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Sapphire Reserve for Business vs SoFi Everyday Cash Rewards
Both are well-respected travel cards. The Sapphire Reserve for Business comes from Chase at $795/yr; the SoFi Everyday Cash Rewards from SoFi 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 SoFi Everyday Cash Rewards's. Get the Sapphire Reserve for Business first; revisit the SoFi Everyday Cash Rewards after you've earned that bonus.
| Feature | Sapphire Reserve for Business | SoFi Everyday Cash Rewards |
|---|---|---|
| Annual fee | $795 | $0 |
| Sign-up bonus | 150,000 points | None publicly advertised |
| Bonus value (est.) | $2,595 | $0 |
| Min spend to unlock bonus | $20,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | SoFi |
| Card category | 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
SoFi Everyday Cash Rewards
$0/yr · None publicly advertised
Editorial take: SoFi Everyday Cash Rewards
Common questions
- Which card has the bigger sign-up bonus, Sapphire Reserve for Business or SoFi Everyday Cash Rewards?
- The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus None publicly advertised (~$0) on the SoFi Everyday Cash Rewards.
- Is the Sapphire Reserve for Business's $795 annual fee worth it compared to the SoFi Everyday Cash Rewards?
- 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 SoFi Everyday Cash Rewards at $0/yr trades some perks for a lower commitment.
- Can I have both the Sapphire Reserve for Business and SoFi Everyday Cash Rewards?
- Yes, since they're from different issuers (Chase and SoFi) 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 SoFi Everyday Cash Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sapphire Reserve for Business: $20,000 spend in 3 months. SoFi Everyday Cash Rewards: $0 in 0 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.