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Sapphire Reserve for Business vs Home Depot Commercial Revolving Charge Card
Both are business travel cards. The Sapphire Reserve for Business comes from Chase at $795/yr; the Home Depot Commercial Revolving Charge Card from Citi Retail Services at $0/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 ($2,595 more in estimated value) than the Home Depot Commercial Revolving Charge Card's. Get the Sapphire Reserve for Business first; revisit the Home Depot Commercial Revolving Charge Card after you've earned that bonus.
| Feature | Sapphire Reserve for Business | Home Depot Commercial Revolving Charge Card |
|---|---|---|
| Annual fee | $795 | $0 |
| Sign-up bonus | 150,000 points | |
| Bonus value (est.) | $2,595 | - |
| Min spend to unlock bonus | $20,000 in 3 mo | - |
| Issuer | Chase | Citi Retail Services |
| Card category | business | business |
| Best earning category (Chase_travel) | 8x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
Read the full review
Sapphire Reserve for Business
$795/yr · 150,000 points
Read the full review
Home Depot Commercial Revolving Charge Card
$0/yr ·
Editorial take: Home Depot Commercial Revolving Charge Card
Common questions
- Which card has the bigger sign-up bonus, Sapphire Reserve for Business or Home Depot Commercial Revolving Charge Card?
- The Sapphire Reserve for Business has a public bonus (150,000 points, worth roughly $2,595), while the Home Depot Commercial Revolving Charge Card doesn't advertise one right now.
- Is the Sapphire Reserve for Business's $795 annual fee worth it compared to the Home Depot Commercial Revolving Charge Card?
- Premium cards like the Sapphire Reserve for Business ($795/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $795+ of those credits, the math works. The Home Depot Commercial Revolving Charge Card at $0/yr trades some perks for a lower commitment.
- Can I have both the Sapphire Reserve for Business and Home Depot Commercial Revolving Charge Card?
- Yes, since they're from different issuers (Chase and Citi Retail Services) 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 Sapphire Reserve for Business or the Home Depot Commercial Revolving Charge Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sapphire Reserve for Business: $20,000 spend in 3 months. Home Depot Commercial Revolving Charge Card: no published min spend. 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.