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BECU Cash Back Credit Card vs Sapphire Reserve for Business
Both are well-respected travel cards. The BECU Cash Back Credit Card comes from BECU at $0/yr; the Sapphire Reserve for Business from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,395 more in estimated value) than the BECU Cash Back Credit Card's. Get the Sapphire Reserve for Business first; revisit the BECU Cash Back Credit Card after you've earned that bonus.
| Feature | BECU Cash Back Credit Card | Sapphire Reserve for Business |
|---|---|---|
| Annual fee | $0 | $795 |
| Sign-up bonus | $200 cash back after $2,000 spend in 3 months | 150,000 points |
| Bonus value (est.) | $200 | $2,595 |
| Min spend to unlock bonus | $2,000 in 3 mo | $20,000 in 3 mo |
| Issuer | BECU | Chase |
| Card category | cashback | business |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | chase-ur |
| Headline benefits |
Read the full review
BECU Cash Back Credit Card
$0/yr · $200 cash back after $2,000 spend in 3 months
Read the full review
Sapphire Reserve for Business
$795/yr · 150,000 points
Editorial take: Sapphire Reserve for Business
Common questions
- Which card has the bigger sign-up bonus, BECU Cash Back Credit Card or Sapphire Reserve for Business?
- The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus $200 cash back after $2,000 spend in 3 months (~$200) on the BECU Cash Back Credit Card.
- Is the BECU Cash Back Credit Card's $0 annual fee worth it compared to the Sapphire Reserve for Business?
- The BECU Cash Back Credit Card has no annual fee, so the question is whether the Sapphire Reserve for Business's $795 fee is justified by its perks. If you'll use enough of the Sapphire Reserve for Business's benefits to clear $795 in value annually, it's worth it; otherwise stick with the BECU Cash Back Credit Card.
- Can I have both the BECU Cash Back Credit Card and Sapphire Reserve for Business?
- Yes, since they're from different issuers (BECU and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Cash Back Credit Card or the Sapphire Reserve for Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Cash Back Credit Card: $2,000 spend in 3 months. Sapphire Reserve for Business: $20,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.