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In a world where every dollar matters and time is in short supply, the new Sapphire Reserve for Business℠ is rushing in to be the game changer small businesses need. This high-powered card is designed to offer incredible value, next-level travel perks and serious business support. Here’s why businesses everywhere are about to fall in love.
1. Bonus Categories That Maximize Every Swipe
One of the first things you’ll notice about the Sapphire Reserve for Business is its spectacular earnings structure in select categories:
- 8 points per dollar on Chase Travel purchases
- 5 total points per dollar spent on eligible Lyft rides (through Sept. 30, 2027)
- 4 points per dollar on flights and hotels booked direct
- 3 points per dollar on social media and search engine advertising
- 1 point per dollar on all other purchases
It’s not unusual to find such high earning rates on travel booked through a card’s proprietary portal, but the other categories go above and beyond most other business credit cards. The ability to earn accelerated rewards on hotels and flights when booked directly adds an extra layer of reward potential, while also allowing you to enjoy loyalty rewards and elite benefits from the airline or hotel itself.
The business spending categories are unbeatable and don’t have caps or spending limits, which is another major advantage for small businesses with spending in social media or search engine advertising. Points never expire as long as your card account remains open and in good standing.
Best of all, the card also extends a tremendous welcome offer to new cardholders: 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.
2. Premium Travel Benefits at Every Step
Make no mistake: This is a travel credit card, albeit one with businesses in mind. Whether you travel frequently to take care of business or are looking for travel perks to optimize your time off, you’ll love everything the Sapphire Reserve for Business provides.
Like the personal Chase Sapphire Reserve®, the business card offers the most flexible travel credit available on the market. Cardholders can earn up to $300 in statement credits each year when using their card to pay for travel purchases—including your choice of flights, hotels, car rentals, cruises and more. Another coveted perk is the lounge access included with this card—primary cardholders receive access to the network of Chase Sapphire Lounge by The Club locations, including guest access for up to two travel companions each visit.
Cardholders can also earn up to $500 in credit when booking prepaid stays for a minimum of two nights with The Edit by Chase Travel ($250 from January through June and again from July through December). These curated properties also lavish you with additional perks during your stay, such as a $100 property credit and daily breakfast for two.
A comprehensive suite of travel protections, complimentary IHG One Rewards Platinum Elite status, credits toward Global Entry or TSA PreCheck application fees and no foreign transaction fees are also available.
3. Business-First Design With No-Nonsense Credits
The Sapphire Reserve for Business isn’t shy about the more than $1,200 in annual savings infused through potential card credits and memberships. That’s a serious ROI for business owners, despite the card’s $795 annual fee.
Cardholders can earn:
- Up to $400 per year in credits with ZipRecruiter, payable as two $200 semiannual credits.
- Up to $300 in DoorDash discounts, which includes two $10 promos per month to spend on nonrestaurant orders and $5 per month in restaurant promotions. A complimentary DashPass subscription (value of $120 per year) is also included.
- Up to $200 in Google Workspace credit when using your card to pay.
- Up to $120 in Lyft ride credits provided as $10 in-app credits monthly.
- Up to $100 in credit for Giftcards.com purchases, available as $50 each from January through June and July through December.
Cardholders can get additional value through employee cards at no extra cost, the flexibility to pay over time through Chase’s Flex for Business program and a purchase protection benefit.
4. Some of the Most Flexible Redemptions in the Industry
Chase Ultimate Rewards® has several advantages over other flexible credit card currencies. For one, cardholders always have the option to redeem points toward cash back at a rate of 1 cent per point. Secondly, the card offers multiple ways to potentially receive a value greater than 1 cent per point through strategic travel redemptions.
Arguably the card’s strongest redemption options, Ultimate Rewards can be transferred to a long list of airline and hotel partners:
After your points have been transferred—which is often completed instantly—you can reserve award flights and hotel stays directly through the named program. This frequently leads to redemption values of 5 cents per point on luxury travel, but it’s not unheard of to get 2 cents or more, even with economy flights or value hotels.
Plus, you’ll enjoy access to Points Boost redemptions, allowing you to redeem Ultimate Rewards at up to double the usual value when booking designated flights and hotels through Chase Travel.
5. Built-In Incentives for Higher Spending
All of the above benefits are available to all cardholders, regardless of how much you use your credit card.
However, spend $120,000 in a year and the rewards really start to shine:
- Receive an upgrade to top-tier IHG One Rewards Diamond Elite status
- Receive an upgrade to Southwest Airlines A-List status
- $500 in credit to use toward Southwest flights booked through Chase Travel
- $500 in credit for use on merchandise available through The Shops at Chase
Not all companies will be able to hit that spending threshold every year, but those that do will be handsomely rewarded for their loyalty.
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Bottom Line
Given its high annual fee, the Sapphire Reserve for Business℠ isn’t for everyone. But the card stands out especially for companies with a travel focus. From airport lounges to extraordinary rewards, Chase designed this card for globetrotters who don’t want to compromise utility. Anyone who can unlock even a fraction of the value from the card’s perks and credits will agree: This isn’t just a credit card, it’s a smart business move.