Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
Sapphire Reserve for Business℠
LIMITED TIME OFFER
200,000 Bonus Points
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Our Take
McKay MoffittThe Chase Sapphire Reserve for Business℠ is the premium business card we didn’t know we needed. It's full of great travel perks, super nice hotel benefits, and business-friendly credits, all while giving you major earning potential across a variety of spend categories.
Between high-value credits, lounge access, and Chase's new Points Boost redemptions, this card is targeting business owners and frequent travelers alike. And unlike the personal version, you'll get bonus points for flights and hotels booked directly and solid points back on ads, too. If you're a frequent flyer (and fan of business travel cards), this newbie more than deserves your attention.
Comparable Cards
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Pros & Cons
Pros
High bonus categories for both personal and business spend
Points Boost offers up to 2x redemption value on select premium hotels and flights via Chase TravelSM
Includes valuable business credits
Sapphire Lounge access and transferable Ultimate Rewards points
Cons
Steep annual fee
Requires high spending for access to max-tier benefits
Rewards Summary
8x points per $1 on airline tickets, hotels (including The EditSM, car rentals, cruises, activities, and tours through Chase TravelSM
5x points per $1 on Lyft rides (through 9/30/2027)
4x points per $1 on flights and hotels booked directly
3x points per $1 on social media and search engine advertising advertising
1x points per $1 on all other purchases
Additional Benefits
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase TravelSM, plus $3,000+ in annual value through travel and business benefits.
- $300 annual travel credit (applies automatically to travel purchases)
- $500 annual hotel credit through The Edit by Chase Travel (up to $250 biannual, 2-night minimum required)
- Up to $120 statement credit for Global Entry, TSA PreCheck®, or NEXUS (every four years)
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority PassTM Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Points Boost: Redeem points at up to 2x for premium hotels and flights with select airlines and hotels, via Chase Travel
- Shared perks like DoorDash, Lyft, Peloton credits, and more
- Travel protections including trip delay/cancellation, primary rental coverage, and purchase protection
- Business-focused credits: Up to $400 ZipRecruiter credit ($200 biannual), up to $200 Google Workspace credit, and up to $100 Giftcards.com credit ($50 biannual)
- Premium benefits unlocked after $120,000 spend each calendar year: IHG One Rewards Diamond Elite Status, Southwest Airlines A-List Status and a $500 Southwest Airlines credit when booked through Chase Travel, and a $500 credit to The Shops at Chase
How to make the most of your Sapphire Reserve for Business℠
This card is packed with value but only if you take full advantage of what it offers.
[.dontreco] We don’t recommend: Turning points into cash back or gift cards at a flat 1 cent per point. [.dontreco]
It’s the least valuable redemption option and doesn’t reflect the premium vibe of this card. If that’s your main goal, a flat-rate cash-back card makes more sense.
[.sometimesreco] We sometimes recommend: Using the Chase Travel Portal. [.sometimesreco]
When award availability is limited, or when cash prices are unusually low, redeeming through Chase Travel at a fixed rate (and now up to 2x with Points Boost) can give you great value. You’ll also earn points on cash bookings through the portal, which isn’t always the case with other travel redemptions.
[.alwaysreco] We always recommend: Transferring your Ultimate Rewards points to Chase’s airline and hotel partners. [.alwaysreco]
This is where the real magic happens. With a little flexibility and research, you can get incredible value. And now, combine this with the Points Boost feature, and things are going to get even sweeter.
Transfer Partners
Gosh, I just love transfer partners — don't you? Plus, Chase makes it pretty easy to transfer those points:
- Log in to your Chase account
- Click “points” > three-dot menu > “Transfer to Travel Partners”
- Choose your program, enter your loyalty number, and confirm transfer
Boom. Your points are now in airline/hotel territory and ready to be redeemed.
Program Name
Transfer Ratio
Air Canada
1:1
Air France/KLM
1:1
British Airways
1:1
IHG
1:1
Iberia
1:1
JetBlue
1:1
Marriott Bonvoy
1:1
Singapore Airlines
1:1
Southwest Airlines
1:1
United Airlines
1:1
Virgin Atlantic
1:1
World of Hyatt
1:1
1:1
Offer History
Offer Dates
Offer Details
- Current Offer since Jun 2026Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
- Jan 2026 through Jun 2026Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- Dec 2025 through Jan 2026Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $6,500 in total business and travel value in your first year.
- Jun 2025 through Dec 2025Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
Who Should Get The Sapphire Reserve for Business℠?
1. The High-Spending Business Owner
If you’re regularly spending five or six figures annually on your business, whether that’s flights, hotels, ads, or general operations, this card is going to pay for itself pretty quickly. With travel credits, Points Boost, lounge access, and business-friendly statement credits, it’ll reward you well. And, if you're running ads on Facebook, Instagram, or Google, you’ll earn points back on every dollar.
2. The Boujee Business Traveler
Whether you’re flying out for client meetings, conferences, or personal retreats that just happen to be "work-adjacent," this card helps you do it all with some finer touches. From Sapphire Lounge access and hotel credits at The Edit to high-value transfers to Hyatt, United, and more, you’re covered.
3. The Points Person
If you’ve already mastered the Chase trifecta and are deep into the world of redemptions, this card will feel like an upgrade in every way. From premium redemptions with Points Boost to flexible transfer options, you're looking at one of the highest potential redemption rates on the market (with a little business flare).
Who Should Not Get The Sapphire Reserve for Business℠?
If you’re not spending much on travel or advertising (or prefer simple cash-back rewards) this card might be a little overkill. Also, if you won’t use the perks like Chase Travel bookings or lounges, a lower-fee card like the Ink Business Cash® or Capital One Spark might make more sense for you.
Recommended Credit
Good to excellent credit is recommended for the Sapphire Reserve Business. Not sure where you stand? Don’t sweat it — Chase has reconsideration lines, and we’ve seen people approved after a quick call.
Note: This is not a beginner card. If you have poor credit history (or a small number of open accounts) consider working your way up the credit card ladder before applying to this premium card.
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Frequently Asked Questions (FAQs)
What’s the 5/24 rule for Chase?
The 5/24 rule means Chase will likely deny your application if you’ve opened five or more personal credit cards from any bank in the past 24 months.
Is the Ink Business Preferred or Sapphire Reserve for Business better?
The Ink Business Preferred is better for people who want solid value for a small fee, while the Sapphire Reserve for Business is great for luxury travel perks and higher spend. Either way, you’re earning valuable Ultimate Rewards.
Can you hold both the personal and business Sapphire Reserve?
Yes, you can hold both versions of the Sapphire Reserve, which opens up a ton of strategy if you're wanting to separate business and personal spending, or take advantage of different perks.
Our Experts
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.