The coveted Chase Sapphire Reserve brand just gained its business partner. The new Chase Sapphire Reserve for Business maintains the premium travel perks that Sapphire users are accustomed to, offering over $2,500 in annual value for business owners and entrepreneurs on the go. Plus, the card launched with a pretty favorable welcome bonus: Earn 200,000 points after spending $30,000 on purchases in the first six months of account opening. Here’s what else you can expect with the new Sapphire Reserve for Business.

Sapphire Reserve for Business℠ Learn More On Chase’s site Learn More On Chase’s site Spotlight Cardmembers can earn 200,000 points after spending $30,000 on purchases in the first six months of account opening Credit score Good to Excellent 670–850 Regular APR 18.49% – 26.49% Variable Annual fee $795 Welcome bonus Earn 200,000 bonus points See rates and fees. Terms apply. Member FDIC. Our expert take The Chase Sapphire Reserve for Business brings over $2,500 in value to business owners who value travel and premium experiences Pros & cons $400 in annual statement credits on purchases made directly with ZipRecruiter.

$300 annual travel credit each anniversary year

$120 Global Entry, TSA Precheck or Nexus fee credit every four years

Access to 1,300+ airport lounges worldwide with your complimentary Priority PassTM Select membership, including Sapphire Lounge by The Club locations with two complimentary guests

Can transfer rewards to all of Chase’s 14 travel partners

IHG One Rewards Platinum Elite status through 12/31/27

Comprehensive suite of travel and purchase protections High annual fee

Significant value tied to statement credits

Requires a high credit score More details Highlights Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff. 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.

Earn 8x points on Chase Travel SM for airline tickets, hotels, including The Edit SM , car rentals, cruises, activities and tours.

for airline tickets, hotels, including The Edit , car rentals, cruises, activities and tours. Earn 5x total points on Lyft rides through 9/30/27.

Earn 4x points on flights & hotels booked direct.

Earn 3x points on social media & search engine advertising.

Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.

Enjoy complimentary access to the Chase Sapphire Lounge ® by The Club network and Priority Pass TM Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.

by The Club network and Priority Pass Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge. Member FDIC

Overall take on the new Sapphire Reserve for Business

The Sapphire Reserve for Business is Chase’s first business card in the Sapphire line; it joins the Sapphire Preferred and the Sapphire Reserve. While Chase currently offers business credit cards with its Chase Ink line, the Sapphire Reserve for Business is focused on providing more premium offerings. You can think of it as a sort of direct rival to Amex’s Business Platinum Card and Capital One’s Venture X Business. The Sapphire Reserve for Business’ $795 annual fee makes it one of the most expensive business cards on the market. Its benefits can make it worth it, though, offering over $2,500 in annual value, and the 200,000-point welcome offer for spending $30,000 over the first six months is generous for businesses that can reach that threshold. Additional employee cards are available at no cost. While they have the same purchase and travel protections, they don’t have the higher-tier benefits like lounge access or hotel rewards status. With a focus on statement credits balancing out the relatively large $795 annual fee, the Sapphire Reserve for Business is following a similar path to other premium credit cards. For prospective cardholders wanting to maximize the card’s value, it’s important to make sure those credits fit your travel and business needs. Some of the statement credit categories, like DoorDash and Giftcards.com, can be used as for employee appreciation, and Google Workspace contains a suite of AI-powered tools for your business.

Earning rates

The Sapphire Reserve for Business will earn you elevated earnings in the following categories: 8X points on Chase Travel℠ purchases

5X points on eligible Lyft rides through Sep. 20, 2027

4X points on all flights and hotels booked directly

3X points on social media and search engine advertising (no cap)

1X points on all other purchases Some of these categories are available with other Chase business cards, such as with the Ink Business Preferred® Credit Card (see rates and fees), offering 3X points on advertising and 5X points on Lyft rides. But the Sapphire Reserve for Business stands out by having no cap on advertising spend, plus the 4X points on flights and hotels booked directly is a decent rate of return for frequent business travelers and serves as a good alternative if you can’t find what you’re looking for via Chase Travel.

Ryley Amond

Benefits and perks

The Sapphire Reserve for Business has over $2,500 in annual value for business owners, including credits for travel as well as credits that can help run a company. The value is pretty evenly split, with over $1,300 in travel perks and more than $1,200 toward business expenses. Up to $500 annual credit for stays with The Edit by Chase Travel, a selection of luxury hotels and resorts (split biannually; not available for employee cardmembers)

Up to $400 ZipRecruiter credit (split biannually)

Up to $300 annual travel credit

Up to $300 DoorDash promos, including a $120 DashPass membership

Up to $200 Google Workspace credit

Up to $120 Global Entry, TSA PreCheck or Nexus credit every four years

Up to $120 in annual Lyft in-app credits

Up to $100 Giftcards.com credit (split biannually)

Complimentary IHG One Rewards Platinum Elite Status

Complimentary airport lounge access with up to two complimentary guests

Comprehensive suite of travel protections When using your credit at The Edit properties, cardmembers who stay at least two nights will also get complimentary benefits like a $100 property credit, daily breakfast and room upgrades when available. This benefit is not available for employee cardmembers. Purchases that qualify will not earn points. After spending $120,000 in a calendar year, you’ll unlock the following additional benefits: IHG One Rewards Diamond Elite Status

Southwest Rapid Rewards A-List Status

$500 Southwest Airlines credit when booked through Chase Travel (for Southwest Airlines flights booked through Chase Travel each calendar year)

$500 credit for The Shops at Chase, a new online shopping experience for cardholders that includes brands such as Breitling and Tumi The Sapphire Reserve for Business will also be adopting the new Points Boost accelerator, which will allow cardholders to redeem their Ultimate Rewards® points for up to 2X value on select airline tickets and hotels booked through Chase Travel. Otherwise, it’s a fixed 1 cent per point.

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