Sapphire Reserve for Business
$795 annual fee · $2,200/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Rideshare | 5x | uncapped |
| Flights | 4x | uncapped |
| Hotels | 4x | uncapped |
| Advertising | 3x | uncapped |
| Everything else | 1x | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
8x | uncapped |
See how it ranks: best rideshare cards · best flights cards · best hotels cards.
Signup bonus: 150,000 points after $30,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Statement credits — $2,200/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Annual travel credit | $300/year | annual · resets on your card anniversary |
| Select Chase Travel Hotels credit | $250/year | annual |
| The Edit hotel credit | $500/year | annual |
| Global Entry / TSA PreCheck / NEXUS credit | $30/year | once every 4 years |
| Google Workspace credit | $200/year | annual |
| ZipRecruiter credit | $400/year | twice a year |
| Lyft in-app credits | $120/year | monthly |
| DoorDash monthly promos | $300/year | monthly · enrollment required |
| Curated gift card credit | $100/year | twice a year |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Chase Sapphire Lounge by The Club + Priority Pass Select membership (1,300+ lounges, up to 2 guests); not available to Employee Cardmembers, who may still access as guests of the Authorizing Officer
- Air Canada Maple Leaf Lounge/Cafe access (Authorizing Officer + 1 guest, on a departing/connecting Star Alliance flight); not available to Employee Cardmembers
- IHG One Rewards Platinum Elite status through 12/31/2027 (Authorizing Officer only)
- Complimentary DashPass membership (DoorDash/Caviar), 12 months, activate by 12/31/2027; auto-renews at then-current rate unless canceled
- Employee Cards at no additional cost
- Avis, National (Emerald Club Executive Level), and Hertz Gold Plus Rewards car rental discounts (Visa Infinite benefits)
- Visa Infinite Concierge service (cardmember pays for any goods/services purchased through it)
- Points Boost: up to 2x point value on select flights/hotels booked through Chase Travel
Does the fee earn out?
The printed statement credits ($2,200/yr) cover the $795 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $795 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
- Sapphire Reserve for Business vs Chase Sapphire Reserve — which earns more?
- Sapphire Reserve for Business vs The Platinum Card from American Express — which earns more?
- Sapphire Reserve for Business vs Citi Double Cash® Card — which earns more?
- Sapphire Reserve for Business vs Capital One Venture X — which earns more?
Comparing cards in the same currency? See the best cards that earn Chase Ultimate Rewards →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com · creditcards.chase.com. Spot an error? Tell us.