Chase✨ Luxury

Chase Sapphire Reserve for Business

Annual fee

$795

Welcome bonus

150,000200,000 pointsElevated offer

Foreign txn fee

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Good to know before you apply

Employee cards are free, but lounge access and The Edit stay benefits are not available to them.
The welcome bonus is steep to earn, requiring $30,000 of spend within 6 months. The offer amount is currently elevated above its baseline and Chase changes it periodically, so confirm the live offer when you apply.
Several credits are business-specific (Google Workspace, ZipRecruiter) or time-limited (Lyft and DoorDash value run through 2027), so the effective value depends on whether you use them.
It is a Pay In Full card, so the balance is due each month.
As a Chase business card it does not add to your 5/24 count, but you generally still need to be under 5/24 to be approved.

The Chase Sapphire Reserve for Business is Chase's first premium travel card built for business owners, and it is essentially the business twin of the personal Sapphire Reserve. For a $795 annual fee it stacks a large slate of statement credits (travel, The Edit hotels, Google Workspace, ZipRecruiter and more) on top of premium travel perks like Chase Sapphire Lounge access, Priority Pass, and complimentary IHG Platinum status. It earns transferable Ultimate Rewards points, with 8x on Chase Travel and 4x on flights and hotels booked direct. The catch is the fee and a steep welcome-bonus spend requirement, so it pays off for businesses that genuinely use the travel and business credits.

Welcome bonus

What you get for signing up and hitting the minimum spend.

200,000 points · $30,000 spend in 6mo

See the offer →

🕐 Limited-time offer

This is an elevated, limited-time offer — the standard bonus is 150,000 points.

200,000 points after spending $30,000 in the first 6 months.

Elevated offer: 200,000 points after $30,000 spend in 6 months, verified from Chase official terms (New Cardmember Bonus - 200,000 Points). Baseline was 150,000.

Earn rates

How many points per dollar across categories.

6 categories · top rate 8x

See the multipliers →

Card-level multipliers. Earn currency: Chase Ultimate Rewards.

Category	Rate	Channel	Notes
Travel (through portal)	8x	portal	8x on all purchases through Chase Travel, including The Edit.
Lyft	5x	—	5x total points on Lyft rides. Through 9/30/2027.
Flights	4x	direct	4x on flights booked direct with the airline.
Hotels	4x	direct	4x on hotels booked direct with the hotel.
Advertising	3x	—	3x on advertising purchases made with social media sites and search engines.
All other purchases	1x	—

Transfer partners

Where you can move your Chase Ultimate Rewards to airline + hotel programs.

14 partners · 🎁 bonus active

Meet the partners →

Points earned with this card transfer to 14 partner programs via Chase Ultimate Rewards — bonuses live now flagged below.

To	Ratio	Notes
Aer Lingus AerClub	1:1	1,000 UR = 1,000 Avios (AerClub)
Air Canada Aeroplan	1:1	1,000 UR = 1,000 Aeroplan points (Air Canada)
Avios	1:1	1,000 UR = 1,000 Avios (The British Airways Club)
Flying Blue	1:1	1,000 UR = 1,000 Flying Blue miles (Air France-KLM). 20% bonus active as of 2026-05-18.
Club Iberia Plus	1:1	1,000 UR = 1,000 Avios (Iberia Club)
JetBlue TrueBlue	1:1	1,000 UR = 1,000 TrueBlue points
Singapore KrisFlyer	1:1	1,000 UR = 1,000 KrisFlyer miles (Singapore Airlines)
Southwest Rapid Rewards	1:1	1,000 UR = 1,000 Rapid Rewards points. 30% bonus active as of 2026-05-18.
United MileagePlus	1:1	1,000 UR = 1,000 MileagePlus miles
Virgin Atlantic Flying ClubBONUS	1:1	1,000 UR = 1,000 Virgin Points (base 1:1). LIMITED: 30% transfer bonus June 9 - July 14, 2026 - 1,000 UR = 1,300 Virgin Points. Best for ANA and Delta One sweet spots; only transfer with a redemption in mind. Reverts to 1:1 after July 14, 2026.
Hyatt	Not eligible	World of Hyatt transfers are card-specific as of 2026: Sapphire Reserve keeps 1:1 (1,000 UR = 1,000 Hyatt); Sapphire Preferred and Ink Business Preferred transfer at 4:3 (1,000 UR = 750 Hyatt). The 4:3 cut applies immediately to new applicants (2026-06-15) and from 2026-10-01 for existing cardholders. Cash-earner Chase cards (Freedom, Ink Cash/Unlimited) reach Hyatt by pooling into a premium card first.
IHG One Rewards	1:1	1,000 UR = 1,000 IHG One Rewards points
Marriott Bonvoy	1:1	1,000 UR = 1,000 Marriott Bonvoy points. 55% bonus active as of 2026-05-18.
Wyndham Rewards	1:1	1,000 UR = 1,000 Wyndham Rewards points. New partner as of 2026.

Cardholder experiences

Members-only events, dining access, and special experiences bundled with this card.

1 program

Browse the portals →

Chase Experiences

Chase's cardmember-exclusive events portal --- dining series, chef collaborations, concerts, sports, cultural events. Open to all Chase consumer credit cardholders.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Status

Hotel / airline / partner status this card grants.

1 benefit

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IHG One Rewards Platinum Elite Status

Complimentary IHG One Rewards Platinum Elite status through 12/31/2027. Not available for Employee Cardmembers.

Lounge access

Airport lounge access conferred by this card.

3 benefits

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Chase Sapphire Lounge by The Club

Complimentary access to every Chase Sapphire Lounge by The Club with up to two guests. Not available for Employee Cardmembers.

Priority Pass Select Membership

Access to 1,300+ Priority Pass lounges worldwide with up to two guests. Not available for Employee Cardmembers.

Air Canada Maple Leaf Lounge & Cafe Access

Access to select Air Canada Maple Leaf Lounges and Cafes in the U.S., Canada, and Europe with an eligible boarding pass.

Travel credits

Annual travel-spend credits and portal incentives.

1 benefit

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$300 Annual Travel Credit

Up to $300 in statement credits each anniversary year toward travel purchases. Qualifying purchases do not earn points.

Statement credits

Bill credits and recurring perks that offset annual fees.

9 benefits

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$500 Credit for Stays with The Edit

Up to $500 in automatic statement credits annually for prepaid bookings with The Edit, max $250 per transaction. Two-night minimum. Qualifying purchases do not earn points.

$250 Credit for Select Chase Travel Hotels

Up to $250 in statement credits through 12/31/26 on prepaid Chase Travel hotel bookings with IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels, and Pan Pacific. Two-night minimum.

$200 Google Workspace Credit

Up to $200 in annual statement credits on purchases made directly with Google Workspace.

$400 ZipRecruiter Credit

Up to $400 in annual statement credits with ZipRecruiter: up to $200 January through June and up to $200 July through December.

$120 in Lyft Credits

Up to $10 in monthly in-app Lyft credits, up to $120 annually, through 9/30/2027.

$120 DashPass Membership

Complimentary DashPass membership, a $120 value, for 12 months. Activate by 12/31/2027.

$300 in DoorDash Promos

DashPass members get up to $25 each month in DoorDash promos. Through 12/31/2027.

$100 Curated Gift Card Credit

Up to $100 in statement credits toward a curated gift card selection.

Global Entry, TSA PreCheck, or NEXUS Fee Credit

One statement credit of up to $120 every four years as reimbursement for the application fee.

Purchase & travel protection

Purchase, extended warranty, cell phone, and fraud protections.

1 benefit

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Travel & Purchase Protections

Visa Infinite coverage including primary auto rental collision damage waiver, trip cancellation and interruption, trip delay, lost and delayed baggage, purchase protection, and extended warranty. See the Guide to Benefits for terms.

Portal redemption

Boosted point value when redeeming via the issuer portal.

1 benefit

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Points Boost — Up to 2x on Select Flights and Hotels

Points worth up to 2x on top-booked hotels and select flights when redeemed through Chase Travel.

Other

Other perks on this card.

3 benefits

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$550+ in Value When You Stay with The Edit

Book through The Edit for complimentary benefits such as a property credit, daily breakfast for two, and a room upgrade when available. Not available for Employee Cardmembers.

1:1 Point Transfer to Airline and Hotel Partners

Transfer Ultimate Rewards points 1:1 to Chase travel partners for outsized award value.

Visa Infinite Concierge

24/7 assistance from Visa Infinite Concierge for dining, entertainment, and travel.