Sapphire Reserve for Business
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 200,000 bonus Chase Ultimate Rewards points after you spend $30,000 on purchases in your first 6 months from account opening.
Benefits and fees last verified May 2026against the issuer's published terms.
200,000 Ultimate Rewards points once $30,000 of spend posts within your first 6 months. $795 annual fee.
- Annual fee
- $795
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
Earning Rates
Important considerations
- Annual fee to offset
This card carries a $795 annual fee. Make sure the credits and bonus categories you will actually use are worth more than that every year.
- High spend to earn the bonus
You must spend $30,000 within 6 months to earn the welcome bonus, which can be a stretch for lighter spenders.
Based on this card's terms last verified May 2026.
Earning rates
5- 8xtravel
Earn 8X points on all purchases through Chase Travel, including The Edit (per Chase issuer page rewards terms)
- 4xlodging
Earn 4X points on flights and hotels booked direct (per Chase issuer page rewards terms; this is a single combined flights-and-hotels category, not separate 5X flights and 4X hotels tiers)
- 3xdining
Earn 3X points on social media and search engine advertising purchases (per Chase issuer page rewards terms; this is the card's only 3X tier, and the page lists no dining or standalone hotels-direct tier at all)
- 1xeverything else
Earn 1X point per $1 on all other business purchases, with no caps and points that never expire as long as the account is open
- 2xlodging
Points Boost: up to 2X redemption value (up to 2.0 cents per point) on select flights and hotels booked through Chase Travel, refreshed periodically
Statement credits
14- $300Annual Travel CreditYearly
$300 annual travel credit auto-applied to first $300 of travel purchases each cardmember year
- $500The Edit by Chase Travel Hotel CreditYearly
Up to $500 in annual statement credits ($250 per stay) on qualifying 2-night+ stays at The Edit by Chase Travel
- $400ZipRecruiter CreditTwice a year
Up to $400/year ($200 Jan-Jun, $200 Jul-Dec) on ZipRecruiter purchases through 12/31/2027
- $200Google Workspace CreditYearly
Up to $200 in annual Google Workspace statement credits through 12/31/2027
- $120Lyft CreditMonthly
Up to $120/year ($10/month) Lyft credit through 9/30/2027 when card is payment method
- $300DoorDash PromosMonthly
Up to $25/month in DoorDash promos ($5 restaurant + two $10 grocery/retail) through 12/31/2027
- $30Global Entry/TSA PreCheck/NEXUS CreditYearly
$120 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee (amortized $30/yr)
- $300$300 annual travel credit automatically applied to the first $300 of travel purchases (airfare, hotels, rental cars, tolls, parking, taxis, trains, cruises, Chase Travel) each cardmember year
- $500Up to $500 in annual statement credits ($250 per stay) on qualifying 2-night+ stays at The Edit by Chase Travel luxury hotel collection (formerly Luxury Hotel & Resort Collection); includes daily breakfast for two, ~$100 property credit, and room upgrade when available
- $400Up to $400 in annual ZipRecruiter statement credits ($200 Jan-Jun, $200 Jul-Dec) on purchases made directly with ZipRecruiter through 12/31/2027
- $200Up to $200 in annual Google Workspace statement credits on purchases made directly with Google Workspace through 12/31/2027
- $120Up to $120/year ($10/month) Lyft credit through 9/30/2027 when the card is the payment method in the Lyft app (one credit per account)
- $120$120 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee (primary or authorized user)
- $120,000Spend $120,000 in a calendar year to unlock up to $500 in Southwest Airlines statement credits on Chase Travel and up to $500 in credits at The Shops at Chase
Perks & memberships
9- MembershipComplimentary DashPass membership through 12/31/2027 (a $120/year value) with $0 delivery fees and reduced service fees, plus up to $25/month in DoorDash promos ($5 restaurant + two $10 grocery/retail)
- Lounge accessComplimentary Priority Pass Select membership for the primary cardmember with access to 1,300+ airport lounges worldwide (employees can enter only as guests of the primary)
- Lounge accessUnlimited access to Chase Sapphire Lounges by The Club at IAH, BOS, LGA, JFK, SDF, PHL, DCA, ORD, SAN, and additional locations rolling out, with up to two complimentary guests
- Elite statusComplimentary IHG One Rewards Platinum Elite status through 12/31/2027 (must link IHG account to activate)
- Elite statusSpend $120,000 in a calendar year to unlock IHG One Rewards Diamond Elite status for the remainder of that year plus the following calendar year
- Elite statusComplimentary Hertz President's Circle elite status (Hertz's top tier), plus Avis Preferred Plus and Avis President's Club benefits at over 5,000 locations
- No foreign feesNo foreign transaction fees on purchases made outside the United States
- ConciergeVisa Infinite Business benefits: 24/7 Visa Infinite Concierge for travel, dining, and event planning, plus premium dining, golf, and luxury hotel collection perks
- Authorized usersFree employee/authorized-user cards with individual spending limits and category restrictions; employee spend earns rewards in the primary account
Travel & purchase protections
10- Primary auto rental Collision Damage Waiver coverage when renting for business or personal use (theft and collision damage for most rental cars in the U.S. and abroad)
- Cell phone protection up to $1,000 per claim against covered theft or damage when the monthly cell bill is paid with the card (max 3 claims per 12-month period, $100 deductible)
- Trip cancellation and trip interruption insurance reimbursing prepaid, non-refundable fares, tours, and hotels up to $10,000 per person and $20,000 per trip
- Trip delay reimbursement up to $500 per ticket when a common carrier is delayed more than 6 hours or requires an overnight stay
- Lost luggage reimbursement up to $3,000 per passenger and baggage delay insurance (up to $100/day for 5 days) when bags are delayed more than 6 hours
- Emergency evacuation and transportation coverage up to $100,000 for medical evacuations 100+ miles from home
- Travel accident insurance, roadside dispatch (pay-per-use), and 24/7 travel and emergency assistance services
- Purchase protection on new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account
- Extended warranty protection adding 1 additional year to eligible U.S. manufacturer warranties of 3 years or less
- Return protection up to $500 per item ($1,000 per 12-month period) when a store won't take an eligible return within 90 days of purchase
More benefits & fine print (2)ShowHide
- $795 annual fee; $0 for each employee/authorized-user card (employee purchases earn rewards in the primary account)
- Spend $120,000 in a calendar year to unlock Southwest Rapid Rewards A-List status for the remainder of that year plus the following calendar year
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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Transfer Partners
Full guide →Chase Ultimate Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $30,000 in the first 6 months to earn the 200,000 points bonus.
See the Current Offer
Earn 200,000 points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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