Chase Sapphire Reserve for Business
200,000 points welcome · 8x on travel (via portal) · $795/yr
The Sapphire Reserve for Business is aimed at owners who travel heavily: 8 points per dollar on Chase Travel and 4 points on hotels and flights booked directly, plus a signup offer currently elevated to 200,000 points, up from the standard 150,000. That bonus demands $30,000 in spend over six months, and the annual fee is a steep $795. Offsetting it takes real effort through a $300 travel credit, up to $500 a year for stays booked through The Edit, and business-specific credits of up to $400 for ZipRecruiter and $200 for Google Workspace, alongside Sapphire Lounge and Priority Pass access. The catch is that the base rate is just 1 point per dollar, and many of the credits are split semiannually, tied to specific merchants, or set to expire, so the value only adds up if you would use them anyway. Primary rental car coverage, cell phone protection, free employee cards, and no foreign transaction fee round out a card that suits frequent travelers, not businesses with mostly everyday spend.
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 |