Sapphire Reserve for Business is Chase’s premium business travel card for business owners with significant travel and operating expenses.
The card earns 8X Ultimate Rewards points on purchases through Chase Travel, including The Edit, 4X on flights and hotels booked directly, and 3X on social media and search engine advertising. It also includes premium travel benefits such as an annual travel credit, airport lounge access, hotel credits, and multiple business statement credits. Chase
With a US$795 annual fee and no foreign transaction fee, this card is best suited to businesses that can actively use its travel and business benefits.
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Sapphire Reserve for Business Benefits
| Benefit | Sapphire Reserve for Business |
|---|---|
| Annual Fee | US$795 |
| Employee Cards | No additional cost |
| Chase Travel, including The Edit | 8X UR |
| Flights & Hotels Booked Direct | 4X UR |
| Social Media & Search Engine Advertising | 3X UR |
| Lyft | 5X through 9/30/27 |
| All Other Purchases | 1X UR |
| Annual Travel Credit | Up to $300 |
| The Edit Credit | Up to $500 / year |
| Select Chase Travel Hotel Credit | Up to $250 in 2026 |
| Chase Sapphire Lounge | Access + up to 2 guests |
| Priority Pass Select | 1,300+ lounges + up to 2 guests |
| Global Entry / TSA PreCheck / NEXUS | Up to $120 every 4 years |
| IHG One Rewards Status | Platinum Elite through 12/31/27 |
| Google Workspace Credit | Up to $200 / year through 12/31/27 |
| ZipRecruiter Credit | Up to $400 / year |
| Lyft Credit | Up to $120 / year through 9/30/27 |
| DoorDash Benefits | Up to $420 in value |
| Curated Gift Card Credit | Up to $100 / year |
| Foreign Transaction Fee | 0% |
| Card Type | Pay in Full |
| Best For | Premium Business Travel + UR |
The $300 Annual Travel Credit applies automatically to eligible travel purchases. The Edit offers up to $500 in annual statement credits, while eligible prepaid stays at select Chase Travel hotels can receive another $250 in statement credits during 2026. Some credits require minimum stays or other conditions.
The primary cardmember also receives complimentary access to Chase Sapphire Lounge by The Club and 1,300+ Priority Pass lounges, with up to two accompanying guests. Employee cardmembers do not independently receive these lounge benefits. Chase
Is Sapphire Reserve for Business Worth It?
Sapphire Reserve for Business is built for businesses that spend heavily on travel and can actually use its premium credits.
Its three most important earning categories are:
8X Chase Travel
4X Flights & Hotels Booked Direct
3X Social Media & Search Advertising
For businesses with frequent travel, the combination of the $300 Annual Travel Credit, The Edit credits, Sapphire Lounge and Priority Pass access can help offset the US$795 annual fee.
The card is also particularly useful for international business spending because it has no foreign transaction fee.
If your primary goal is simply earning transferable Ultimate Rewards points without needing premium travel benefits, Ink Business Preferred may be the more economical option.
Sapphire Reserve for Business Historical Welcome Offers
| Date | Public Welcome Offer | Minimum Spend |
|---|---|---|
| Jun. 2025 | 200K UR Points | $30,000 / 6 months |
| Jan. 2026 | 150K UR Points | $20,000 / 3 months |
| Jun. 2026 | 200K UR Points | $30,000 / 6 months |
Public offers only. Targeted, referral, branch, mail, and other personalized offers are excluded.
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Chase Ultimate Rewards Credit Card Comparison
Chase credit cards can be divided into Personal Cards and Business Cards, while the Ultimate Rewards ecosystem includes both Cash Back and Points-focused products.
General users can choose cards based on everyday spending, travel, or business expenses. Points and miles enthusiasts can combine different Chase Cards to earn Ultimate Rewards and use cards with Transfer Partner access to build a complete Chase Ultimate Rewards Ecosystem.
Personal Credit Cards
| Credit Card | Annual Fee | Core Role | Foreign Transaction Fee |
|---|---|---|---|
| Freedom Flex | $0 | Quarterly 5X | 3% |
| Freedom Unlimited | $0 | Everyday 1.5X | 3% |
| Freedom Rise | $0 | 1.5X / Build Credit | 3% |
| Sapphire Preferred | US$95 | Travel + UR Transfers | 0% |
| Sapphire Reserve | US$795 | Premium Travel + UR Transfers | 0% |
Business Credit Cards
| Credit Card | Annual Fee | Core Role | Foreign Transaction Fee |
|---|---|---|---|
| Ink Business Cash | $0 | Up to 5X Business Categories | 3% |
| Ink Business Unlimited | $0 | Unlimited 1.5X Business Spending | 3% |
| Ink Business Preferred | US$95 | 3X Business Categories + UR Transfers | 0% |
| Ink Business Premier | US$195 | Large Purchases up to 2.5% Cash Back | 0% |
| Sapphire Reserve for Business | US$795 | Premium Business Travel + UR Transfers | 0% |
Application Rules & Restrictions
When applying for Chase credit cards, keep these key rules in mind:
– 5/24 Rule: If you have opened 5 or more credit card accounts that appear on your personal credit report within the past 24 months, it will generally affect your ability to get approved for a new Chase Card. Most Business Cards that do not report to personal credit reports generally do not add to your 5/24 count.
– Welcome Offer Eligibility: Different Chase Cards have their own Welcome Offer restrictions, and some products also have Card Family Restrictions. Being under 5/24 does not necessarily mean you are eligible for a Welcome Offer.
– Application Timing: Chase does not publish a simple fixed application interval, but submitting multiple Chase applications within a short period may affect approval.
A simple Chase application strategy is:
Check 5/24 → Check Welcome Offer / Family Eligibility → Submit Application
Actual application and Welcome Offer Eligibility requirements are subject to the current terms of each Chase Card.
How Can Foreigners Apply for Chase Credit Cards?
Foreign applicants generally need to establish some U.S. Credit History before applying for Chase credit cards.
If you are new to the U.S. credit card market, one strategy is to first obtain a U.S. Amex through Amex Global Transfer, build your U.S. credit history, and then consider applying for Chase.
Amex Global Transfer → U.S. Amex → Build U.S. Credit History → Chase
Applicants must still meet Chase’s current requirements regarding identification, address, credit history, and other application criteria.
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