Chase Sapphire Reserve for Business
200,000 points welcome · 8x on travel (via portal) · $795/yr
The business version of the Reserve leads with an elevated 200,000 point bonus after $30,000 of spend in six months, up from the standard 150,000, and that offer is the strongest reason to look at it right now. Against the $795 annual fee, the credits are pointed squarely at operating costs: $300 in annual travel credit, up to $500 a year through The Edit by Chase Travel, up to $400 a year in ZipRecruiter credits, and up to $200 a year on Google Workspace, alongside Priority Pass and Chase Sapphire Lounge access. Earning is top-heavy at 8x on Chase Travel bookings and 4x on hotels and flights booked directly with the provider, but everything else earns 1x, so this is not where general business spend belongs. Go in clear-eyed about the mechanics: $30,000 in six months is a steep requirement, several credits arrive in semi-annual halves you have to remember to use, and a number of them carry end dates in 2027. Used deliberately by a business that books travel through Chase, it clears the fee comfortably; used passively, it will not.
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 |