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Chase Sapphire Reserve for Business

Updated July 2026 · 4 min read

Quick verdict

The Chase Sapphire Reserve for Business is Chase's premium business travel card. At $795 you get 200,000 bonus points after $30,000 spend, Sapphire Lounge access, Priority Pass, a $300 travel credit, and transfer partners including Hyatt and United. Built for high-spending business travelers.

☆☆☆☆☆

★★★★★

Chase - Premium Business Travel Card

The Reserve for Business mirrors the personal Sapphire Reserve's benefits but is designed for business spending. The $300 automatic travel credit and stacked hotel and dining credits can offset a significant portion of the $795 fee. The 200,000-point welcome offer after $30,000 spend is among the largest in the Chase lineup.

Welcome offer

200,000 Bonus Points

Earn 200,000 bonus points after spending $30,000 on purchases in the first 3 months from account opening.

Annual fee $795

Minimum spend $30,000

Approx. signup value $5,450

Yearly recurring value $1,450

Apply now →

Rates & fees · Terms apply

Pros & cons

Pros

200,000-point welcome offer is among the largest UR bonuses available
$300 automatic travel credit covers any travel spending
Chase Sapphire Lounge and Priority Pass access
$500 in Edit hotel credits and $300 dining credits stack on top
1:1 Hyatt transfer and 14+ other transfer partners
8x on Chase Travel is among the highest rates on any business card
Points pool with personal Ultimate Rewards accounts

Cons

$30,000 spend in 3 months is a high threshold
$795 annual fee requires active credit use to justify
Edit hotel credits and Exclusive Tables dining credits are channel-specific
Authorized employee card fees may apply
Not ideal for businesses whose spending does not concentrate in travel and dining

Who this card is for

✓ Good fit

High-spending business owners who regularly put $30,000+ through a card in a quarter

✓ Good fit

Business travelers who want Sapphire Lounge access on travel days

✓ Good fit

Entrepreneurs who want to pool business points with a personal Sapphire Reserve account

✓ Good fit

Those targeting Hyatt, United, or other Chase transfer partners for premium award travel

✕ Skip it

Businesses that cannot reliably hit $30,000 in 3 months for the welcome offer

✕ Skip it

Small business owners for whom the Ink Preferred's $95 fee and 100,000-point offer is a better fit

✕ Skip it

Those who prefer the Amex Business Platinum's credit stack and lounge network

Earning rates

Points on all purchases through Chase Travel including The Edit hotels.

Points on flights and hotels booked directly with airlines or hotels.

Points on dining at restaurants worldwide.

Points on everything else.

Benefits breakdown

The Reserve for Business earns at the highest rates in the Chase business lineup on travel and dining, with the same credit stack as the personal Sapphire Reserve.

$300 Travel Credit

Automatic statement credit on the first $300 in travel each year. Covers flights, hotels, rental cars, parking, and transit.

$300

$500 Edit Hotel Credits

Up to $250 semi-annually at The Edit by Chase Travel properties.

$500

$300 Dining Credit

Up to $150 semi-annually at Sapphire Reserve Exclusive Tables on OpenTable.

$300

Chase Sapphire Lounges

Unlimited access for cardmember plus up to 2 guests at all Chase Sapphire Lounges.

Perk

Priority Pass

1,300+ Priority Pass lounges after enrollment.

Perk

DashPass

Complimentary DashPass through 12/31/27 plus $25/month in DoorDash promos.

$420

Estimated value $1,450

After 795 fee ~$655 net

What to look out for

$30,000 Welcome Spend Threshold

This is three times the personal Reserve's $6,000 requirement. Only realistic for high-volume businesses.

Credit Silos

Edit hotel and Exclusive Tables dining credits are channel-specific. Unused amounts expire semi-annually.

High Annual Fee

At $795, the card demands consistent credit and lounge utilization to justify the annual cost.

Our take

The Reserve for Business is a powerful card for the right business owner. The 200,000-point welcome offer is genuinely exceptional -- at 1.5 cents per point through Hyatt or airline transfers, that is $3,000 in potential travel value. The ongoing credit stack mirrors the personal Reserve closely. The question is whether your business can consistently hit $30,000 in a quarter. If so, this card earns more Ultimate Rewards per dollar than any other Chase business option. See the full UR strategy in our Ultimate Rewards guide.

The $795 annual fee is identical to the personal Reserve. The key difference is the $30,000 spend threshold for the welcome offer -- very high compared to the personal card's $6,000. Only apply if your business genuinely runs that volume through a credit card each quarter. For how the Reserve for Business fits alongside the Ink cards, see our Chase card overview.