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Sapphire Reserve for Business vs Truist Enjoy Beyond Credit Card
Both are well-respected travel cards. The Sapphire Reserve for Business comes from Chase at $795/yr; the Truist Enjoy Beyond Credit Card from Truist at $95/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 ($2,295 more in estimated value) than the Truist Enjoy Beyond Credit Card's. Get the Sapphire Reserve for Business first; revisit the Truist Enjoy Beyond Credit Card after you've earned that bonus.
| Feature | Sapphire Reserve for Business | Truist Enjoy Beyond Credit Card |
|---|---|---|
| Annual fee | $795 | $95 |
| Sign-up bonus | 150,000 points | 30,000 bonus points |
| Bonus value (est.) | $2,595 | $300 |
| Min spend to unlock bonus | $20,000 in 3 mo | $1,500 in 3 mo |
| Issuer | Chase | Truist |
| Card category | business | travel |
| 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
Truist Enjoy Beyond Credit Card
$95/yr · 30,000 bonus points
Editorial take: Truist Enjoy Beyond Credit Card
Common questions
- Which card has the bigger sign-up bonus, Sapphire Reserve for Business or Truist Enjoy Beyond Credit Card?
- The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus 30,000 bonus points (~$300) on the Truist Enjoy Beyond Credit Card.
- Is the Sapphire Reserve for Business's $795 annual fee worth it compared to the Truist Enjoy Beyond Credit 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 Truist Enjoy Beyond Credit Card at $95/yr trades some perks for a lower commitment.
- Can I have both the Sapphire Reserve for Business and Truist Enjoy Beyond Credit Card?
- Yes, since they're from different issuers (Chase and Truist) 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 Truist Enjoy Beyond Credit 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. Truist Enjoy Beyond Credit Card: $1,500 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.