Chase
Sapphire Reserve for Business Credit Card
Key Features
| Annual Fee | $795.00 |
| Network | Visa |
About this card
The Sapphire Reserve for Business Credit Card presents a mixed bag. Its strengths lie in its excellent rewards program, especially for travel and advertising, and a generous sign-up bonus. The numerous travel credits and perks can offset the high annual fee for frequent travelers. However, the $795 annual fee is a major drawback, making it unsuitable for businesses that don't fully utilize the travel benefits. The APR is likely average, making it less attractive for those carrying balances. Overall, it's a good card for businesses with high travel and advertising expenses and excellent credit, but the high fee limits its appeal to a broader audience. The reputation is good considering it is a Chase product.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Transfer partners
- Luxury perks
- Lounge membership
Things to consider
- High annual fee
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
- A Pay In Full credit card
- $300 annual travel credit
- $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 through 12/31/27
- $200 Google Workspace credit
- $400 ZipRecruiter credit
- $100 curated gift card credit
- $120 DashPass membership for 12 months when you activate by 12/31/27
- $300 DoorDash promos available through 12/31/27
- $120 Lyft credit through 9/30/27
- Spend $120,000 and unlock a suite of additional benefits including up to $500 in statement credits for The Shops at Chase, IHG One Rewards Diamond Elite Status, Southwest Rapid Rewards A-List Status, and up to $500 in statement credits for Southwest Airlines flights booked through Chase Travel
- Access to Chase Sapphire Lounge by The Club with two complimentary guests
- Complimentary Priority Pass Select membership with access to 1,300+ airport lounges with two complimentary guests
- Access to select Air Canada Maple Leaf Lounges and Air Canada Cafés with one complimentary guest
- 1:1 Point Transfer to leading hotel and airline loyalty programs
- Auto Rental Coverage: primary coverage for business rentals up to $75,000 for theft and collision damage
- Baggage Delay Insurance: up to $100 a day for up to 5 days when baggage is delayed over 6 hours
- Emergency Evacuation and Transportation: coverage up to $100,000
- Emergency Medical and Dental: reimbursement up to $2,500 with a $50 deductible
- Lost Luggage Reimbursement: up to $3,000 per covered traveler
- No Foreign Transaction Fees
- Roadside Assistance: up to $50 per incident 4 times a year
- Travel Accident Insurance: up to $1,000,000
- Travel and Emergency Assistance
- Trip Cancellation and Interruption Insurance: up to $10,000 per covered traveler and $20,000 per trip
- Trip Delay Reimbursement: up to $500 per covered traveler for delays more than 6 hours or requiring an overnight stay
- Car Rental Benefits: Avis up to 30% off base rates, Preferred Plus enrollment, free weekend rentals and up to 10% off Select Series
- Car Rental Benefits: Hertz privileges for Visa Infinite cardholders enrolled in Hertz Gold Plus Rewards
- Car Rental Benefits: National up to 25% off, complimentary Emerald Club Executive level membership, eligible for free weekend day and one-class upgrade
- Build your business credit
- Employee travel
- Account alerts
- Employee cards at no additional cost
- 24/7 access to view account details, quarterly reports, up to 24 months of statement details
- Manage your cash flow
- Separate business and personal expenses; integrate with bookkeeping software
- 24/7 access to Customer Service Specialists
- Purchase Protection: covers eligible new purchases for 120 days up to $10,000 per item
- Return Protection: up to $500 per item, $1,000 per 12-month period
- Chip-enabled for enhanced security
- Cell Phone Protection: up to $1,000 per claim; maximum of 3 claims in a 12-month period with a $100 deductible per claim
- 24/7 Fraud Monitoring
- Zero liability protection
- Extended Warranty Protection: extends eligible warranties by an additional year
- A Pay in Full Card with built-in flexibility when you need it: Flex for Business balance can be paid over time with interest
- 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.

