Chase
Sapphire Reserve for BusinessSM Credit Card
Key Features
| Annual Fee | $795.00 |
| Other Fees | For any additional guests, your card will be charged $27 per guest, per visit. Additional guests are allowed for a fee (currently $59 USD at US lounges, $59 CAD at Canadian lounges, £59 GBP in the UK and €59 Euros in Europe) per guest, per visit. Cell Phone Protection has a $100 deductible per claim. Emergency Medical and Dental is subject to a $50 deductible. |
| Network | Visa |
About this card
The Chase Sapphire Reserve for Business card is a mixed bag. It offers excellent rewards on travel and online advertising, coupled with a generous sign-up bonus and valuable travel perks. However, the extremely high $795 annual fee is a major drawback that significantly limits its appeal. The high APR is also a concern if a balance is carried. While the card provides substantial value to businesses that can maximize its travel benefits and bonus categories, the high cost makes it less attractive to those with more moderate spending habits. Ultimately, this card is best suited for businesses with substantial travel and advertising expenses willing to pay a premium for luxury perks and high rewards earning potential. Its reputation is strong based on the Chase and Sapphire brand. Because of the high fee, it nets out to a "Good" rating.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Automatic elite status
- Luxury perks
- Lounge membership
Things to consider
- High annual fee
- Requires good or excellent credit
- High regular APR
What this card offers
Sign-up bonuses
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
Rewards
- 8x points on all purchases through Chase Travel, including The Edit
- 5x total points on Lyft rides through 9/30/27
- 4x points on flights & hotels booked direct
- 3x points on social media & search engine advertising
- 1x points on all other purchases
Other features
- $300 annual travel credit
- You have the freedom to take your business anywhere with the most flexible travel credit available. Receive up to $300 in statement credits each anniversary year.
- $250 credit for select Chase Travel Hotels
- $500 credit for stays with The Edit
- $550+ in value when you stay with The Edit
- $850+ in value with the Chase Sapphire Reserve Lounge Network
- $120 Global Entry or TSA PreCheck or NEXUS fee credit
- IHG One Rewards Platinum Elite status
- $420 DoorDash value
- $120 DashPass membership
- $300 DoorDash promos
- $200 Google Workspace credit
- $400 ZipRecruiter credit
- $120 Lyft credit
- Spend $120,000 and unlock a suite of additional benefits
- Access our network of airport lounges
- 1:1 Point Transfer
- Auto Rental Coverage
- Baggage Delay Insurance
- Emergency Evacuation and Transportation
- Emergency Medical and Dental
- Lost Luggage Reimbursement
- No Foreign Transaction Fees
- Roadside Assistance
- Travel Accident Insurance
- Travel and Emergency Assistance
- Trip Cancellation and Interruption Insurance
- Trip Delay Reimbursement
- Car Rental Benefits
- Avis: Up to 30% off base rates on qualifying rentals on any size car at over 5,000 locations worldwide. Automatic enrollment into Preferred Plus, free weekend rentals and up to 10% off base rates on Select Series.
- Hertz: Visa Infinite cardholders who are enrolled in Hertz Gold Plus Rewards can unlock additional car rental privileges with Hertz. Enjoy special savings, faster service, extra hours on returns for U.S. rentals and Hertz Gold Plus Rewards bonus points.
- National: Up to 25% on qualifying rentals at participating locations (U.S., Canada, Latin America and Caribbean) and a complimentary Emerald Club Executive level membership. Eligible for free weekend day and one-class upgrade.
- Build your business credit
- Employee travel
- Enjoy peace of mind
- Employee cards at no additional cost
- Get insights into your business
- Manage your cash flow
- Separate business and personal expenses
- 24/7 access to Customer Service Specialists
- Purchase Protection
- Return Protection
- Chip-enabled for enhanced security
- Cell Phone Protection
- 24/7 Fraud Monitoring
- Zero liability protection
- Extended Warranty Protection
- A Pay in Full card with built-in flexibility when you need it
- Visa Infinite Concierge
Additional Notes
The new cardmember bonus may not be available to you if you have ever had this card. We may also consider factors pertinent to your business in determining your bonus eligibility.