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Sapphire Reserve for Business℠ Review: A Premium Card for High-Spending Business Travelers

With standout travel rewards, monthly perks, and an unusually high welcome bonus, Chase’s newest business card makes a strong case for the top spot.

By Sebastian F. |Updated on 6/26/2025

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For business travelers who demand luxury, flexibility, and strong rewards, Chase’s newest business card delivers. The Sapphire Reserve for Business℠ is Chase’s answer to the high-end business travel market, offering a compelling mix of premium perks, high-value redemptions, and business-friendly rewards.

card art for the Sapphire Reserve for Business℠

Sapphire Reserve for Business℠

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Built for business owners who prioritize travel and flexibility, offering premium perks like 8x points on Chase Travel℠ and up to $300 in annual travel credits, making it a strong contender for those who can maximize its elevated earn rates and benefits year-round.

Read the full review

Travel Rewards Go Further

The Sapphire Reserve for Business℠ outpaces many competitors when it comes to travel rewards:

  • 8X points on purchases made through Chase Travel℠
  • 4X points on flights and hotels booked directly
  • 1X point on other eligible purchases

Chase also introduces its new Points Boost feature, where points redeemed through Chase Travel℠ on select flights and hotels can be worth 2 cents each. That’s double the base value and significantly higher than typical travel portal redemptions.

Sapphire Reserve for Business℠ Calculator

Cardonomics calculates the expected value of the Sapphire Reserve for Business℠ Credit Card based on the information you provide. The expected value is calculated based on the dollar value you input into the calculator.

The default figures in the calculator are just an example, so you should enter your own information for more accurate results. The methodology for this calculator is explained at the bottom of the post.

Sapphire Reserve for Business℠ Intro Offer

Are you eligible for the intro offer? You are not eligible if you have or have had the card (even without getting the bonus).

Are you able to complete $30,000 of spend in the first 6 months of account opening?

The current public offer is 200,000. What bonus are you considering?

URpoints

points earned from intro offer:

0

Credits: How Do You Value Them?

Enrollment may be required for select credits. Terms apply.

✈️
$300 Travel Credit
$
🏨
$500 Hotel Credit for The Edit℠
$
🤝
$400 ZipRecruiter Credit
$
💻
$200 Google Workspace Credit
$
💳
Curated GiftCards.com Credit
$
🚗
$120 Lyft Credit
$
🛵
$300 DoorDash Promos
$
🛵
$120 DashPass Membership
$

Sapphire Reserve for Business℠ Credit Card annual fee is $795.

Total value of credits: $2,040

Other Perks and Benefits: How do you value them?

💎
Chase Sapphire Lounges
$
🍁
Select Air Canada Lounges
$
✈️
Priority Pass membership
$
🏨
Hotel status (IHG Platinum)
$
🏨
Access to The Edit by Chase Travel℠
$
💳
Other benefits (primary car rental CDW, travel protections, etc.)
$

Value of other perks and benefits:

Airport perks$200
Hotel perks$20
All other benefits$100
Total value:$320

Point Multipliers: Category Spend

✈️
Chase Travel℠ purchases (8X points)
$
🏨
Flights and hotels booked directly (4X Points)
$
📢
Social media & search engine advertising (3X Points)
$
🚗
Lyft purchases (5X Points)
$
💳
All other purchases (1X Points)
$

Yearly points earned from spend breakdown:

8X Chase Travel℠40,000 UR
4X Flights and Hotels directly100,000 UR
3X Social Media & Search Engine Ads180,000 UR
Various Partners5,000 UR
1X All other purchases30,000 UR
Total points earned per year:355,000 UR

Premium Benefits

You earn even better travel benefits by hitting $120,000 in spend per calendar year.

🏨
Hotel status (IHG Diamond)
$
✈️
Southwest Airlines status (A-List)
$
$500 Southwest Airlines credit
$
$500 The Shops at Chase
$
Value from elite status$1,000
Value from credits$1,000
Total value:$2,000

How do you plan on redeeming points?

Chase gives you many ways to redeem your points. Here are some common examples:

  • Points are denoted as CPP = "cents per point"

Given how you value points...

Value of points from intro bonus:$0
Value from category spend:$0
Value of credits:$2,040
Value of Perks and benefits:$320
Value of Premium benefits:$2,000

Expected Value of Points

(Intro offer + credits + spend + benefits - annual fee)

$0

Calculation Methodology

The calculator's results are determined by several factors, including your ability to meet the minimum spending requirement to earn the welcome offer, spending habits in different categories, point redemption strategy, and how much relative value you place on other benefits.

The "Years" in the calculator refer to the cardmember year, which begins when you are approved for the card. The first year of membership is the first 12 months after approval, and the second year is the 12 months following that.

Lounge Access and Global Perks

As expected from a top-tier card, Sapphire Reserve for Business℠ includes airport lounge access. Primary cardholders get access to:

  • Chase Sapphire Lounge by The Club locations (with more lounges on the way)
  • Priority Pass™ Select access to over 1,300 global lounges, with complimentary entry for two guests. Enrollment required.

This gives the card a strong edge over competitors that have started limiting guest access.

Statement Credits: Big Value, but With a Schedule

On paper, the Sapphire Reserve for Business℠ offers over $2,500 in potential value from statement credits. But to unlock the full benefit, you’ll need to stay organized—several credits are distributed monthly or semi-annually, and unused value may expire if you’re not paying attention.

Here’s what to know about the fine print:

  • DoorDash – Up to $420 in total value
    • This includes two parts:
      • A 12-month DashPass membership (valued at $120) with $0 delivery fees and reduced service fees on eligible orders.
      •  Up to $300 in monthly DoorDash promos: You’ll get $25 per month in perks—but it’s broken into a $5 restaurant promo and two $10 promos for groceries and retail. These are “use it or lose it” and only available through December 31, 2027.
  • Google Workspace – Up to $200 per year
    • Earn up to $200 in statement credits annually for eligible purchases made directly through Google Workspace. That includes Google’s new AI tools in Gmail, Calendar, Drive, Meet, and NotebookLM. There’s no monthly cap, but the credit resets annually.
  • ZipRecruiter – Up to $400 per year
    • The ZipRecruiter credit is split into two halves:
      • $200 available from January through June
      • Another $200 from July through December
      • If you don’t use the credit in one half of the year, it doesn’t roll over.
  • Lyft – Up to $120 per year
    • Earn $10 in Lyft in-app credits each month through September 30, 2027. These credits reset monthly, so you’ll want to use them regularly to get full value.
  • Giftcards.com – Up to $100 per year
    • You’ll get $50 in credits from January to June, and another $50 from July to December, but you’ll need to purchase from a specific curated collection to trigger the benefit.

If you’re a business owner who likes to set-and-forget benefits, this card rewards consistency. Many of the statement credits are generous, but spread out in a way that requires monthly or biannual engagement. Used thoughtfully, they can help recoup much or all of the $795 annual fee. Ignore them, and you’re leaving real money on the table.

Strong Bonus on Digital Advertising

The Sapphire Reserve for Business℠ isn’t just for travel. Businesses that spend heavily on digital advertising will appreciate:

  • 3X points on select online advertising (e.g., Facebook, Instagram, Google)

Unlike other cards that cap advertising rewards, Chase offers no limit on eligible spend in this category—making it a top pick for growth-stage companies and digital marketers.

Main Takeaway

Chase’s Sapphire Reserve for Business℠ delivers serious value for companies with high travel and marketing expenses. With a large introductory bonus, elevated rewards on key categories, and perks like lounge access and travel credits, it’s a strong fit for business owners looking to get more out of their everyday spending.

 

All information about the Sapphire Reserve for Business℠  has been collected independently by cardonomics.com. The Chase Sapphire Reserve® is no longer available through cardonomics.com.

card art for the Sapphire Reserve for Business℠

Sapphire Reserve for Business℠

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Built for business owners who prioritize travel and flexibility, offering premium perks like 8x points on Chase Travel℠ and up to $300 in annual travel credits, making it a strong contender for those who can maximize its elevated earn rates and benefits year-round.

Read the full review

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