Sapphire Reserve for Business℠ Credit Card
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Sapphire Reserve for Business℠ Credit Card from Chase earns up to 4% effective value on travel in Madeen's catalog snapshot. Its annual fee is $795. New applicants may see: Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening..
- Top category
- Travel
- Effective value
- 4%
- Annual fee
- $795
Worth a look for travel spend if you need a business card and can use Chase Ultimate Rewards the way you redeem today. Best for spenders who put meaningful volume in travel and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Sapphire Reserve for Business℠ Credit Card earn in each category?
Travel is the strongest category at 4% effective value (4x points at about 1 cents each). That travel rate ranks higher than about 99% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Sapphire Reserve for Business℠ Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals.
Travel is the strongest category at 4% effective value (4x points at about 1 cents each). That travel rate ranks higher than about 99% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Sapphire Reserve for Business℠ Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 4x points | 4% Top category |
| Other General everyday spend | 1x points | 1% |
Madeen values Chase Ultimate Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Sapphire Reserve for Business℠ Credit Card reward caps and conditions?
The Sapphire Reserve for Business℠ Credit Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 4x points on flights purchased direct
- 4x points on hotels purchased direct
Who should get the Sapphire Reserve for Business℠ Credit Card?
The Sapphire Reserve for Business℠ Credit Card fits spenders who put meaningful volume in travel and can earn 4x points. Best for spenders who put meaningful volume in travel and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Sapphire Reserve for Business℠ Credit Card fits spenders who put meaningful volume in travel and can earn 4x points. Madeen ranks its travel effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in travel and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for travel spend if you need a business card and can use Chase Ultimate Rewards the way you redeem today.
Pros
- Strongest Madeen category is travel at about 4% effective (4x points).
- That travel rate ranks higher than about 99% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $795 annual fee requires enough spend in bonus categories to offset.
- Chase Ultimate Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Sapphire Reserve for Business℠ Credit Card welcome bonus?
In Madeen's catalog snapshot, the Sapphire Reserve for Business℠ Credit Card welcome offer is Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 200k Chase Ultimate Rewards (~$2000 estimated)
- Terms (catalog snapshot)
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
- Minimum spend
- $30,000
- Window
- 3Months
Does the Sapphire Reserve for Business℠ Credit Card have an annual fee?
The Sapphire Reserve for Business℠ Credit Card has an annual fee of $795 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $795
- Foreign transaction fee
- None
What travel perks does the Sapphire Reserve for Business℠ Credit Card include?
The Sapphire Reserve for Business℠ Credit Card includes Trusted traveler credit, Lounge access, $100 Curated Gift Card Credit, $120 DashPass membership and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
Lounge access
Enjoy complimentary access to every Chase Sapphire Lounge by The Club with up to two guests, plus access to 1,300+ Priority Pass airport lounges worldwide. Also get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.
What benefits come with the Sapphire Reserve for Business℠ Credit Card?
$400 ZipRecruiter Credit
$400/yr4 out of 5 employers who post on ZipRecruiter get a quality candidate in 1 day. Find yours and enjoy up to $400 in annual statement credits on purchases made directly with ZipRecruiter. You'll earn up to $200 in statement credits January through June and up to $200 in statement credits July through December.
$300 Annual Travel Credit
$300/yrYou have the freedom to take your business anywhere with the most flexible travel credit available. Receive up to $300 in statement credits each anniversary year.
$300 DoorDash promos
$300/yrDashPass members get up to $25 each month to spend on DoorDash, which includes a $5 monthly promo to spend on restaurant orders and two $10 promos each month to save on groceries, retail orders, and more.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets plus you can access 7-day Visa Exclusive Presale opportunities.
$200 Google Workspace Credit
$200/yrGet business tools that fuel innovation with Google Workspace. Tackle your biggest challenges and accelerate growth with a suite of easy-to-use tools for work. Get Google AI in Gmail, Calendar, Drive, Meet, NotebookLM and more, and earn up to $200 in annual statement credits on purchases made directly on Google Workspace.
Visa Infinite Concierge Services
$150/yrEnjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
$120 DashPass membership
$120/yrGet complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders.
$120 Global Entry or TSA PreCheck® or NEXUS Fee Credit
$120/yrReceive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
$120 Lyft Credit
$120/yrLyft members get access to up to $10 in monthly in-app credits, up to $120 annually, to use on rides through 9/30/27.
OpenTable
$120/yrUnlock primetime reservations at some of the hottest restaurants in select cities with OpenTable and your eligible Visa card.
$100 Curated Gift Card Credit
$100/yrEarn up to $100 per year in statement credits when you purchase gift cards from a curated collection on giftcards.com/reservebusiness. You'll earn up to $50 in statement credits January through June and up to $50 July through December.
Access our network of airport lounges
$99/yrEnjoy access to our growing Chase Sapphire Lounge® by The Club network. Plus, work uninterrupted around the world with access to 1,300+ airport lounges with your complimentary Priority Pass Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Related encyclopedia topics
Common questions about the Sapphire Reserve for Business℠ Credit Card
Where do cardholders spend most with the Sapphire Reserve for Business℠ Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (4x), lodging (4x) for the Sapphire Reserve for Business℠ Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is Chase Sapphire Reserve for Business worth it?
The Sapphire Reserve for Business℠ Credit Card from Chase earns up to 4% effective value on travel in Madeen's catalog snapshot. Its annual fee is $795. New applicants may see: Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening..
How to avoid Chase Sapphire Reserve annual fee?
The Sapphire Reserve for Business℠ Credit Card carries an annual fee of $795 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
Does the Sapphire Reserve for Business℠ Credit Card have an annual fee?
The Sapphire Reserve for Business℠ Credit Card carries an annual fee of $795 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Sapphire Reserve for Business℠ Credit Card?
Travel is the strongest Madeen category for the Sapphire Reserve for Business℠ Credit Card at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Sapphire Reserve for Business℠ Credit Card charge foreign transaction fees?
The Sapphire Reserve for Business℠ Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the Sapphire Reserve for Business℠ Credit Card compare to similar cards?
Compare the Sapphire Reserve for Business℠ Credit Card against Chase Sapphire Reserve Credit Card (4% on Travel, $795 fee); J.P. Morgan Reserve (4% on Travel, $795 fee); British Airways Visa Signature Credit Card (2.5% on Travel, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Sapphire Reserve for Business℠ Credit Card This card | Travel | 4% | $795 |
| Travel | 4% | $795 | |
Chase | Travel | 4% | $795 |
| Travel | 2.5% | $95 | |
| Travel | 2.4% | $450 |
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure