Chase is entering the premium business credit card space with the new Chase Sapphire Reserve for Business, launching June 23, 2025. This $795 annual fee card brings the popular Sapphire Reserve brand to business owners, offering travel-focused earning rates and an extensive collection of statement credits.
The card targets businesses with significant travel and advertising spending through bonus categories that include up to 8x points on Chase Travel purchases and uncapped 3x earning on social media advertising. With numerous benefits ranging from lounge access to business-specific credits, the Sapphire Reserve for Business represents Chase’s bid to compete with established premium business cards in the market.
Earning Points
The Chase Sapphire Reserve for Business offers an earning structure focused on travel and advertising spending. You’ll earn Ultimate Rewards points at the following rates:
- 8 points per dollar spent on Chase Travel℠ purchases
- 5 points per dollar spent on eligible Lyft rides (through Sept. 30, 2027)
- 4 points per dollar spent on flights and hotels booked directly
- 3 points per dollar spent on advertising purchases made via social media sites and search engines
- 1 point per dollar spent on all other purchases
The advertising category differentiates this card from many business competitors. While some business cards don’t include advertising as a bonus category or impose spending limits, the Sapphire Reserve for Business allows unlimited earning at 3x on social media and search engine marketing expenses.
The card emphasizes travel spending through multiple bonus categories. You can earn accelerated rewards whether booking through Chase Travel at 8x or directly with airlines and hotels at 4x. The card doesn’t include dining as a bonus category, which some business travel cards offer.
Annual Fee of Sapphire Reserve Business
The Chase Sapphire Reserve for Business carries a $795 annual fee. Employee cards come at no additional cost, which differs from the personal Sapphire Reserve that charges $195 for authorized users.
Employee cards come at no additional cost, which differs from the personal Sapphire Reserve that charges $195 for authorized users. You can add employee cards without impacting your annual fee, though these cards don’t receive all the same benefits as the primary account holder.
Employee cards don’t include lounge access privileges, but they do provide access to Chase Sapphire Reserve Exclusive Tables for restaurant reservations through OpenTable. The primary benefit of employee cards centers on allowing business owners to earn rewards on employee spending.
Benefits of Sapphire Reserve Business
The Chase Sapphire Reserve for Business includes several benefits designed to support business travel and operations:
Lounge Access: Complimentary access to Chase Sapphire Lounges by The Club and Priority Pass lounges for the primary cardholder and up to two guests per visit. You’ll also receive access to select Air Canada Maple Leaf Lounges. Employee cards don’t receive lounge access but can enter as guests of the primary cardholder.
Annual Travel Credit: Up to $300 in automatic statement credits for qualifying travel purchases including flights, hotels, car rentals, and cruises. This credit applies automatically and purchases that qualify won’t earn points.
The Edit Hotel Credit: Up to $500 annually in statement credits for The Edit by Chase Travel hotel bookings, split into $250 from January to June and $250 from July to December. Requires minimum two-night prepaid stays and qualifying purchases won’t earn points.
ZipRecruiter Credit: Up to $400 annually in statement credits for purchases made directly with ZipRecruiter, split into $200 from January to June and $200 from July to December. This benefit supports businesses actively hiring new employees.
Google Workspace Credit: Up to $200 annually in statement credits for purchases made directly with Google Workspace for AI tools and business services. This credit applies to Google’s business productivity and collaboration tools.
Giftcards.com Credit: Up to $100 annually in statement credits for gift card purchases through giftcards.com/reservebusiness, split into $50 from January to June and $50 from July to December. The platform offers a curated collection of brands for business gifting needs.
Global Entry/TSA PreCheck Credit: Up to $120 credit for Global Entry, TSA PreCheck, or Nexus applications every four years.
IHG Elite Status: Complimentary IHG One Rewards Platinum Elite Status through December 31, 2027, providing benefits like room upgrades, late checkout, and bonus points on stays. After $120,000 in annual spending, you can unlock IHG One Rewards Diamond Elite Status with additional perks like complimentary breakfast.
DoorDash Benefits: Up to $300 annually in DoorDash benefits, including a 12-month DashPass membership that must be activated by December 31, 2027. Once enrolled, you’ll receive up to $25 monthly through a $5 restaurant promotional credit and two $10 promotional credits for grocery, beauty, electronics, and other purchases. These credits must be used each month and don’t carry over.
Lyft Credits: Up to $120 annually in Lyft credits, providing $10 monthly through September 30, 2027. Credits apply automatically when you use the card for eligible Lyft rides and appear as statement credits.
Southwest Benefits: After $120,000 annual spending, unlock Southwest Rapid Rewards A-List status offering priority seating and free checked bags, plus a $500 Southwest Airlines credit when booking through Chase Travel.
The Shops at Chase Credit: After $120,000 annual spending, receive a $500 credit for The Shops at Chase marketplace, featuring brands like Tumi, Baccarat, Breitling, Dyson, Sony, and Therabody. This online shopping platform offers rotating promotions and accepts Ultimate Rewards points.
Travel Protections: Comprehensive travel insurance including primary rental car damage waiver coverage and trip cancellation/interruption protection. These protections rank among the best available on business credit cards.
Points Boost: Redeem points at standard 1 cent per point value for most travel, or up to 2 cents per point value with select airlines and hotels through Chase Travel. All hotels available through The Edit feature 2x Points Boost offers. You can also transfer points at 1:1 ratios to participating airline and hotel loyalty programs.
Restaurant Access: Chase Sapphire Reserve Exclusive Tables on OpenTable provides access to reservations at select restaurants for both primary and employee cards.
Credit Line Flexibility: Choose between a Pay in Full credit line requiring monthly payment in full, or Flex for Business allowing payments over time with interest charges.
No Foreign Transaction Fees: International purchases don’t incur additional fees, making the card suitable for global business operations.
The Verdict
The Chase Sapphire Reserve for Business presents a mixed value proposition that will appeal to some business owners while leaving others looking elsewhere. The card offers strong earning rates on travel and advertising spending, plus comprehensive travel benefits that suit frequent business travelers.
However, the $795 annual fee requires careful consideration of whether you’ll actually use the various statement credits offered. Many of the credits function like a coupon book, requiring specific spending with designated merchants like ZipRecruiter, Google Workspace, and The Edit hotels, which may not align with every business’s needs or budget.
The card’s earning structure focuses heavily on travel while omitting common business categories like dining, which limits its utility as a single-card solution for many businesses. Whether this card makes sense depends largely on your specific spending patterns and willingness to actively manage multiple statement credits throughout the year.
