The Chase Sapphire Reserve for Business™️ Card is the newest card in the Sapphire family, and right now it’s sitting at its all-time high welcome offer. It’s a premium card with a premium price tag, but for the right person the value is genuinely hard to beat.

Here’s everything you need to know.

Also looking for info on the personal Chase Sapphire Reserve? I have a full review of that card, too.

<<All information about the Chase Sapphire Reserve for Business™️ Card has been collected independently by The Traveling Hansens. The card details on this page have not been reviewed or provided by the card issuer.>>

Card Details

Card Benefits

• $300 annual travel credit — applies automatically to any travel purchases
• $500 annual hotel credit through The Edit — split into two $250 credits for stays at Chase’s curated collection of luxury hotels
• $250 credit for select Chase Travel hotel stays through 12/31/26 — eligible properties include IHG, Montage, Pendry, Omni, and Virgin Hotels
• $300 in DoorDash credits — $25 per month
• $120 annual Lyft credit — $10 per month through Sept. 30, 2027
• $120 DashPass membership
• $120 Global Entry, TSA PreCheck, or NEXUS credit
• $400 annual ZipRecruiter credit — $200 January through June, $200 July through December
• $200 Google Workspace credit
• $100 in gift card credits — $50 January through June, $50 July through December
• Airport lounge access — Priority Pass plus Chase Sapphire Lounges for cardholder and two guests
• IHG Platinum Elite status through December 2027
• Trip cancellation, auto rental collision damage waiver, lost luggage insurance, and more
• No foreign transaction fees

The annual fee is a lot, but even using a handful of the bigger credits more than covers it for most people.

Earning Rates

• 8x points on Chase Travel purchases
• 4x on flights and hotels booked direct
• 3x on social media and search engine advertising
• 5x on Lyft rides through September 30, 2027
• 1x on everything else

Transfer Partners

The Sapphire Reserve for Business earns Chase Ultimate Rewards® and has access to all 14 of Chase’s airline and hotel transfer partners. Points transfer at a 1:1 in increments of 1,000.

• Aer Lingus
• Air Canada
• Air France-KLM Flying Blue
• British Airways
• Emirates
• Iberia
• JetBlue
• Singapore
• Southwest
• United
• Virgin Atlantic
• Hyatt
• IHG
• Marriott

The Hyatt Transfer Ratio

This is worth calling out specifically right now. The Sapphire Reserve for Business still transfers to Hyatt at 1:1, while the Chase Sapphire Preferred® Card and the Ink Business Preferred® Credit Card are moving to a 4:3 ratio. If you’re a Hyatt loyalist and want to protect your transfer ratio over the long term, this card (or the personal version) is your answer.

How to Transfer Your Points

Log in to your Chase account, choose your card, and click on your Ultimate Rewards and hit “redeem.”

Click the three dots, then click “travel” and select “transfer points to partners.”

Next, choose your partner, confirm your loyalty account information, enter the number of points you’d like to transfer in increments of 1,000, and hit submit.

Transfers are generally instant. One important note — do not transfer points until you have confirmed available award space. Once transferred, points are stuck in that program.

Other Ways to Use Points

Transferring to travel partners is the best way to maximize value, but there are a few other options:

• Book flights, hotels, and more through Chase Travel™️
• Cash out your points to cover expenses
• Combine your points with one other family member in your household. Call Chase first to link your accounts, then you can combine them online anytime.

Eligibility

Previously, you could earn the bonus on each Sapphire card once every 48 months. Now you can only earn the bonus once per card. You can earn the bonus on all three Sapphire cards and hold them at the same time.

Chase also says that people applying through most channels will be notified during the application process if they are not eligible for a bonus offer and given the choice to continue or cancel with no impact to their credit score.

These cards are also subject to Chase’s 5/24 rule, so you must be under 5/24 to qualify; however, it won’t count against your 5/24 number since it’s a business card.

Who Should Apply for the Chase Sapphire Reserve for Business

This card is for frequent travelers who spend heavily and want premium perks. If you can hit the spending requirement, the big bonus is well worth it. Add in the ongoing credits and lounge access, and this card pays for itself many times over for the right person.

It’s not the right fit if the big spending requirement feels like a stretch. In that case, the no-fee Ink cards are better starting points.

Wrapping Up

The Chase Sapphire Reserve for Business™️ Card is one of the best premium business cards available, especially with the welcome offer back at its all-time high. If you travel regularly, have meaningful business expenses, and want lounge access and top-tier transfer partners, this card deserves a serious look.

Also considering the personal version? Check out my full review of the Chase Sapphire Reserve.