Chase Sapphire Reserve for Business
200,000 points welcome · 8x on travel (via portal) · $795/yr
The business version of the Reserve leans on credits a company can actually use: $400 a year toward ZipRecruiter, $200 toward Google Workspace, $300 in automatic travel credit, and up to $500 through The Edit by Chase Travel, which together approach the $795 annual fee before any travel perk is counted. The welcome offer is currently elevated to 200,000 points against a standard 150,000, but it demands $30,000 of spend in six months, so it only makes sense if that volume was already going on a card. Earning is top-heavy: 8x on Chase Travel, 4x on hotels and flights booked directly, 3x on search and social media advertising, and 1x on everything else, which means you will want a second card for general spending. Free employee cards with individual limits, primary rental coverage, cell phone protection up to $1,000 per claim, and Priority Pass plus Sapphire Lounge access fill out the rest. Keep in mind that several of the best credits, ZipRecruiter and Google Workspace among them, are dated through the end of 2027, so treat them as current value rather than permanent.
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 |