fees
- Comprehensive travel protections: trip delay, trip cancellation, baggage delay, and auto rental coverage
My thoughts
This card is a lot, but in the very best way. The Sapphire Reserve for Business launched alongside the revamped personal version, and it's clearly built for people who travel regularly and want their everyday spending to actually work for them. The $795 annual fee sounds steep, but when you add up the $300 travel credit, the $500 Edit credit, the DoorDash perks, Google Workspace, and ZipRecruiter credits, you're looking at well over $1,500 in potential value before you even board a plane. The lounge access alone, which includes Chase Sapphire Lounges plus Priority Pass for you and two guests, is a perk that makes airports genuinely enjoyable. The 4x on direct flights and hotels is strong for a business card, and the 3x on digital advertising is a nice option for anyone running paid ads for their business. One thing to note: this is a pay-in-full card, meaning you're expected to pay your balance in full each month. If you're looking for a revolving credit line, this isn't it. But if you're someone who travels and spends a lot, this card is hard to beat.
How to use your points
Points earned go into your Chase Ultimate Rewards account — one of my favorite points currencies. Here's how to use them:
- Book through Chase Travel and get up to 50% more value — 150,000 points is worth $3,000 toward select flights and hotels
- Transfer to Chase's airline and hotel partners like United, Hyatt, Southwest, and more for potentially even higher value — See all transfer partners
- Hyatt is one of the best transfer partners — points go especially far at luxury properties where cash rates are high — Learn more about Hyatt
- Pool points with other Chase points-earning cards to build your stash and maximize redemptions
Here's a quick summary of what you're getting with the Sapphire Reserve for Business Card:
- $795 annual fee
- 150,000 bonus points welcome offer after $20,000 spend in 3 months
- 8x points on Chase Travel purchases, 4x on direct flights and hotels
- $300 flexible annual travel credit
- $500 annual credit for stays with The Edit
- Chase Sapphire Lounge + Priority Pass access with 2 guests
- Over $1,000 in additional annual business credits
- Complimentary IHG Platinum Elite status through 12/31/27
- Employee cards at no additional cost
- No foreign transaction fees
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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.