Chase Sapphire Reserve for Business
200,000 points welcome · 8x on travel (via portal) · $795/yr
The Sapphire Reserve for Business pairs a $795 annual fee with a stack of credits aimed squarely at owners who already travel and advertise: $300 in annual travel credit, $500 a year through The Edit by Chase Travel, $400 in ZipRecruiter credits, and $200 toward Google Workspace. Earning is front-loaded on travel, at 8x through Chase Travel and 4x on hotels and flights booked directly, plus 3x on social media and search engine advertising, while everything else sits at 1x. The signup bonus is currently an elevated 200,000 points after $30,000 in six months, well above the standard 150,000, but that spending hurdle rules out most small operations. The real question is whether you will actually use the credits, since most arrive in semi-annual chunks with 2027 expiration dates, and the 5x transit rate applies only to Lyft rides and only through September 30, 2027. If your business books travel through Chase and pays for hiring and Workspace anyway, the math can work; otherwise $795 is a lot to pay for 1x on ordinary spend.
Earn rates & credits
| Category | Rate |
|---|---|
Travel (via Portal) | 8x |
Transit On Lyft rides through September 30, 2027 (limited-time promo) Through Sep 30, 2027 | 5x |
Hotels Hotels booked directly | 4x |
Airlines Flights booked directly with airlines | 4x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual Travel Credit Automatic statement credit for travel purchases each anniversary year | $300 /yr |
The Edit Credit Up to $250 biannually for prepaid bookings of two nights or more made through The Edit by Chase Travel | $250 / 6 mo |
Select Chase Travel Hotel Credit Up to $250 annually on prepaid Chase Travel bookings of two nights or more at IHG, Montage, Pendry, Omni, Virgin, Minor, and Pan Pacific properties, through December 31, 2026 | $250 /yr |
ZipRecruiter Credit Up to $200 in statement credits from January-June and July-December on purchases made directly with ZipRecruiter, through December 31, 2027 | $200 / 6 mo |
Google Workspace Credit Up to $200 in annual statement credits on purchases made directly with Google Workspace, through December 31, 2027 | $200 /yr |
DashPass Membership Complimentary DashPass membership for 12 months ($0 delivery fees and reduced service fees on eligible DoorDash orders) when activated by December 31, 2027 | $120 /yr |
DoorDash Promos Up to $25 per month ($5 restaurant promo + two $10 grocery/retail promos) to spend on DoorDash through December 31, 2027 | $300 /yr |
Lyft Credits Up to $10 in monthly in-app credits for Lyft rides through September 30, 2027 | $120 /yr |
Gift Card Credit Up to $50 in statement credits from January-June and July-December on curated gift card purchases through The Shops at Chase, through October 31, 2028 | $50 / 6 mo |
Global Entry / TSA PreCheck Credit Up to $120 statement credit for Global Entry, TSA PreCheck, or NEXUS application fees | $120 every 4 yr |
Cell Phone Protection Up to $1,000 per claim (3 claims per 12 months, $100 deductible) when the monthly phone bill is paid with the card | $1,000 |
| Total annual credits | $2,320 |
Card details
Foreign transaction fee | None |