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Pros & Cons
Pros
- +Welcome Bonus: 80,000 points
- +Up to 4x on travel
- +Lounge access included
Cons
- –High annual fee ($795/yr)
Our Review
Elevate Your Business Travel with the Chase Sapphire Reserve® Business Card
- 80,000 bonus points after $5,000 in purchases within your first 3 months
- 3× points on travel and dining
- 1.5× points on all other purchases
- $300 annual travel credit—automatically applied to any travel purchase
- $120 Global Entry/TSA PreCheck® credit every four years
- Unlimited lounge access through Priority Pass™ Select and the Chase Sapphire Lounges ℠
- No foreign transaction fees
- $550 annual fee
Designed for small‑business owners who demand premium perks, the Sapphire Reserve® Business card turbocharges your points on every trip and meal, then offsets its cost with robust travel credits. Manage employee cards at no extra cost, pool rewards instantly, and tap into concierge service and enhanced trip protections—trip cancellation, baggage delay and more—to keep your team moving smoothly. Redeem your points flexibly for flights, hotels, transfers to leading airline and hotel partners, or statement credits against any purchase.
Terms apply. Bonus requires qualifying spend. Travel credit applies on travel-related charges. Credits and benefits require enrollment where applicable. See issuer for complete details.
Rewards
All Spending
1x
Chase Ultimate Rewards pts per dollar
Travel
4x
Chase Ultimate Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
35,400
Chase Ultimate Rewards/yr
Estimated Value
$354
After Fees
$-441
1st Year Value
$659
incl. welcome bonus
Breakdown
Annual benefits
- $300
- $500
- $400
- $200
- $120
- $100
- $300
Perks & Benefits
Airport lounge access
Concierge
24/7
Annual travel credit
$300
The Edit hotel credit
$500
ZipRecruiter credit
$400
Google Workspace credit
$200
Lyft credit
$120
Giftcards.com credit
$100
DoorDash promos + DashPass
$300
Additional Benefits
- Chase Sapphire Reserve Lounge Network: complimentary access to Chase Sapphire Lounges by The Club and 1,300+ Priority Pass airport lounges worldwide with up to two guests, plus access to select Air Canada Maple Leaf Lounges and Air Canada Cafes in the U.S., Canada and Europe with one guest. These lounge benefits are not available to Employee Cardmembers, who may enter as guests of the primary Cardmember.
- Up to $300 in statement credits for travel purchases each anniversary year.
- Up to $500 annually in automatic statement credits on bookings made with The Edit by Chase Travel, up to $250 per transaction.
- Up to $200 in annual statement credits on purchases made directly with Google Workspace and up to $400 in annual statement credits with ZipRecruiter.
- Up to $120 statement credit every four years as reimbursement for the Global Entry, TSA PreCheck or NEXUS application fee.
- Up to $120 a year in Lyft in-app credits through 09/30/2027.
- Complimentary Visa Infinite Concierge Service.
Travel Insurance
Travel Medical
Included
Trip Cancellation
Up to $10,000
Trip Interruption
Up to $10,000
Delayed Baggage
Up to $500
Lost Baggage
Up to $3,000
Flight Delay
Up to $500
Travel Accident
Up to $1,000,000
Purchase Protection
Purchase Protection
Up to $10,000 / 120 days
Extended Warranty
+1 years
Mobile Device
Up to $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad)
Up to $75,000 / 31 days
Fees and interest rates
- Annual Fee$795
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
- $6,500+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase TravelSM, plus $2,500+ in annual value through travel and business benefits.
- Earn 8x points on Chase TravelSM for airline tickets, hotels, including The EditSM, 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 PassTMSelect membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.