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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Chase Sapphire Reserve for Business Card card art
Sapphire Reserve for Business 1 of 1
Comparing 1 card
Chase Sapphire Reserve for Business Card card art
Chase
Sapphire Reserve for Business
Apply Details
Cost and value $795 fee
Annual fee
$795
Credits you can use a year, if you use every one
$2,080
Fee after credits
$1,285 back credits beat the fee
Point value per point or mile
2.05¢ Estimate
Rewards currency
Ultimate Rewards points
Foreign transaction fee
Not confirmed
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 200,000 points, about $4,100
Bonus
200,000 points
Estimated value
$4,100
Spend to earn it less a month is easier
$30,000 in 180 days about $5,000 a month
Earning rates Top rate 8x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Flights
4x about 8.2% back
  • 8x via the issuer portal, about 16.4%
Hotels
4x about 8.2% back
  • 8x via the issuer portal, about 16.4%
Travel (ground only)
1x about 2.0% back, the everything-else rate
  • 8x via the issuer portal, about 16.4%
Advertising
3x about 6.1% back, on up to $1,000,000/yr
Everything else
1x about 2.0% back
Only on this card
  • 5x Transit and rideshare
Statement credits $2,080 a year
Trusted traveler
  • $120 every 4 years
    What counts

    Receive one statement credit of up to $120 every four years as reimbursement for Global Entry, TSA PreCheck, or NEXUS application fee.

Rideshare
  • $120 a year $10 every month
    What counts

    Up to $10 in monthly in-app Lyft credits, up to $120 annually, through 9/30/27.

Dining and delivery
  • $60 a year $5 every month
    What counts

    $5 monthly promo to spend on restaurant orders.

Travel booking
  • $300 a year resets every card anniversary
    What counts

    Receive up to $300 in statement credits each anniversary year on travel purchases.

  • $250 a year resets every year
    What counts

    Up to $250 in statement credits through 12/31/26 on prepaid Chase Travel hotel bookings (2-night minimum) with IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels, and Pan Pacific.

Shopping
  • $120 a year $10 every month
    What counts

    Two $10 monthly promos to save on groceries, retail orders, and more.

Other credits
  • $500 a year resets every year
    What counts

    Up to $500 in automatic statement credits annually for bookings made with The Edit (2-night minimum), max $250 per transaction.

  • $400 a year $200 every 6 months
    What counts

    Up to $400 in annual statement credits on ZipRecruiter purchases through 12/31/27, split $200 Jan-Jun and $200 Jul-Dec.

  • $200 a year resets every year
    What counts

    Up to $200 in annual statement credits on purchases made directly with Google Workspace through 12/31/27.

  • $100 a year $50 every 6 months
    What counts

    Up to $50 in statement credits January through June and up to $50 July through December ($100 a year) when purchasing gift cards from a curated collection on giftcards.com/reservebusiness, through 10/31/28.

Monthly credits to track fewer is less work
3
Transfer partners 14 partners
Partners
14
Alliance reach
Oneworld, SkyTeam, and Star Alliance
Aer Lingus AerClub
1:1
Air Canada Aeroplan
1:1
Air France-KLM Flying Blue
1:1
British Airways Club
1:1
IHG One Rewards
1:1
Iberia Club
1:1
JetBlue TrueBlue
1:1
Marriott Bonvoy
1:1
Singapore Airlines KrisFlyer
1:1
Southwest Rapid Rewards
1:1
United MileagePlus
1:1
Virgin Atlantic Flying Club
1:1
World of Hyatt
4:3
Wyndham Rewards
1:1
Status, lounges and travel Avis Preferred Preferred Plus, IHG One Rewards Platinum Elite, National Emerald Club Executive, 2 lounge benefits
Elite status
  • Avis Preferred: Preferred Plus after you enroll
  • IHG One Rewards: Platinum Elite after you enroll
  • National Emerald Club: Executive after you enroll
Other status perks
  • Booking through The Edit by Chase Travel provides property credit, daily breakfast for two, room upgrade if available, and more - average value over $550 per stay. $550
  • After spending $120,000 in a calendar year, get Southwest Rapid Rewards A-List status through the following calendar year.
  • After spending $120,000 in a calendar year, get IHG One Rewards Diamond Elite status for the remainder of that year and the following calendar year.
  • After spending $120,000 in a calendar year, get World of Hyatt Explorist status for the remainder of that year through February of the year after the following calendar year.
Airport lounges
  • Complimentary access to Chase Sapphire Lounge by The Club and 1,300+ Priority Pass airport lounges worldwide with up to two guests, valued at over $850 annually; not available for Employee Cardmembers. $850
  • Complimentary access with one guest to Air Canada Maple Leaf Lounges and Air Canada Cafés when departing on a Star Alliance flight; not available for Employee Cardmembers.
Travel benefits
  • 24/7 assistance from Visa Infinite Concierge for booking dining, entertainment, and travel. Cardmember responsible for cost of goods/services purchased.
Protection and insurance 1 coverage
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Other coverage
  • You will pay no foreign transaction fees when you use your card for purchases made outside of the United States.
Lifestyle and other perks 2 perks
Lifestyle and entertainment
  • Complimentary DashPass membership, a $120 value for 12 months, with $0 delivery fees and reduced service fees on eligible DoorDash orders when activated by 12/31/27. $120
Other perks
  • Employee cards let you set individual spending limits and help you earn rewards even faster, at no additional cost.
Employee cards Free
Cost
Employee cards are free.
Each one gets
  • Complimentary DashPass membership
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
  • Sapphire 48-month rule Community-reported
    What counts

    You can earn a Sapphire sign-up bonus only once every 48 months.

Card type
Business