Chase Sapphire Reserve for Business
200,000 points welcome · 8x on travel (via portal) · $795/yr
The Chase Sapphire Reserve for Business brings the full premium Sapphire treatment to business owners, with 8x points on Chase Travel bookings, 4x on flights and hotels booked directly, and a huge welcome offer for those who can meet the $30,000 spend requirement. The $795 annual fee looks steep, but the stack of credits, including $300 in travel, up to $500 through The Edit, $400 for ZipRecruiter, and $200 for Google Workspace, can more than cover it for a business that would spend on those services anyway. Lounge access through Sapphire Lounges and Priority Pass rounds out the travel perks, and heavy spenders unlock another $1,000 in credits plus hotel and Southwest elite status at $120,000 in annual purchases. Note that this is a pay-in-full card, so there is no revolving APR outside of the Flex for Business feature. If your business travels often and can use even half the credits, the math works; if not, the Ink Business Preferred is the cheaper Chase travel play.
Earn rates & credits
| Category | Rate |
|---|---|
Travel (via Portal) | 8x |
Transit On Lyft rides through September 30, 2027 (limited-time promo) Through Sep 30, 2027 | 5x |
Hotels Hotels booked directly | 4x |
Airlines Flights booked directly with airlines | 4x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual Travel Credit Automatic statement credit for travel purchases each anniversary year | $300 /yr |
The Edit Credit Up to $250 biannually for prepaid bookings of two nights or more made through The Edit by Chase Travel | $250 / 6 mo |
Select Chase Travel Hotel Credit Up to $250 annually on prepaid Chase Travel bookings of two nights or more at IHG, Montage, Pendry, Omni, Virgin, Minor, and Pan Pacific properties, through December 31, 2026 | $250 /yr |
ZipRecruiter Credit Up to $200 in statement credits from January-June and July-December on purchases made directly with ZipRecruiter, through December 31, 2027 | $200 / 6 mo |
Google Workspace Credit Up to $200 in annual statement credits on purchases made directly with Google Workspace, through December 31, 2027 | $200 /yr |
DashPass Membership Complimentary DashPass membership for 12 months ($0 delivery fees and reduced service fees on eligible DoorDash orders) when activated by December 31, 2027 | $120 /yr |
DoorDash Promos Up to $25 per month ($5 restaurant promo + two $10 grocery/retail promos) to spend on DoorDash through December 31, 2027 | $300 /yr |
Lyft Credits Up to $10 in monthly in-app credits for Lyft rides through September 30, 2027 | $120 /yr |
Gift Card Credit Up to $50 in statement credits from January-June and July-December on curated gift card purchases through The Shops at Chase, through October 31, 2028 | $50 / 6 mo |
Global Entry / TSA PreCheck Credit Up to $120 statement credit for Global Entry, TSA PreCheck, or NEXUS application fees | $120 every 4 yr |
Cell Phone Protection Up to $1,000 per claim (3 claims per 12 months, $100 deductible) when the monthly phone bill is paid with the card | $1,000 |
| Total annual credits | $2,320 |
Card details
Foreign transaction fee | None |