Editorial take: Chase Sapphire Reserve
Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.
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Side-by-side
Chase Sapphire Reserve vs Sapphire Reserve for Business
Both are well-respected travel cards. The Chase Sapphire Reserve comes from Chase at $795/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 ($1,460 more in estimated value) than the Chase Sapphire Reserve's. Get the Sapphire Reserve for Business first; revisit the Chase Sapphire Reserve after you've earned that bonus.
| Feature | Chase Sapphire Reserve | Sapphire Reserve for Business |
|---|---|---|
| Annual fee | $795 | $795 |
| Sign-up bonus | 100,000 points | 200,000 points |
| Bonus value (est.) | $2,000 | $3,460 |
| Min spend to unlock bonus | $6,000 in 3 mo | $30,000 in 6 mo |
| Issuer | Chase | Chase |
| Card category | travel | business |
| Best earning category (Chase_travel) | 8x | 8x |
| Transfer partners | chase-ur | chase-ur |
| Headline benefits |
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Read the full review
Chase Sapphire Reserve
$795/yr · 100,000 points
Read the full review
Sapphire Reserve for Business
$795/yr · 200,000 points
Editorial take: Sapphire Reserve for Business
Common questions
- Which card has the bigger sign-up bonus, Chase Sapphire Reserve or Sapphire Reserve for Business?
- The Sapphire Reserve for Business has the bigger bonus, 200,000 points, worth roughly $3,460, versus 100,000 points (~$2,000) on the Chase Sapphire Reserve.
- Is the Chase Sapphire Reserve's $795 annual fee worth it compared to the Sapphire Reserve for Business?
- Premium cards like the Chase Sapphire Reserve ($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 Sapphire Reserve for Business at $795/yr trades some perks for a lower commitment.
- Can I have both the Chase Sapphire Reserve and Sapphire Reserve for Business?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Chase Sapphire Reserve or the Sapphire Reserve for Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Reserve: $6,000 spend in 3 months. Sapphire Reserve for Business: $30,000 in 6 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.