Points · Visa · $795 annual fee
Last verified 2026-09-09. Review issuer source
Chase Sapphire Reserve for Business is a $795-a-year points card from Chase. Its best everyday rates are 4x on airfare, 4x on hotels, and 3x on advertisements; everything else earns 1x. The 8x rate applies only to travel booked through Ultimate Rewards, so treat it as a bonus rather than the reason to apply. There is also 5x on Lyft, a single-merchant rate.
On our reference budget of $73,200 a year it earns $1,392, which clears the $795 fee with $597 to spare before any credits or perks. The welcome bonus, 200,000 points after $30,000 in 3 months, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
3x points on social media & search engine advertising
4x points on flights purchased direct
8x points on Chase Travel
4x points on hotels purchased direct
5x total points on all eligible Lyft purchases
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
Earn up to $100 per year in statement credits when you purchase gift cards from a curated collection on giftcards.com/reservebusiness. You'll earn up to $50 in statement credits January through June and up to $50 July through December.
Get complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
Lyft members get access to up to $10 in monthly in-app credits, up to $120 annually, to use on rides through 9/30/27.
Get business tools that fuel innovation with Google Workspace. Tackle your biggest challenges and accelerate growth with a suite of easy-to-use tools for work. Get Google AI in Gmail, Calendar, Drive, Meet, NotebookLM and more, and earn up to $200 in annual statement credits on purchases made directly on Google Workspace.
You have the freedom to take your business anywhere with the most flexible travel credit available. Receive up to $300 in statement credits each anniversary year.
DashPass members get up to $25 each month to spend on DoorDash, which includes a $5 monthly promo to spend on restaurant orders and two $10 promos each month to save on groceries, retail orders, and more.
4 out of 5 employers who post on ZipRecruiter get a quality candidate in 1 day. Find yours and enjoy up to $400 in annual statement credits on purchases made directly with ZipRecruiter. You'll earn up to $200 in statement credits January through June and up to $200 in statement credits July through December.
Get up to $250 in statement credits from January through June and again from July through December for prepaid bookings made with The Edit. Enjoy complimentary benefits like a $100 property credit, daily breakfast for two, room upgrades (if available) and more during your stay.
Enjoy access to our growing Chase Sapphire Lounge® by The Club network. Plus, work uninterrupted around the world with access to 1,300+ airport lounges with your complimentary Priority Pass Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad.
Up to 30% off base rates on qualifying rentals on any size car at over 5,000 locations worldwide. Automatic enrollment into Preferred Plus, free weekend rentals and up to 10% off base rates on Select Series.
Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Get up to $1,000 per claim in cell phone protection against covered theft or damage for cell phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 3 claims in a 12-month period with a $100 deductible per claim.
Whether you're looking for pre-flight productivity or time to rest and recharge, enjoy access to our growing Chase Sapphire Lounge® by The Club network. Plus, work uninterrupted around the world with access to 1,300+ airport lounges with your complimentary Priority PassTM Select membership. Two guests may accompany the Primary Cardmember free of charge.
If you or a covered traveler are injured or become sick during a trip 100 miles or more from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
If you or an immediate family member become sick or injured while you’re 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses, subject to a $50 deductible.
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Visa Infinite® cardholders who are enrolled in Hertz Gold Plus Rewards® can unlock additional car rental privileges with Hertz. Enjoy special savings, faster service, extra hours on returns for U.S. rentals and Hertz Gold Plus Rewards bonus points.
Get complimentary IHG One Rewards Platinum Elite status with your Sapphire Reserve for Business card through 12/31/27.*
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Up to 25% on qualifying rentals at participating locations (U.S., Canada, Latin America and Caribbean) and a complimentary Emerald Club Executive level membership. Eligible for free weekend day and one-class upgrade.
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
You can be reimbursed for eligible items that the store won't accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.
If you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Including up to $500 in statement credits for The Shops at Chase*, IHG® One Rewards Diamond Elite Status*, Southwest® Rapid Rewards A-List Status*, and up to $500 in statement credits for Southwest Airlines flights booked through Chase Travel*. You'll receive the benefits for each calendar year in which you qualify and through the following calendar year.
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $1,000,000 in accidental death or dismemberment coverage.
If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
Get World of Hyatt Explorist status after you spend $75,000 on your Chase Sapphire Reserve card each calendar year.
These come from Visa, not from Chase. Every card on the Visa Infinite tier carries them, so they should not decide between two cards.
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
Unlock primetime reservations at some of the hottest restaurants in select cities with OpenTable and your eligible Visa card.
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Now you and your traveling companion(s) are protected when traveling in a Rideshare vehicle, such as Uber© or Lyft©, when you pay for your fare with your covered Visa Infinite Business card. Benefits include coverage for the cost to replace or repair personal property that is lost, damaged or destroyed while on a covered trip as well as coverage for accidental death or dismemberment up to the coverage amount on the policy.
This is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets plus you can access 7-day Visa Exclusive Presale opportunities.
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
The Visa Luxury Hotel Collection offers an unparalleled experience with an extraordinary collection of benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
Book with your Visa Infinite card and get VIP amenities and discounts with Avis, Hertz, and National®.
Diverse events designed to appeal to your spirit of discovery and love of travel, delicious food, drink, and amazing music.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
Enjoy complimentary access to every Chase Sapphire Lounge by The Club with up to two guests, plus access to 1,300+ Priority Pass airport lounges worldwide. Also get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Sapphire Reserve for Business℠ Credit CardThis card · 4x on airfare | $795 | $1,392 | +$597 | 718th of 752 |
| Ink Business Unlimited® Credit CardChase's most-held other card · 1.5% on everything | None | $1,098 | +$1,098 | 161st of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
