Key facts
The Chase Sapphire Reserve for Business℠ definitely shares a lot in common with the consumer-oriented Chase Sapphire Reserve®, but is absolutely differentiated to gear it up for heavy business spend.
This card has a high spending pay-in-full limit that also has Flex for Business, a credit line which allows payments over time with interest.
Annual Fee:
$795Min. Credit Score for Approval:
670-739 * GoodOngoing APR:
18.49%-26.49% VariableForeign Transaction Fee:
0%It has over $2,500 in overall potential value in its features and benefits, discussed below.
You’ll have access to two types of airport lounges. The evolving Chase Sapphire Lounges by The Club and the Priority Pass network.
In each, you’ll have access for you and up to two guests.
The elevated 65% bonus has ended – it’s now 50% until August 15th.
Get 65% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on June 15, 2025 and 11:59 PM ET on June 30, 2025. When the early bird offer ends, get 50% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on July 1, 2025 and 11:59 PM ET on August 15, 2025. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.
Here is a link to historical transfer bonuses to Marriott Bonvoy.
And here is a link to historical transfer bonuses specifically from Chase Ultimate Rewards to Marriott Bonvoy. We did see 70% last summer, but other than that 65% is pretty much h as high as it gets while the second tier 50% offer is average.
That said, this is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Ultimate Rewards partners.
Get 20% Bonus Aeroplan® points when you transfer Chase Ultimate Rewards®points between 12:00 AM ET on June 5, 2025 and 11:59 PM ET on July 17, 2025. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply.
Note that if you have the Aeroplan® Credit Card you can get up to 30% bonus Aeroplan points (20% from the limited time offer and an extra 10% for being a Cardmember). To get the additional 10% bonus, Chase Aeroplan Cardmembers need to transfer a minimum of 50,000 points or more from Chase Ultimate Rewards® to Aeroplan, up to a maximum of 25,000 bonus Aeroplan points per calendar year. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete.
Here is a list of historical transfer bonuses to Aeroplan. They are generally from 20-30%, but the last few have been 20%.
Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Etihad and Emirates (although Emirates F is priced at unbookable price levels) as well as Star Alliance flights. Add a stopover for just 5,000 miles!
Reward multipliers
Here’s how this card earns:
- 8X points on all Chase Travel℠ purchases
- 4X points on flights and hotels booked direct
- 3X points on social media and search engine advertising
- 5X points on Lyft rides through 9/30/27
- 1X points on everything else
Earns bonus points for spend in the following bonus categories:
Only when booked via Chase Travel; otherwise this card earns 4X on airfare booked directly
Estimated Rewards Value: 14%
Only when booked via Chase Travel; otherwise this card earns 4X on hotels booked directly
Estimated Rewards Value: 14%
Only when booked via Chase Travel; otherwise earn 1X points
Estimated Rewards Value: 14%
Estimated Rewards Value: 5.25%
Estimated Rewards Value: 1.75%
Essentially, these are the same as the consumer Chase Sapphire Reserve® card, but with social media and search engine advertising replacing dining as the 3X category.
Key features
Unique Card Benefits
Complimentary access to Reserve Travel Designers
For end-to-end travel planning from custom itinerary to trip support.
Access to The Edit by Chase Travel
An exclusive collection of over 1,100 hand-picked hotels and resorts around the world where Sapphire Reserve for Business cardmembers get complimentary benefits like free breakfast, upgrades (if available) and a $100 property credit. Your hotel status, if applicable, will also be honored giving you the best of both worlds including loyalty program elite status recognition, hotel program points earning, and elite night credits towards your annual status renewal.
Points Boost
This allows you to get 2 cents per point in the travel portal on select premium air and hotel bookings. It is be a rotating set of offers on select airlines and at select hotels. When you search the portal for a flight or hotel destination, Points Boost (2 cent per point) redemptions will appear first and very obviously display the 2 cent per point value.
If an Emirates round trip to Milan in Business Class is $5,000, for example, and is being offered as a Points Boost selection, you’d pay 250,000 Ultimate Rewards® points.
The redemptions at 2 cents are focused on premium economy and higher classes of service for flights and premium hotels.
Access to Chase Sapphire Reserve Exclusive Tables on OpenTable
This is in partnership with the Visa Dining Collection, for primary and employee cards.
DoorDash DashPass
Cardmembers get complimentary access to DashPass with a value of $120 for 12 months. Activate by 12/31/27.
Benefits Earned After $120,000 in Annual Spend
- IHG One Rewards Diamond Elite Status for the year earned and the following year.
- Southwest Airlines A-List Status for the year earned and the following year and a $500 Southwest Airlines credit when booked through Chase Travel
- $500 credit to The Shops at Chase
Annual Statement Credits
Travel
- $300 annual travel credit (the same as we know and love from the original Chase Sapphire Reserve card, applied automatically towards any travel purchase each anniversary year).
- $120 Global Entry, TSA Precheck or Nexus credit every four years
- $500 credit for stays with The Edit by Chase Travel: Cardmembers get up to $250 in statement credits from January through June and again from July through December for prepaid bookings made with The Edit. Cardmembers can enjoy complimentary benefits like a $100 property credit, daily breakfast for two, room upgrades (if available) and more. This benefit is not available for employee cardmembers. Two-night minimum required. Purchases that qualify will not earn points on the rebate. Note that you DO earn your usual hotel elite benefits, if applicable, with The Edit rates. It’s not treated as “third party” and you would get the best all benefits (they stack but you can’t double dip) plus earn your points and elite nights in the hotel’s loyalty program.
Business Services
- $400 ZipRecruiter hiring credit: Earn up to $400 in annual statement credits on purchases made directly with ZipRecruiter, up to $200 in statement credits January through June and up to $200 in statement credits July through December.
- $200 Google Workspace credit toward a suite of AI-powered business tools: Earn up to $200 in annual statement credits on purchases made directly on Google Workspace.
- $100 Giftcards.com credit for flexible employee appreciation: Cardmembers can earn up to $100 annually in statement credits (up to $50 from January to June and $50 from July to December) when purchasing gift cards from a curated collection of notable brands on giftcards.com/reservebusiness.
- $300 DoorDash value and $120 DashPass membership for DoorDash: DashPass members get access to up to $25 in monthly promos, which includes a $5 restaurant promo and two $10 promos to spend on groceries, beauty, electronics and more. These promos must be applied at checkout when placing an order on DoorDash with the use of a Sapphire Reserve for Business card enrolled in DashPass. If a promo is not used (applied to an order) each month, it will not carry over to the next month.
- $120 in annual Lyft in-app credits, up to $10 monthly.
After $120,000 in Annual Spend
- $500 Southwest Airlines credit when booked through Chase Travel
- $500 credit to The Shops at Chase
Airport Lounge Access
Access to the Chase Sapphire Lounge by The Club network of airport lounges and Priority Pass Select.
The primary Chase Sapphire Reserve for Business cardmember can bring two guests per visit for either lounge type.
You also get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.
Grants Hotel Status
You’ll receive IHG Rewards® Platinum status just by holding the Chase Sapphire Reserve for Business.
Get upgraded to IHG Rewards® Diamond for the current and following year when you spend $120,000 within one calendar year.
Primary Car Rental CDW Waiver
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Trip Protections
Trip Cancellation and Interruption
If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Trip Delay Reimbursement
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Emergency Evacuation and Transportation
If you or a covered traveler are injured or become sick during a trip 100 miles or more from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Emergency Medical and Dental
If you or an immediate family member become sick or injured while you’re 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses, subject to a $50 deductible.
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Extended Warranty
Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Cell Phone Protection
Get up to $1,000 per claim in cell phone protection against covered theft or damage for cell phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 3 claims in a 12-month period with a $100 deductible per claim.
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Global Entry / TSA PreCheck Reimbursement
The Chase Sapphire Reserve for Business offers a $120 Global Entry, TSA PreCheck or Nexus credit every four years
Earns Transferable Points
This card earns Chase Ultimate Rewards points. Points from this card can be transferred to any other card that earns Ultimate Rewards (except for the Chase Ink Business Premier® – a cash back only card).
We have a Guide to Chase Ultimate Rewards.
Does Not Report Credit Line to Personal Credit Profile
Like all of Chase’s line of small business credit cards, it will only appear on your personal credit report if you are in default (since small business owners are always personally liable for the debt).
An application will also trigger a Hard pull to access your credit.
Beyond that, if in good standing, your personal credit profile won’t even show you have the card, your credit line, or your credit utilization.
No Foreign Transaction Fees
As you’d expect for such a high-end card!
No Fees for Authorized Users
There are no fees to add an authorized user (employee) card to your account, however they will not have their own airport lounge access. They would need to be one of your two guests at time of entry.
Roadside Assistance
If you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Metal Card
Add some heft to your wallet with the Chase Sapphire Reserve for Business, which weighs a massive 19.6 grams.
Equal to the Chase Sapphire Reserve®, it’s heaviest of all mainstream credit cards.
Earn more rewards by combining credit cards
Pros & cons
- Up to $2,500 in annual value from benefits and statement credits
- Airport lounge access for you and up to two guests at both Chase Sapphire lounges and Priority Pass lounges
- Too many benefits and statement credits to list! Comes with IHG Platinum status for a start...
- Very high annual fee
- Only one business related (non-travel) bonus category
Our review
💳 This card earns Chase Ultimate Rewards points. Chase often runs transfer bonuses where you can get even more points when you transfer to airline or hotel partners at designated times. Transfer bonuses are awesome. Get 20%, 30%, 40% or more bonus miles when you transfer points at the right times. But they are easy to miss!
You can see all past Transfer Bonuses from Chase Ultimate Rewards here.
Even better? Get notified when a new transfer bonus comes out and again before it ends (either or both, your choice). Sign up for free alerts right here. 🔔
The Chase Sapphire Reserve for Business is clearly marketed at very high spending businesses that value the benefits and statement credits on offer. That’s why it has a high spending pay-in-full limit that also has Flex for Business, a credit line which allows payments over time with interest.
If you need a less powerful but still amazing Chase Business credit card, you can still get the Chase Ink Business Preferred® card with just a $95 annual fee.
However, I want to highlight one underrated feature that sets this card apart for any business owner with a super high level of ad spend. I want to highlight that the card earns 3X points on social media and search engine advertising. Before you say “so does the Chase Ink Business Preferred® card!,” let me remind you that the Ink Preferred is capped at $150,000 a year on all 3X spend combined.
If you spend a million dollars a year (and I know many small growing businesses that spend in the millions on social media and search engine advertising), you are earning 3 million Chase Ultimate Rewards points which we value at 1.75 cents per point due to the power unlocked with their airline and hotel transfer partners. So using our valuation, $1MM in annual spend on this category is worth $52,500 a year in rewards value. Now to be clear that is an average value for your points, but this card has Points Boost where you can redeem at 2 cents a point for a variety of (always changing) luxury oriented air and hotel redemptions in the Chase Travel℠ portal. Used that way, $1MM in social media and search engine advertising is worth $60,000 in Points Boost travel.
That’s, well, insane…. and if you are a high spender in those categories, you’ll probably want this card now before I go further.
Let’s say that’s not your reason, though.
When you look at the features and benefits outlined above, it’s easy to see how this card provides great value for the right small business owner. The $300 annual travel credit is valid on any travel and is therefore extremely easily used. That brings it down to a level where you are looking at $95 more in value to break even or come out ahead – maybe way ahead. We firmly believe that high annual fees are simply an opportunity to see if you can get more value from the fees – with minimal effort – than you are paying. And the annual fee on a small business card should be a deductible expense for your business (not financial advice).
It’s hard to see not being able to get $100 from the bi-annual $50 credit for GiftCards.com, for example. Between that and the $300 travel credit, we are only looking to offset $395 more to make the annual fee worth it.
I’ll make it simple: look at the Unique Card Benefits section and Annual Statement credits sections above, add to that the lounge access for your and 2 guests, and see if you are ahead before breaking out a pen and paper. If so, this card is a match for you. If you really struggle to see what you’d use, then maybe not…
But don’t forget the bonus categories. In addition to the 3X on social media and search engine advertising purchases, you’re getting 4X on airfare and hotels booked directly. That’s the highest multiplier we know of for a business card when booking directly in these categories. And if you don’t mind booking via Chase Travel, then it’s even better with all travel earning 8X points.
Here’s a reminder on where you can transfer your Ultimate Rewards points besides redeeming via Chase Travel / Points Boost:
| Chase Ultimate Rewards Transfer Partners | ||
|---|---|---|
| Transfer Ratio | Expected Transfer Time * | |
| Aer Lingus Avios | 1:1 | Instant |
| Air Canada Aeroplan | 1:1 | Instant |
| Air France Flying Blue | 1:1 | Instant |
| British Airways Avios | 1:1 | Instant |
| Emirates | 1:1 | Instant |
| Iberia Avios | 1:1 | Instant |
| JetBlue | 1:1 | Instant |
| Singapore Airlines KrisFlyer | 1:1 | ~ 1 - 2 days |
| Southwest Airlines | 1:1 | Instant |
| United MileagePlus | 1:1 | Instant |
| Virgin Atlantic Flying Club | 1:1 | Instant |
| Hyatt | 1:1 | Instant |
| Marriott Bonvoy | 1:1 | ~ 1-2 days |
| IHG Rewards Club | 1:1 | ~ 24 hours |
The bottom line is this card is packed with opportunities to absolute crush it in value whether through the bonus categories, card benefits, and statement credits. If this card is for you, you already know it.
Note that you cannot product change into this card from any other Chase card. You can only apply outright.
This card is also mentioned in the article Business Credit Cards That Don’t Report to Personal Credit Bureaus.
Frequently asked questions
Is the Chase Sapphire Reserve for Business a "No Preset Spending Limit" card?
Close, but not quite. The card does have two lines – one that you must pay in full in each month and one that you can pay over time with interest, called Flex for Business.
While we expect most small businesses interested in this card to get sizable credit lines if approved, it’s important to know there will be a limit.
We do have a number of credit cards with No Preset Spending Limit that you can view.
How does the Chase Sapphire Reserve for Business compare to the Chase Sapphire Reserve
The biggest difference is that the 3X category on the Chase Sapphire Reserve for Business is search engine and social media ads where as on the consumer Chase Sapphire Reserve, it’s dining.
The statement credits on each card are also totally different.
Beyond that, we have a comparison of the Chase Sapphire Reserve for Business and the Chase Sapphire Reserve.
What is the annual fee on the Chase Sapphire Reserve for Business?
$795
How much are authorized user cards on the Chase Sapphire Reserve for Business?
There’s no fee to add an authorized user, but note that AU cards do not confer any airport lounge access nor have any separate statement credits. Those are all for the main account holder only.
Is there a limit to the 3X bonus category for ads on search engines and social media sites with the Chase Sapphire Reserve for Business?
Incredibly, no!
If you spend $1 million in a year on ads on search engines and social media sites with the Chase Sapphire Reserve for Business, you’d earn 3,000,000 Ultimate Rewards points.
Of course, you’d need a pretty high credit limit to pull that off!
Does the Chase Sapphire Reserve for Business earn bonus points on airline and hotel spend?
Yes, the rates are very generous. You’ll earn 4X on airfare and hotels booked directly with the airline or hotel or 8X if booked with Chase Travel In fact, everything booked with this card on Chase Travel (their booking portal) earns 8X points.
What are the main competitors of the Chase Sapphire Reserve for Business?
This premium card has few rivals.
We’d say the Capital One Venture X for Business and The Business Platinum Card® from American Express are the two main competitors.
Compare the Chase Sapphire Reserve for Business with the Capital One Venture X for Business.
How does the Chase Sapphire Reserve for Business compare with the Chase Ink Preferred?
They are worlds apart, though both cards allow you to transfer your Ultimate Rewards points to airline and hotel transfer partners.
Compare the Chase Sapphire Reserve for Business and Chase Ink Business Preferred.