Sapphire Reserve for Business

Earn rates · how we got this

Signup bonus: 200,000 points after $30,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-10-23.

Statement credits — $2,200/yr on paper · how we got this

Five of the 9 pay out in pieces through the year, and one must be enrolled in first. A month you miss is gone, not banked.

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? · how we got this

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.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:

• Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 8x, pays only on travel booked through the issuer's travel portal. The same booking made anywhere else earns its base 1x, so the headline number is a portal rate rather than a category rate — which is why no ranking on this site counts it.
• Anyone who won't work the statement credits. The $795 fee is argued for by $2,200 of printed credits, spread across 9 separate credits, 2 of them monthly or quarterly — an unused month is gone, not banked, and 1 that must be enrolled in before it pays. Each one only pays if you were going to spend that way anyway; ignore them and the whole $795 has to come back through earn rates instead.

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?

More from Chase

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• Southwest Rapid Rewards Plus Card $99/yr
• Southwest Rapid Rewards Premier Business Card $149/yr
• Southwest Rapid Rewards Premier Card $149/yr
• Southwest Rapid Rewards Priority Card $229/yr
• United Business Card $150/yr

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