Sapphire Reserve for Business℠ Credit Card
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 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Travel
- Effective value
- 4%
- Annual fee
- $795
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
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 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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 1,546 cards we track in that category.
| 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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.
Does the Sapphire Reserve for Business℠ Credit Card have an annual fee, and what's the welcome bonus?
The Sapphire Reserve for Business℠ Credit Card has an annual fee of $795 and a foreign transaction fee of None. New applicants may see: Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.. Confirm current issuer terms before applying.
- Annual fee
- $795
- Foreign transaction fee
- None
- Signup bonus
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
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 creditReceive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
- Lounge accessEnjoy 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?
- $100 Curated Gift Card Credit
Earn 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.
- $120 DashPass membership
Get 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
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
- $120 Lyft Credit
Lyft members get access to up to $10 in monthly in-app credits, up to $120 annually, to use on rides through 9/30/27.
- $200 Google Workspace Credit
Get 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.
- $300 Annual Travel Credit
You 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
DashPass 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.
- $400 ZipRecruiter Credit
4 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.
Common questions about the Sapphire Reserve for Business℠ Credit Card
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Sapphire Reserve for Business℠ Credit Card welcome bonus?
The Sapphire Reserve for Business℠ Credit Card welcome offer in our snapshot: Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Sapphire Reserve for Business℠ Credit Card annual fee worth it?
Whether the $795 annual fee pays off depends on how much you spend in travel and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Sapphire Reserve for Business℠ Credit Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Sapphire Reserve for Business℠ Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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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