Sapphire Reserve for Business Credit Card
200,000 points after you spend $30,000 in 6 months. $795 a year.
- Welcome offer
- Issuer's pagechase.com
“New Cardmember Bonus – 200,000 Points: To qualify, you must make $30,000 in purchases during the first 6 months from account opening.”
- Annual fee
- Issuer's pagechase.com
“$795 annual fee † Opens pricing and terms in new window ; Employee Cards at no additional cost * |”
- Foreign transaction fee
- Issuer's pagechase.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$675 | −$675 |
| Typical spender | −$495 | −$495 |
| Heavy spender | $1,865 | −$135 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: welcome bonus needs $30,000 in 6 months; not counted: 4x flights and hotels booked direct.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
Welcome offer
200,000 points
After you spend $30,000 on purchases in your first 6 months.
After qualifying, allow 6 to 8 weeks for the bonus to post. The account must be open and not in default at the time of fulfillment. The bonus may not be available to applicants who have ever had this card, and Chase may consider factors pertinent to the business.
Spending it takes$5,000 a monthfor 6 months
Tracking sinceSep 29, 2026history will chart every change
How you earn · Chase Ultimate Rewards
- 8× pointsall purchases through Chase Travel
- 5× pointsqualifying Lyft products and services purchased through the Lyft mobile application
- 4× pointsflights and hotels booked direct
- 3× pointssocial media and search engine advertising purchases
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagechase.com “$795 annual fee † Opens pricing and terms in new window ; Employee Cards at no additional cost * |” |
|---|---|
| Foreign transactions | Issuer's pagechase.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Annual Travel Credit: $300 annual
- Credit for select Chase Travel Hotels: $250 annual
- The Edit statement credit: $500 annual
- Global Entry, TSA PreCheck or NEXUS application fee credit: $120 every 4 years
- Google Workspace credit: $200 annual
- ZipRecruiter credit: $400 annual
- Lyft in-app credit: $10 monthly
- Curated gift card credit: $100 annual
- The Shops at Chase credit after qualifying spend: $500 other
- Southwest Airlines Chase Travel credit after qualifying spend: $500 other
- Up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS application fees.
- Complimentary access to Chase Sapphire Lounges by The Club with up to two guests.
- Priority Pass Select membership with access to 1,300+ participating airport lounges and select airport experiences worldwide, with up to two guests.
- Complimentary access for the cardmember and one guest to participating Air Canada Maple Leaf Lounges and Air Canada Cafés in Canada, the United States, and Europe when departing on a Star Alliance member airline flight. Employee cardmembers are not eligible for these lounge benefits but may access lounges as guests of the primary cardmember.
- IHG One Rewards Platinum Elite status through 12/31/2027, after activation and linking an IHG One Rewards account.
- After spending $120,000 in purchases during a calendar year: World of Hyatt Explorist status, IHG One Rewards Diamond Elite status, and Southwest Rapid Rewards A-List status, subject to the stated activation and validity periods.
- The Edit Hotel and Resort Collection benefits include a $100 property credit, daily breakfast for two, complimentary Wi-Fi, a room upgrade, and early check-in/late check-out; benefits are subject to availability and vary by property.
- Points Boost may increase the value of points to up to 1.5x or 2x on select flights and hotels booked through Chase Travel.
- Up to $10 in monthly Lyft in-app credits for qualifying rides through 09/30/2027; unused credits expire monthly.
- At least 12 months of complimentary DashPass for DoorDash and Caviar when activated by 12/31/2027.
- DashPass members receive one $5 monthly DoorDash restaurant-order promotion and two $10 monthly promotions for qualifying non-restaurant orders, through the stated promotional period.
- Avis, Hertz, and National car-rental discounts and benefits, including up to 30% off Avis base rates and up to 25% off National qualifying rentals.
- Visa Infinite Concierge service.
- No foreign transaction fees.
- Business features include employee cards at no additional cost, employee spending limits, account alerts, quarterly reports, statement history, bookkeeping integration, and 24/7 customer service.
- No liability for unauthorized charges, subject to the stated terms.
- Rental car: Up to $75,000
- Baggage: Up to $100 per day for up to 5 days
- Emergency assistance: Up to $100,000
- Emergency assistance: Up to $2,500
- Baggage: Up to $3,000 per covered traveler
- Roadside: Up to $50 per incident, 4 times a year
- Travel accident: Up to $1,000,000
- Trip cancellation: Up to $10,000 per covered traveler and $20,000 per trip
- Trip delay: Up to $500 per covered traveler
- Purchase protection: Up to $10,000 per item
- Return protection: Up to $500 per item and $1,000 per 12-month period
- Cell phone: Up to $1,000 per claim; maximum 3 claims in a 12-month period
- Extended warranty: Additional 1 year, up to 4 years from the purchase date
- Travel accident
Questions
Other points cards with fees over $300
- The American Express GoldAmerican Express · $325 a year+$795 a year
- Bilt PalladiumBilt · $495 a year+$710 a year
- Business GoldAmerican Express · $325 a year+$600 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).