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
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Chase Sapphire Reserve | Sapphire Reserve for Business |
|---|---|---|
| Annual fee | $795 | $795 |
| Sign-up bonus | 125,000 points | 150,000 points |
| Bonus value (est.) | $2,500 | $2,595 |
| Min spend to unlock bonus | $6,000 in 3 mo | $20,000 in 3 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 · 125,000 points
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, Chase Sapphire Reserve or Sapphire Reserve for Business?
- The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus 125,000 points (~$2,500) 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: $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.