The Chase Sapphire Reserve (CSR) card has long been a favorite of the points and miles community, but Chase had never provided an ultra-premium counterpart on the small business side. The most “premium” card on offer was the Ink Business Preferred with its $95 annual fee. Now that curious hole in Chase’s credit card portfolio has been filled with the launch of the Sapphire Reserve for Business (CSRB).
The business version of the Sapphire Reserve has many of the same perks as the consumer card: excellent travel protections, lounge access, good earning rates on flights and hotels, and an easy-to-use $300 travel credit. However, 3X on dining is replaced by social media and online advertising, while the lengthy list of coupons credits looks somewhat underwhelming on the surface. Given the gargantuan $795 annual fee, does the Sapphire Reserve for Business deserve all the hoopla?
Sapphire Reserve for Business Current Welcome Offer
| Card Offer |
|---|
ⓘ $2185 1st Yr Value Estimate$300 travel credit valued at $285, $500 Chase The Edit credit ($250 Jan-Jun and again Jul-Dec) valued at $125, $100 GiftCards.com credit ($50 Jan-Jun and again Jul-Dec for cards purchased from https://reservebusiness.giftcards.com/) valued at $50 Click to learn about first year value estimates 200K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 200K points after $30K spend in first 6 months.$795 Annual Fee FM Mini Review: Could be very appealing for a business that books a lot of travel, as it earns 8x through Chase Travel or 4x when booking direct through airline and hotels. It has decent perks, best-in-class travel protections, and earns valuable Chase Ultimate Rewards points. Best when paired with no annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards |
Chase Sapphire Reserve for Business Review
The Chase Sapphire Reserve Business card could be appealing for a business that spends a lot on travel, as it earns 8x through Chase Travel℠ or 4x when booking directly through airlines and hotels. It has decent perks, best-in-class travel protections, and earns valuable Chase Ultimate Rewards points. With the Sapphire Reserve Business card, points are worth up to 2 cents each when redeemed for qualified bookings through Chase Travel.
However…
While the $795 annual fee is balanced by an easy-to-use $300 travel credit, the additional “value” is provided by $1200 in annual credits for 2-night+ stays with The Edit, purchases at ZipRecruiter, Google Workspace, and a modest selection of gift cards. Few small businesses will hire new people every six months through ZipRecruiter, making the twice-annual credit something that could often go entirely unused. Google Workspace will be valuable for more people, but you’ll need to be on the Business Plus or Enterprise plan to get the full $200 per year. Currently, there are only ~20 brands eligible for the twice-annual Giftcards.com credits, most of which are frequently available at a discount elsewhere.
That’s a pretty underwhelming list, especially since so much of this card’s value relies upon its appeal. Indeed, most folks will probably find these credits much less useful than their counterparts on the Sapphire Reserve consumer card. Given that, and the massive annual fee, the Sapphire Reserve for Business would be a tough one for me to make a case for as a long-term keeper.
- Annual Fee: $795
- Authorized User Annual Fee: $0
- Foreign Transaction Fee: None
- What points are worth: The Chase Sapphire Reserve earns Ultimate Rewards (UR). Our current Reasonable Redemption Values peg them at 1.5 cents each.
- Best Use for Points: Ultimate Rewards points can be transferred to travel partners at a 1:1 ratio, and this will almost certainly yield the most value. Our favorite transfer partner is Hyatt, but good value can be had through airline partners as well, including Air Canada Aeroplan, Air France/KLM Flying Blue, and British Airways Avios. CSR cardholders can also redeem UR for travel through Chase Travel℠ at up to 2 cents each by booking select travel redemptions with the new “Points Boosts.” Unfortunately, all other “non-boosted” travel redemptions are now at 1 cent per point.
- Earning Categories:
- 8X Travel booked through Chase Travel℠
- 5X Lyft rides
- 4X Flights and hotels
- 3X Dining
- 1x Everywhere else
- Credits:
- $300 annual travel (cardmember year)
- $250 every six months (Jan-Jun and July-Dec) for prepaid bookings made with The Edit (Two-night minimum stay required)
- $200 every six months (Jan-Jun and July-Dec) for purchases made directly with ZipRecruiter
- $200 annual statement credit for purchases made directly with Google Workspace
- $50 every six months (Jan-Jun and July-Dec) when purchasing gift cards from a curated collection of brands on giftcards.com/reservebusiness
- $120 Global Entry/TSA PreCheck (once every 4 years)
- Additional Perks:
- Priority Pass Select Lounge Membership: Cardholder and two guests. Like many other card-linked Priority Pass memberships, this does not include Priority Pass restaurants.
- IHG Platinum Status (through 12/31/27)
- National Car Rental Executive Status
- Free DoorDash Dashpass (through 2027)
- $10 Lyft in-app discount each month
- Two promos of $10 off each month on non-restaurant orders from DoorDash
- $5 off a restaurant order each month from DoorDash
- Big spend benefits: Once you spend $120,000 within a calendar year, the following benefits are available for the rest of that calendar year and all of the next:
- IHG One Rewards Diamond Elite Status
- $500 Southwest Airlines Chase Travel credit (credits automatically applied when booking Southwest flights through Chase Travel)
- Southwest Airlines A-List Status
- $500 Credit for The Shops at Chase
- Travel Protections:
- Auto Rental Coverage: Primary auto rental CDW (collision damage waiver). Provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad (Note that this insurance is now secondary on domestic car rentals for New York State residents with a personal primary insurance policy).
- Roadside Assistance: Up to $50 per incident/4 times a year.
- Trip Cancellation/Interruption Insurance: Up to $10,000 per person and $20,000 per trip or the total amount paid with your card, whichever is lower.
- Trip Delay Reimbursement: Covers delays of more than 6 hours or that require an overnight stay. The cardholder and family are covered for up to $500 per ticket.
- Lost Luggage Reimbursement: Up to $3,000 per passenger.
- Baggage Delay Insurance: Covers baggage delays of over 6 hours, up to $100 a day for 5 days.
- Travel Accident Insurance: Accidental death or dismemberment coverage of up to $1,000,000.
- Emergency Evacuation & Transportation: Medical services and transportation up to $100,000.
- Emergency Medical and Dental Benefit: More than 100 miles from home, up to $2,500 for medical expenses for the cardholder and immediate family members.
- Purchase Protections:
- Extended Warranty: One additional year, on eligible warranties of three years or less (US warranties only)
- Damage and Theft Protection: 120 days against damage or theft; up to $10,000 per claim and $50,000 per year
- Return Protection: Within 90 days of purchase, up to $500 per item, $1,000 per year.”
- Who is this card for? Frequent business travelers who spend a lot on hotels and/or flights, and who can regularly use the ZipRecruiter, Google Workspace, and Giftcards.com credits. The card’s travel and purchase protections are excellent (except for the lack of car rental coverage for New York residents), and it has good lounge access options. However, this is an expensive card with complicated credits that you must be able and willing to optimize for it to make sense.
- Is the Chase Sapphire Reserve for Business a keeper? The question of whether or not to keep it comes down primarily to the new smörgåsbord of credits and the time and effort that it takes to utilize them. I’d have a very hard time giving this card and its $795 annual fee a permanent place in my wallet.
Sapphire Reserve for Business vs. Sapphire Reserve
The table below shows a side-by-side comparison of the Sapphire Reserve for Business and the consumer Sapphire Reserve. Cells shaded green indicate where one version or the other was better.
| Consumer | Business | |
|---|---|---|
| Annual Fee | $795 | $795 |
| Additional Card Fee | $195 | $0 |
| Point Earning Rates: | ||
| Chase Travel | 8x | 8x |
| Flights & Hotels | 4x | 4x |
| Dining | 3x | 1x |
| Online Advertising | 1x | 3x |
| Lyft through 9/30/27 | 5x | 5x |
| Perks: | ||
| Points Boost (Up to 2x) | Yes | Yes |
| Point transfer to Airlines & Hotels | Yes | Yes |
| Excellent Travel Protections | Yes | Yes |
| Priority Pass w/ 2 Guests | Yes | Yes |
| Sapphire Lounge Access w/ 2 Guests | Yes | Yes |
| Authorized User Lounge Access | Yes | No |
| IHG Platinum Status thru 12/31/27 | Yes | Yes |
| Free Subscription to Apple TV+ | Yes | No |
| Free Subscription to Apple Music | Yes | No |
| Reserve Travel Designers | Yes | No |
| Sapphire Reserve Exclusive Tables | Yes | Yes |
| Credits: | ||
| Travel Credit | $300 per Membership Year | $300 per Membership Year |
| Global Entry / TSA Pre / Nexus | $120 per 4 Years | $120 per 4 Years |
| The Edit (Hotels) | $250 per 6 Months | $250 per 6 Months |
| Lyft In-App Credit | $10 per Month | $10 per Month |
| DoorDash Restaurant Promo | $5 per Month | $5 per Month |
| DoorDash Non-Restaurant Promo | $10 twice per Month | $10 twice per Month |
| Sapphire Reserve Exclusive Tables | $150 per 6 Months | $0 |
| StubHub | $150 per 6 Months | $0 |
| Peloton | $10 per Month | $0 |
| ZipRecruiter | $0 | $200 per 6 Months |
| Google Workspace | $0 | $200 per Year |
| giftcards.com/reservebusiness | $0 | $50 per 6 Months |
| Big Spend Benefits: | $75K Spend: | $120K Spend: |
| IHG One Rewards Diamond Elite Status | Yes | Yes |
| Southwest Airlines A-List Status | Yes | Yes |
| $500 Southwest Airlines credit | Yes | Yes |
| Shops at Chase credit | $250 | $500 |
Chase Sapphire Reserve Pros and Cons
Pros
- Good travel protections, including primary rental car insurance for most folks and authorized users (that I’ve had the unfortunate chance to use several times)
- $300 travel credit applies to a broad range of purchases and is easy to use
- Less restrictive eligibility requirements than the consumer card
- Priority Pass select membership with Sapphire and Maple Leaf lounge access
- The only major transferable currency (outside of Bilt) that has Hyatt as a partner
- Up to 2 cents per point for Points Boosts via Chase Travel℠
- Chase Travel℠ earning rate at 8X for flights, tours, activities, cruises, and more
Cons
- Stratospheric annual fee ($795)
- 4x travel category only applies to flights and hotels (unlike the more expansive 3X version enjoyed by the Ink Business Preferred), any other type of booking that isn’t through Chase Travel℠ earns only 1x
- Credits will be underwhelming for most, especially when compared to the consumer card
- Unlike the consumer Sapphire Reserve, authorized users do not get lounge access
- Requires $45K in additional spend for essentially the same “big spend” perks as the consumer card
- New York state cardholders with a primary insurance policy no longer get primary rental car insurance on domestic rentals.
- The Edit $250 credit requires a minimum 2-night stay
- Doesn’t offer restaurant access on the included Priority Pass membership
- While everyone in these parts loves Hyatt, Ultimate Rewards‘ airline transfer partners are less exciting
Chase Transfer Partners
| Rewards Program | Chase Transfer Ratio | Best Uses |
|---|---|---|
| Aer Lingus Avios | 1 to 1 | Fuel surcharges are sometimes lower when booking with Aer Lingus rather than British Airways, Qatar, or Iberia. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Air Canada Aeroplan | 1 to 1 | Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know. |
| Air France KLM Flying Blue | 1 to 1 | Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel. |
| British Airways Avios | 1 to 1 | While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can often be had in redeeming BA points for short distance flights outside the US. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Emirates Skywards | 1 to 1 | The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be extremely steep. One workaround is to book select routes such as JFK to Milan or Newark to Athens. See: How to find and book Emirates first class awards. |
| Finnair Plus+ | 1 to 1 via BA | Finnair points are now "Avios" and points can be moved to/from other Avios programs. Finnair uses zone based award charts rather than distance based. As a result, Finnair sometimes has better (and sometimes worse) pricing than other Avios programs. |
| Hyatt | 1 to 1 | Use for Hyatt free nights, free suite nights, lounge upgrades, or suite upgrades. Hyatt points are often worth more than 2 cents each. Bonus: award nights are not subject to resort fees. |
| Iberia Avios | 1 to 1 | On their own flights, Iberia offers low award prices and a very reasonable 25 Euro cancellation fee. Partner awards can offer good value under some circumstances as well, but these are usually nonrefundable. Fuel surcharges are sometimes lower when booking with Iberia rather than British Airways, Aer Lingus, or Qatar. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| IHG | 1 to 1 | IHG dynamically prices their awards and sometimes offer very good value. IHG Premier and IHG Premier Business cards offer the fourth night free on award stays. |
| JetBlue | 1 to 1 | JetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards. |
| Marriott Bonvoy | 1 to 1 | 5th Night Free awards. Opportunities to get outsized value exist but can be hard to find. |
| Qatar Privilege Club Avios | 1 to 1 via BA | Qatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia). It is now also possible to book JetBlue flights with Qatar Avios. |
| Singapore Airlines KrisFlyer | 1 to 1 | Use to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines). |
| Southwest Rapid Rewards | 1 to 1 | Award flights are fully refundable. Point values vary. Lower demand flights and those with higher taxes tend to offer better value. |
| United MileagePlus | 1 to 1 | United offers free award changes and free cancelations. Like Avianca and Aeroplan, United never charges fuel surcharges for awards. Unfortunately, United charges many more miles for international first class awards. |
| Virgin Atlantic Flying Club | 1 to 1 | Virgin Atlantic offers a few excellent sweet spot awards. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight). |
Related Cards
Ultimate Rewards Consumer Cards
| Card Offer and Details |
|---|
 ⓘ $292 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back* ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn $200 (*awarded as 20,000 points) after spending $500 in the first 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through September 2027 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) Card Info: Mastercard World issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DoorDash DashPass for 6 months upon activation ✦ Cell phone protection ✦ Lyft credits ✦ $10 quarterly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide |
 ⓘ $296 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn $200 (*awarded as 20,000 points) after spending $500 in the first 3 monthsNo Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24) FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review Earning rate: 5x travel booked through Chase Travel℠ ✦ 3x dining ✦ 3x drugstores ✦ 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 ✦ 1.5X everywhere else Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DoorDash DashPass for 6 months upon activation ✦ $10 quarterly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide |
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Great for 5X categories. Good companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Earning rate: 5X Lyft through September 2027; 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DoorDash DashPass for 6 months upon activation ✦ $10 quarterly Instacart credit ✦ 3 months free Instacart+ See also: Chase Ultimate Rewards Complete Guide |
 ⓘ $985 1st Yr Value Estimate$50 prepaid hotel credit valued at $35 Click to learn about first year value estimates 75K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 75,000 bonus points after spending $5,000 within the first three months from account opening.$95 Annual Fee Recent better offer: Expired 5/14/25: 100K after $5K spend FM Mini Review: Great welcome offer. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with no annual fee Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited. Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Primary auto rental collision damage waiver ✦ Free DoorDash DashPass (min. one year, must activate by 12/31/27)✦ $10 off each month on one non-restaurant orders from DoorDash ✦ Transfer points to airline & hotel partners ✦ $50 back for hotel stays booked through Chase per cardmember year in the form of a statement credit ✦ Each account anniversary earn bonus points equal to 10% of total purchases made the previous year. |
 ⓘ $1585 1st Yr Value Estimate$300 travel credit valued at $285, $300 StubHub credit ($150 Jan-Jun and again Jul-Dec) valued at $75, $500 Chase The Edit credit ($250 Jan-Jun and again Jul-Dec) valued at $125, $300 Chase Dining credit for dining at Sapphire Reserve Tables restaurants ($150 Jan-Jun and again Jul-Dec) valued at $75, $500 Chase Travel credit valued at $400 Click to learn about first year value estimates 100K Points + $500 Chase Travel℠ promo credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K + promo credit good for up to $500 towards a single Chase Travel℠ booking after $5K spend in 3 months. $795 Annual Fee Note that promotional travel credit is one-time use and if it is applied to a transaction of less than $500, the remaining value will be forfeited. FM Mini Review: Good all-around card for frequent traveler. Best when paired with no annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards. Click here for our complete card review Earning rate: 8X Chase Travel℠ ✦ 4X flights and hotels booked direct ✦ 3X Dining ✦ 5X Lyft (through September 2027) Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: After spending $75,000 each calendar year, get the following benefits: IHG One Rewards Diamond Elite Status ✦ Southwest Airlines A-List Status ✦ $500 Southwest Airlines credit when booked through Chase Travel ✦ $250 credit to The Shops at Chase Noteworthy perks: $300 Annual Travel Credit ✦ Transfer points to airline & hotel partners ✦ Up to $500 The Edit credit annually ($250 January to June and again July to December) ✦ Up to $300 Dining credit through Sapphire Reserve Exclusive Tables ($150 January to June and again July to December) ✦ Complimentary AppleTV+ and Apple Music through 6/22/27 ✦ Up to $300 in StubHub credits ($150 January to June and again July to December) ✦ Points worth up to 2 cents each towards qulalified bookings through Chase Travel ✦ Transfer points to airline & hotel partners ✦ Primary auto rental coverage ✦ Priority Pass Select lounge access ✦ Access Sapphire Lounges for yourself and 2 guests for free ✦ Access select Air Canada Maple Leaf lounges when flying Star Alliance ✦ Up to $120 Global Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit ✦ Free DoorDash DashPass through 2027 ✦ Two promos of $10 off each month on non-restaurant orders from DoorDash ✦ $5 off restaurant order each month from DoorDash ✦ $10 monthly Lyft creditPrimary auto rental coverage ✦ Priority Pass Select lounge access ✦ Access Sapphire Lounges for yourself and 2 guests for free ✦ Access select Air Canada Maple Leaf lounges when flying Star Alliance ✦ Up to $120 Global Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit ✦ Free DoorDash DashPass through 2027 ✦ Two promos of $10 off each month on non-restaurant orders from DoorDash ✦ $5 off restaurant order each month from DoorDash ✦ $10 monthly Lyft credit See also: Chase Ultimate Rewards Complete Guide |
Ultimate Rewards Business Cards
| Card Offer and Details |
|---|
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None This card is no longer available$0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through September 2027 Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Points worth 25% more when redeemed for travel ✦ Transfer points to airline & hotel partners See also: Chase Ultimate Rewards Complete Guide |
 ⓘ $1029 1st Yr Value EstimateClick to learn about first year value estimates Up to $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $350 (*awarded as 35,000 points) after $3K spend in 3 months and an additional $400 (*awarded as 40,000 points) after $6K spend in 6 months. No Annual Fee Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 FM Mini Review: This one should be in everyone's wallet. Incredible welcome offer for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5x Lyft through September 2027 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $20 monthly Instacart credit See also: Chase Ultimate Rewards Complete Guide |
 ⓘ $1127 1st Yr Value EstimateClick to learn about first year value estimates 90K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 90K after $8K spend in 3 months$95 Annual Fee Recent better offer: 120K after $8K spend (expired 9/4/24) FM Mini Review: Great card for welcome offer and 3X categories. Also consider the Ink Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere. Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through September 2027 Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Points worth up to 75% more when redeemed for travel with Points Boosts ✦ Transfer points to airline & hotel partners ✦ Cell phone protection against theft or damage See also: Chase Ultimate Rewards Complete Guide |
 ⓘ $1074 1st Yr Value EstimateClick to learn about first year value estimates $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $750 (*awarded as 75,000 points) after $6k spend in 3 monthsNo Annual Fee FM Mini Review: Great welcome offer for a no annual fee card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card review Earning rate: 1.5X on all purchases ✦ 5X Lyft through September 2027 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $20 monthly Instacart credit See also: Chase Ultimate Rewards Complete Guide |
ⓘ $2185 1st Yr Value Estimate$300 travel credit valued at $285, $500 Chase The Edit credit ($250 Jan-Jun and again Jul-Dec) valued at $125, $100 GiftCards.com credit ($50 Jan-Jun and again Jul-Dec for cards purchased from https://reservebusiness.giftcards.com/) valued at $50 Click to learn about first year value estimates 200K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 200K points after $30K spend in first 6 months.$795 Annual Fee FM Mini Review: Could be very appealing for a business that books a lot of travel, as it earns 8x through Chase Travel or 4x when booking direct through airline and hotels. It has decent perks, best-in-class travel protections, and earns valuable Chase Ultimate Rewards points. Best when paired with no annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards Earning rate: 8X Chase Travel℠ ✦ 4X flights and hotels booked direct ✦ 3X social media and search engine advertising ✦ 5X Lyft (through September 2027) Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: After spending $120,000 each calendar year, get the following benefits: IHG One Rewards Diamond Elite Status ✦ Southwest Airlines A-List Status ✦ $500 Southwest Airlines credit when booked through Chase Travel ✦ $500 credit to The Shops at Chase Noteworthy perks: $300 Annual Travel Credit ✦ Up to $500 The Edit credit ($250 January to June and again July to December) ✦ Up to $400 ZipRecruiter credit ($200 January to June and again July to December) ✦ $200 Google Workspace credit ✦ $100 Giftcards.com ($50 January to June and again July to December) ✦ Points worth 2 cents each towards qulalified bookings through Chase Travel(SM) ✦ Transfer points to airline & hotel partners ✦ Primary auto rental coverage ✦ Priority Pass Select lounge access ✦ Access Sapphire Lounges for yourself and 2 guests for free ✦ Access select Air Canada Maple Leaf lounges when flying Star Alliance ✦ Up to $120 Global Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit ✦ Free DoorDash DashPass through 2027 ✦ Two promos of $10 off each month on non-restaurant orders from DoorDash ✦ $5 off restaurant order each month from DoorDash ✦ $10 monthly Lyft credit See also: Chase Ultimate Rewards Complete Guide |
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While other business owners might find the benefits of the business version attractive, I’d be inclined to get the personal version for my company rather than the business version.
Note to Chase: The range of brands available on The Shops is far too narrow.
This must be one of the worse release for chase
Under “Pros”, shouldn’t u include the size of the bonus??? (Yes I know u could do a couple Inks In lieu of this)
Would OTA bookings count as 4x?
No.