Chase
Chase Sapphire Reserve for Business
Chase Sapphire Reserve for Business costs $795 annual fee and earns up to 4× on travel booked direct. It also carries $1,470 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Chase Sapphire Reserve for Business returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $795 annual fee
- Best earn rate
- 4× travel booked direct
- Points value
- 2.05¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 150,000 points
- About $3,075 if you redeem at 2.05¢ a point, and only if you clear the spending requirement.
- Credits a year
- $1,470
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- none
What the Chase Sapphire Reserve for Business earns
Hotels and rental cars through the issuer's travel site
8×
Only through the issuer's portal
Flights through the issuer's travel site
8×
Only through the issuer's portal
Lyft
5×
Flights and hotels booked direct
4×
Advertising
3×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 8× | Only through the issuer's portal |
| Flights through the issuer's travel site | 8× | Only through the issuer's portal |
| Lyft | 5× | |
| Flights and hotels booked direct | 4× | |
| Advertising | 3× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Chase Sapphire Reserve for Business right for you?
Enter a typical month. You will see what the Chase Sapphire Reserve for Business returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Chase Ink Business Preferred Top for your numbers
3× travel; 1× everything else. $95 annual fee.
Rewards $588 · Fee −$95
+$493
Chase Sapphire Reserve for Business
4× travel booked direct; 1× everything else. $795 annual fee.
Rewards $625 · Fee −$795
−$170
2× travel booked direct, 2× travel; 1× everything else. $695 annual fee.
Rewards $501 · Fee −$695
−$194
−$393
How we estimate
- Every rate on this page comes from the card catalog. Chase Sapphire Reserve for Business pays 1× on spending outside the bonus categories listed above, and up to 4× on travel booked direct.
- We value this card's points at 2.05¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
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Welcome bonus
150,000 points
About $3,075 if you redeem at 2.05¢ a point, and only if you clear the spending requirement.
Points and partners
Chase Ultimate Rewards
Transferable to airline and hotel partners.
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| ZipRecruiter statement credit Up to 400 dollars a year on purchases made directly with ZipRecruiter, split 200 dollars January through June and 200 dollars July through December. | $400 | $400 |
| DoorDash monthly promos Up to 25 dollars a month with DashPass: one 5 dollar restaurant promo plus two 10 dollar grocery and retail promos. Available through 12/31/2027. | $300 | $300 |
| Credit for select Chase Travel hotels Time limited: only through 12/31/2026, on prepaid Chase Travel hotel bookings at IHG, Montage, Pendry, Omni, Virgin, Minor and other named brands. May disappear when this row is next refreshed. | $250 | $250 |
| Google Workspace statement credit Up to 200 dollars a year on purchases made directly with Google Workspace, including Gemini in Gmail, Calendar, Drive, Meet and NotebookLM. | $200 | $200 |
| DoorDash DashPass membership Chase states this is a 120 dollar value for 12 months. Activate by 12/31/2027. | $120 | $120 |
| Curated gift card statement credit Up to 100 dollars a year on gift cards bought from a curated collection at giftcards.com/reservebusiness, split 50 dollars January through June and 50 dollars July through December. | $100 | $100 |
| Priority Pass Select lounge membership Counted at $100 because most people do not use the full $850. Chase markets the Sapphire Lounge and Priority Pass Select at 1,300+ lounges and over 850 dollars of value when a member visits multiple times a year. Counted at 100 and once per wallet, matching the conservative treatment used on the personal Sapphire Reserve row. Not available for Employee Cardmembers. | $850 | $100 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked creditcards.chase.com/business-credit-cards/sapphire/reserve 2026-10-05. Earn: 8x on all purchases through Chase Travel including The Edit; 4x on flights and hotels booked direct with the airline or hotel; 3x on social media and search engine advertising; 5x total points on Lyft rides through 9/30/2027; 1x on all other purchases. There is no dining bonus category on this card, unlike the personal Sapphire Reserve. 795 dollar annual fee. No foreign transaction fees. Signup offer: 150,000 points after 30,000 dollars of purchases in the first 6 months; the page shows 200,000 struck through, so 150,000 is the live number and offers can vary. The 3x advertising rate is uncapped through 11/14/2026 and then capped at 1,000,000 dollars per account anniversary year starting 11/15/2026; the field here does not express that cap. Time-sensitive item for whoever updates this row next: The Edit hotel credit is 500 dollars now but Chase states that starting 1/1/2027 it rises to 1,000 dollars a year as two additional 250 dollar credits, so HotelCredit should be bumped to 1000 in January 2027. The 300 dollar travel credit and the The Edit credit do not earn points on the credited amounts. Unverified: the airline and hotel transfer partner list was not published on the product page and is left null. Unverified: the full terms behind the 120,000 dollar annual spend tier.
FAQ
The Chase Sapphire Reserve for Business charges $795 a year. Earning back $795 means about $1,077 a month on travel booked direct, where it earns 6.1499999999999995¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
4× on travel booked direct, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $795 means about $1,077 a month on travel booked direct, where it earns 6.1499999999999995¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. It also carries $1,470 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 150,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 2.05¢ a point that is about $3,075, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Chase Ultimate Rewards, which you can transfer to the partners below. Transfers are what make a 2.05¢ valuation reachable; using the points for cash back is worth far less.
No. The Chase Sapphire Reserve for Business charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.