Sapphire Reserve for Business℠ Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

Packed with premium travel perks, credits for powerful business tools, and rewards for everyday spending, the Sapphire Reserve for Business℠ card offers enough value to offset its annual fee – more than three times over.

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Sapphire Reserve for Business card art Rates & Fees

Sapphire Reserve for Business℠

4.5 BCC Score
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Welcome Offer
Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.
Rewards Rate
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours. Earn 5x total points on Lyft rides through 9/30/27. Earn 4x points on flights & hotels booked direct. Earn 3x points on social media & search engine advertising. Earn 1x points on all other purchases.
Intro APR
N/A, then Flex for Business Variable APR: 17.74% - 28.49%
Annual Fee
$795
Credit Score Needed
Good, Excellent
Card Brand
Visa®
  • Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
  • $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
  • Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
  • Earn 5x total points on Lyft rides through 9/30/27.
  • Earn 4x points on flights & hotels booked direct.
  • Earn 3x points on social media & search engine advertising.
  • Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
  • Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
  • Member FDIC

Pros

  • This card gives you $3,000+ in annual value through travel and business benefits.
  • New cardmembers can earn a massive welcome offer after meeting spending requirements.
  • Enjoy a treasure trove of travel perks, like no foreign transaction fees, various statement credits, and complimentary access to the Chase Sapphire Lounge® by The Club network.

Cons

  • The annual fee is quite high, and it isn't waived for the first year like some other business cards.
  • There is no intro APR on purchases or balance transfers.

OUR EXPERT REVIEW

Why We Like It

There's no business card quite like the Sapphire Reserve for Business℠ card. While some may initially turn away at the high annual fee, it's well worth a second glance for business owners who spend consistently on travel and business tools. Cardholders enjoy a strong rewards rate: Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours. Earn 5x total points on Lyft rides through 9/30/27. Earn 4x points on flights & hotels booked direct. Earn 3x points on social media & search engine advertising. Earn 1x points on all other purchases. That means every business purchase you make earns you at least 1x points – and there's no cap on your earnings. Additionally, new cardholders earn an astronomical 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.

The perks and credits available with the Sapphire Reserve for Business℠ card make it truly one-of-a-kind. Cardholders get up to $300 in statement credits each anniversary year on travel purchases, up to $500 automatic statement credits annually for​ bookings made with The Edit (with a maximum of $250 per transaction and a two-night minimum required), complimentary Priority Pass™ Select membership, up to $400 in annual statement credits on purchases made directly with ZipRecruiter, up to $200 in annual statement credits on purchases made directly on Google Workspace, and so much more. Combine the initial welcome offer with the advantageous credits that come around year after year, and it's clear why so many business owners are turning to this card.

Pros & Cons

Pros

  • This card gives you $3,000+ in annual value through travel and business benefits.
  • New cardmembers can earn a massive welcome offer after meeting spending requirements.
  • Enjoy a treasure trove of travel perks, like no foreign transaction fees, various statement credits, and complimentary access to the Chase Sapphire Lounge® by The Club network.

Cons

  • The annual fee is quite high, and it isn't waived for the first year like some other business cards.
  • There is no intro APR on purchases or balance transfers.

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