If you run a business, freelance, or have a side hustle that qualifies you for a business card, there’s a new kid on the block from Chase — and it’s worth your attention.
The Sapphire Reserve for BusinessSM is here, friends. And it’s not just a clone of the personal version. This new card comes with premium perks tailored for business travelers, high spenders, and anyone chasing flexibility and luxury from their business credit card.
Let’s walk through what this card actually offers, and whether it deserves a spot in your (business) wallet.
Key Benefits and Earning Rates
The Sapphire Reserve for BusinessSM is not your average business card. It’s a top-tier business card packed with value, especially for high spenders and frequent travelers. Many perks mirror personal Chase Sapphire Reserve®, but there area few differences.
Its core perks include:
8x points on purchases through Chase TravelSM
5x points on eligible Lyft rides (through 9/30/27)
4x points on flights and hotels booked directly
3x points on advertising purchases (think Google, Facebook, and Instagram)
$300 annual travel credit (applied automatically)
$500 annual credit for The Edit, Chase Travel’s curated collection of over 1,100 hotels and resorts ($250 biannual credits; 2-night minimum stay and prepayment required)
Up to $120 Global Entry/TSA PreCheck®/NEXUS credit (every four years)
Access to Chase Sapphire Lounges by The Club for the cardholder, plus two guests
Access to Points Boost: Redeem points at up to 2x on thousands of top hotels and flights through Chase Travel
👯 Shared Benefits: Just like the personal version, you’ll get annual DoorDash, Lyft, Peloton, and lounge access perks. Plus, you can unlock even more value with big spend, but more on that in a second.
Business-Specific Credits
Chase didn’t just stop at the travel perks. The Sapphire Reserve for BusinessSM also includes useful perks geared toward actual business expenses:
Credit | Annual Value | Details |
|---|---|---|
ZipRecruiter | $400 ($200 biannual credits) | Applies automatically to eligible purchases |
Google Workspace | $200 | Great if you run Gmail, Docs, etc. for your business |
Giftcards.com | $100 ($50 biannual credits) | Flexibility to use on clients’ gifts or supplies |
Spend More, Get More
Hey big spender — if you plan to put larger expenses on this card, there’s even more value in store.
After hitting $120,000 in spend per calendar year, you’ll unlock:
Complimentary IHG One Rewards Diamond Elite Status
Southwest A-list Status and a $500 credit for Southwest flights booked through Chase Travel
$500 shopping credit for The Shops at Chase
That’s a serious stash of goodies, especially if you fly Southwest or stay at IHG hotels often.
Can You Hold Both The Personal and Business Sapphire Reserve?
The good news just doesn’t stop.
You can hold both versions of the Sapphire Reserve. That opens up a ton of strategy potential for people wanting to separate business and personal spending, or take advantage of different perks.
⚠️ Heads Up: You can’t upgrade from the Ink Business Preferred® Credit Card to the new Chase Sapphire Reserve® for Business — you’ll need to submit a new application. But hey, that also means you could have the opportunity to qualify for another welcome offer.
Is the Chase Sapphire Reserve for BusinessSM Worth It?
If you’re a business owner who frequents the airport, constantly checks into hotels for work, or spends a decent chunk on advertising, the Sapphire Reserve for Business is worth considering.
That said, if you’re business doesn’t spend much in these categories (or you don’t ever book travel through Chase), then you might be better off with a simpler rewards structure like the Ink Business Preferred or Capital One Venture X Business.
Bottom Line
Chase has taken everything people love about the personal Sapphire Reserve and built a version designed specifically for entrepreneurs, freelancers, and small business owners who want more than the basics.
Between the flexible credits, strong earning potential, lounge access, and the new Points Boost redemption system, the Sapphire Reserve for Business is making a name for itself. Go ahead… the spotlight is all yours.
