Sapphire Reserve for Business
- Annual fee
- $795
- Network
- visa
- Type
- business
It earns 8 points per dollar through Chase Travel, 4 points per dollar on flights and hotels booked directly, 3 points per dollar on social media and search engine advertising, and 1 point per dollar on other purchases.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$2,840 of the advertised value — 84% — comes with strings attached.
- $3,370 advertised across 11 benefits.
- $2,840 (84%) needs a booking, enrollment, or deadline.
- Biggest credit — The Edit on-property benefits, $550 — only via The Edit by Chase Travel.
- $300 annual travel credit ($300) posts automatically. No hoops.
- No-hoops value covers 67% of the annual fee.
- You book travel through The Edit by Chase Travel.
- You'll actually use $300 annual travel credit.
- 8× on purchases made using your card through Chase Travel matches your spend.
- You book direct, not via The Edit by Chase Travel.
- You want the fee covered without chasing — $265 short.
- You'd forget monthly credits.
Welcome offer
Earn 200,000 points after you spend $30,000 in purchases in the first 6 months from account opening.
- Est. value (Perqt)
- ~$2,000
- Minimum spend
- $30,000
- Within
- 6 mo
Earning rates
- All other purchases1×pts
- Top earnPurchases made using your card through Chase Travel8×ptsChase Travel
- Qualifying Lyft products and services purchased through the Lyft mobile application5×pts
- Flights and hotels booked direct4×pts
- Social media and search engine advertising3×pts
On-card benefits & credits
- The Edit on-property benefits$550/One-time
Eligible The Edit reservations receive on-property benefits such as a property credit, daily breakfast for two, and a room upgrade when available.
- $500 The Edit hotel credit$500/Annual
Receive up to $500 annually for prepaid The Edit bookings of at least two nights, capped at $250 per qualifying transaction. Employee cardmembers are not eligible.
- $500 The Shops at Chase credit (Spend Tier)$500/Annual
Unlocks after $120,000 calendar-year spend on the card. Receive up to $500 in statement credits for The Shops at Chase, available for the remainder of the qualifying year through the following year.
- $500 Southwest Airlines Chase Travel credit (Spend Tier)$500/Annual
Unlocks after $120,000 calendar-year spend on the card. Receive up to $500 for Southwest Airlines purchases made through Chase Travel, usable for the remainder of the qualifying year through the following year.
- $300 annual travel credit$300/Annual
Receive up to $300 in automatic statement credits each account anniversary year for purchases in the travel category. Qualifying purchases do not earn points.
- $250 select Chase Travel hotels credit$250/Annual
Through December 31, 2026, receive up to $250 for prepaid Chase Travel stays of at least two nights at listed hotel brands. Qualifying purchases do not earn points.
- $200 Google Workspace credit$200/Annual
Through December 31, 2027, receive up to $200 per calendar year on purchases made directly with Google Workspace.
- Complimentary DashPass Membership$120/One-time
Get complimentary DashPass for at least 12 months when activated by December 31, 2027, including $0 delivery fees and reduced service fees on eligible orders.
- Global Entry, TSA PreCheck or NEXUS fee credit$120/One-time
Receive one statement credit of up to $120 every four years for a qualifying Global Entry, TSA PreCheck, or NEXUS application fee charged to the card.
- Monthly DoorDash promos$25/Monthly
Through December 31, 2027, activated DashPass members receive one $5 restaurant-order promo and two separate $10 non-restaurant promos each month. Unused amounts do not roll over.
- Monthly Lyft ride credit$10/Monthly
Through September 30, 2027, receive one $10 Lyft in-app credit each calendar month for eligible rides. Unused monthly credit is forfeited.
- Auto Rental Collision Damage Waiver$0/As needed
Primary coverage for business rentals provides reimbursement for theft and collision damage to most rental vehicles in the U.S. and abroad when the full rental is charged to the card and the rental company's collision insurance is declined.
- Travel and Emergency Assistance Services$0/As needed
Provides legal and medical referrals and access to other emergency-assistance services while traveling away from home; the cardholder pays for goods and services obtained.
- Lost Luggage Reimbursement$0/As needed
Reimburses the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip, up to $3,000 per covered traveler.
- Baggage Delay Insurance$0/As needed
Reimburses essential purchases when baggage is delayed more than six hours, up to $100 per day for up to five days.
- Roadside Assistance$0/As needed
Covers eligible roadside services such as towing, battery assistance, tire changes, locksmith service, or gas up to $50 per incident, four times per year.
- Trip Cancellation and Interruption Insurance$0/As needed
Reimburses prepaid, nonrefundable travel expenses when a covered trip is canceled or interrupted by sickness, severe weather, or another covered event, up to $10,000 per traveler and $20,000 per trip.
- Purchase Protection$0/As needed
Covers eligible new purchases against damage or theft for 120 days from purchase, up to $10,000 per item. New York residents have a 90-day coverage period.
- Travel Accident Insurance$0/As needed
Provides accidental death or dismemberment coverage when eligible air, bus, train, or cruise transportation is paid for with the card.
- Air Canada lounge access$0/Annual
The authorizing officer and one guest receive complimentary access to participating Air Canada Maple Leaf Lounges and Air Canada Cafés when departing on a Star Alliance airline. Employee cardmembers are not eligible.
- Return Protection$0/As needed
Reimburses eligible items a store will not accept within 90 days, up to $500 per item and $1,000 per 12-month period.
- Emergency medical and dental coverage$0/Annual
Reimburses eligible medical expenses when the cardholder or an immediate family member becomes sick or injured while at least 100 miles from home on a trip, subject to a $50 deductible.
- Cell Phone Protection$0/As needed
Covers eligible theft or damage to phones listed on a monthly cell-phone bill paid with the card. Limited to three claims per 12 months with a $100 deductible per claim.
- Extended Warranty$0/As needed
Extends an eligible manufacturer's U.S. warranty by one additional year for warranties of three years or less, up to four years from purchase.
- Emergency Evacuation and Transportation$0/As needed
Covers eligible medical services and transportation when a covered traveler becomes injured or ill on a trip at least 100 miles from home and requires emergency evacuation.
- World of Hyatt Explorist status (Spend Tier)$0/Annual
Unlocks after $120,000 calendar-year spend on the card. The authorizing officer receives World of Hyatt Explorist status for the remainder of the qualifying year, the next year, and through February of the following year.
- Avis Preferred Plus status$0/Annual
Receive automatic enrollment into Avis Preferred Plus as part of the card's rental-car benefits, along with qualifying rental discounts and related privileges.
- IHG One Rewards Platinum Elite Status$0/Annual
The authorizing officer can receive complimentary IHG One Rewards Platinum Elite status through December 31, 2027. Linking an IHG account is required, and employee cardmembers are ineligible.
- No Foreign Transaction Fees$0/As needed
Cardholders pay no foreign transaction fees on purchases made outside the United States.
- National Emerald Club Executive status$0/Annual
Enroll for complimentary National Emerald Club Executive level for one year. Renewal after the first year requires 12 paid rentals or 40 paid rental days in a calendar year.
- Concierge Service$0/As needed
Cardholders receive around-the-clock help booking dining, entertainment, and travel through Visa Infinite Concierge; purchased goods and services remain the cardholder's responsibility.
- Southwest Rapid Rewards A-List status (Spend Tier)$0/Annual
Unlocks after $120,000 calendar-year spend on the card. The authorizing officer receives Southwest Rapid Rewards A-List status for the remainder of the qualifying year and the following year.
- Employee Cards$0/Annual
Add up to 99 employee cards at no additional cost; employee cards receive the same purchase and travel protections as the primary card.
- IHG One Rewards Diamond Elite status (Spend Tier)$0/Annual
Unlocks after $120,000 calendar-year spend on the card. The authorizing officer receives IHG One Rewards Diamond Elite status for the remainder of the qualifying year and the following calendar year.
- 1:1 points transfers$0/Annual
Transfer Ultimate Rewards points at a 1:1 ratio to participating airline and hotel loyalty programs.
- Trip Delay Insurance$0/As needed
Covers unreimbursed expenses such as meals and lodging when common-carrier travel is delayed more than six hours or requires an overnight stay.
- Points Boost on select Chase Travel bookings$0/Annual
Eligible Points Boost offers can make points worth up to 2x for select airline tickets and hotel accommodations booked through Chase Travel.
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