The $795 Chase Sapphire Reserve Business card could be 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. With the Sapphire Reserve Business card, points are worth 2 cents each when redeemed for qualified bookings through Chase Travel.
Application Tips
- 5/24 Rule: You are unlikely to be approved for a new card if you have opened 5 or more cards (with any bank) within the past 24 months. Most business cards do not count towards that five-card total. Business cards that DO count include: TD Bank, Discover, and the Capital One Spark Cash Select, Spark Miles, and Spark Miles Select.
- 24 Month Rule: If you’ve had a card before, you can only get a welcome offer on that card again if you no longer have it, AND it's been more than 24 months since you last received a welcome offer for that card. This rule does not apply to the Sapphire Preferred and Reserve cards (see below). There can also be exceptions with some business cards.
- Sapphire cards: The Sapphire Preferred or Sapphire Reserve cards no longer have a family rule that prevents you from getting one if you currently have the other. However, both now have limitations that may prevent you from being eligible for a welcome offer if you've previously had the same card. In that event, you'll get a pop-up window telling you that you're not eligible, and you will be asked whether you want to proceed with the application without the welcome offer attached.
- Southwest "Family" Rules: Chase applies additional "family" rules to the Southwest cards. You're not eligible for the welcome offer on a personal Southwest card if you currently have one, or if you've received a welcome offer on any personal Southwest card within the last 24 months. This doesn't apply to business cards. You also can't be approved for the Southwest consumer card if you already have one open.
- IHG "Family" Rules: You're not eligible for the welcome offer if you've received one on any personal IHG card within the last 24 months. You also can't be approved for another IHG consumer card if you already have one open. You can have both an IHG personal and an IHG business card.
- Ink "Lifetime" Rule: You "may not" be eligible for the welcome offer on an Ink no-annual-fee card if you have ever had the same card or any other Chase for Business card without an annual fee. In addition, you may not be eligible for a welcome offer on a Chase Ink Business Preferred card if you currently have the card or have had it in the past. We don't yet know how consistently this is enforced.
- 2 per month Rule: Most applicants are limited to 2 new cards per 30 days. Business cards are usually limited to one per 30 days.
- Marriott cards: Approval for any Marriott card is governed by a labyrinthine set of unintuitive rules. You can see the full eligibility chart here.
- Card Limits: Chase doesn't have a strict limit on the number of cards you can have, but it does place limits on the total credit it will issue across all cards. Because of this, reconsideration can sometimes be successful by moving credit from one existing card to the new card that you want.
- Application Status: Call (888) 338-2586 to check your application status.
- Reconsideration: If denied, call (888) 270-2127 for personal cards or (800) 453-9719 for business cards, and ask that your application be reconsidered.
Should you apply?
Even though this is a business card, it’s a good choice for anyone interested in earning Chase points, and it’s a great card to get for the welcome offer.
If you are eligible (see next section), the intro offer on this card could make it a fantastic choice.
Are you eligible?
To get this Chase Sapphire Reserve Business card, you must have a business, and you must be under 5/24 (more on 5/24 below).
| Applying for Business Credit Cards Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort. When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website. Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so. |
| Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely. |
How to apply
You’ll find a link at the top of this page.
Application status
After you apply, call (888) 338-2586 to check your application status.
Reconsideration
If your application is denied, I recommend calling for reconsideration (1-888-270-2127). It’s surprising how often denials can be changed to approvals just by asking.
Perks
$300 Travel Credit
Automatically earn $300 in statement credits each membership year as reimbursement for travel purchases. For those who spend at least that much each year on travel, this effectively lowers the $795 annual fee to approximately $495. Note, though, that you will not earn rewards on the $300 in spend that is reimbursed.
Ultra-Premium Ultimate Rewards
Since this is an ultra-premium Ultimate Rewards card, the following rewards are available:
- Redeem Points for up to 100% More Value: Points are worth 1 cent per point value with most travel, or up to 2 cents per point value for travel with “Points Boost” offers.
- Erase statement charges for 25% more value: Points are worth 1.25 cents each when used to erase select categories of charges via Pay Yourself Back.
- Transfer Points to Partners: Points can be transferred one-to-one to a number of airline and hotel loyalty programs.
Travel Benefits
- Priority Pass Select Lounge Membership: Membership includes free access to lounges for yourself and up to two guests. Priority Pass restaurants are not an included benefit.
- Sapphire Lounge: Use your Sapphire Reserve Priority Pass card to access Sapphire Lounges for free. You may bring up to two guests per visit for free, and additional guests for $27. There’s no additional charge for children under two.
- Air Canada Maple Leaf Lounge: Use your Sapphire Reserve card to access select Air Canada Maple Leaf lounges for free. You must have a same-day boarding pass or ticket for a Star Alliance carrier. Access is for cardholders and/or authorized users only.
- Global Entry, TSA PreCheck®, and NEXUS Fee Credit: Receive a statement credit of up to $120 every 4 years as reimbursement for the Global Entry, TSA Pre Check, or NEXUS application fee charged to your card.
- Up to $500 The Edit credit: The Edit is a curated list of high-end hotels and resorts. When you book through The Edit, you get benefits like a $100 property credit, daily breakfast for two, room upgrades, etc. With the new Sapphire Reserve Business card, you can get up to $250 in statement credits twice per calendar year for prepaid bookings made with The Edit. Two-night minimum. Purchases that qualify will not earn points.
- IHG Platinum status through 12/31/27
- Car rental privileges: National Car Rental Executive status is quite valuable. Also includes discounts with Avis and Silvercar.
- Elite Hotel Benefits at Relais & Châteaux: Receive “a VIP welcome” and complimentary breakfast daily at select properties.
- 4th night free at select sbe hotels: At select sbe hotels, get the 4th night free, free breakfast, $30 hotel credit, and more. Read our in-depth coverage of this perk here.
- Visa Infinite Concierge Service: “Access to Visa Infinite Concierge who can help you with requests, like dinner reservations, or Broadway, music, and sporting event tickets. Call 1-877-660-0905 to reach the Visa Infinite Concierge.1 Traveling outside the U.S.? Call us collect at 1-312-800-4290.”
- No foreign transaction fees
Travel Protections
In our opinion, the Sapphire Reserve and Sapphire Reserve Business have the best automatic travel protections of any card on the market today. Most of the following protections kick in even if you pay with points or pay only in part with your card. More details and a comparison to other ultra-premium cards can be found here: Ultra-Premium Credit Card Travel Insurance.
- Auto Rental Coverage: Chase offers primary auto rental CDW (collision damage waiver). Here’s the description directly from Chase: “Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.” Note that this coverage is now secondary on domestic rentals for New York residents with a primary insurance policy.
- Roadside Assistance: “If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.”
- Trip Cancellation / Interruption Insurance: “If your trip is cancelled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.”
- Trip Delay Reimbursement: “If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.”
- Lost Luggage Reimbursement: If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.”
- Baggage Delay Insurance: “Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.”
- Travel Accident Insurance: “When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.”
- Emergency Evacuation & Transportation: “If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.”
- Emergency Medical and Dental Benefit: “If you’re 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.”
Purchase Protection
- Extended Warranty: “Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.”
- Damage and Theft Protection: “Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.”
- Return Protection: “You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year.”
Dining & Food Delivery Benefits
- DashPass + Monthly DoorDash benefits: Cardholders get a complimentary DashPass membership for 12 months when activated by 12/31/27 and access to one monthly $5 restaurant promo and two $10 promos for non-restaurant orders. These coupons must be applied at checkout when placing an order and require using your Sapphire Reserve for Business card, and that it is enrolled in DashPass. Monthly promos expire each month if unused.
Lyft Rideshare Benefits
- 5X Rewards: Use your Sapphire Reserve Business card with Lyft in order to earn 5 points per dollar through September 2027. Plus, get $10 monthly in-app Lyft discounts.
Other Perks
- $400 ZipRecruiter credit: Cardmembers can earn up to $200 in statement credits on purchases made directly with ZipRecruiter from January through June and again from July through December.
- $200 Google Workspace credit: Earn up to $200 in annual statement credits on purchases made directly on Google Workspace
- $100 Giftcards.com credit: Earn up to $50 in statement credits from January to June and again from July to December when purchasing gift cards from a curated collection of notable brands on giftcards.com/reservebusiness.
- $120K 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
- World of Hyatt Explorist Status
- Southwest Airlines A-List Status and a $500 Southwest Airlines credit when booked through Chase Travel
- $500 credit to The Shops at Chase, a new online shopping experience designed exclusively for cardmembers, allowing them to shop for brands including Dyson, Sony, Therabody, and Tumi, with rotating promotions, using their ultimate rewards points or their card to pay.
Earn Points
Welcome Bonus
This card earns super-valuable Ultimate Rewards points. Here’s the current welcome bonus offer:
Refer Friends
Referring friends is often a good way to earn extra points with Chase products, but referral offers come and go over time. When referral offers are available, Chase sends emails to eligible cardholders with the offer details. Cardholders can also look for Chase friend referral offers here.
Bonus Spend
Redeem Points
Cash Back
Cardholders can redeem points for 1 cent each either as statement credits or as cash back. Cash back can be taken as a statement credit or via check, or via ACH transfer.
Travel
Redeem points for travel: Up to 2 cents per point
This card offers 1 cent per point value with most travel, or up to 2 cents per point value for travel with Points Boost offers. All hotels available through The Edit will have 2x Points Boosts. More details about Points Boosts can be found here: Chase Travel ending 1.5c & 1.25c redemptions, replacing with Points Boost.
Details about booking travel through Chase
You can use the Chase portal to book airfare, hotels, cruises, activities, and car rentals. Airfare purchased through the portal still earns airline miles and elite qualifying miles. Hotels booked this way do not earn hotel rewards unless the portal specifically notes otherwise. Worse, hotels booked through the portal often won't offer you elite benefits even if you have status.Travel protections apply
When you pay with points for travel, Chase's automatic travel protections do apply. So, you can be covered for things like car rentals, trip delays, trip cancellation & interruption, lost luggage, etc. The coverage you receive will be based on which card's rewards were used to book the trip. For example, if you have both a Chase Sapphire Preferred and a Sapphire Reserve, you would want to move your points from the Preferred to the Reserve and then use the Reserve points to book your trip. You will get both better value and better travel protections. See: Sapphire Reserve Travel Insurance.Transfer points
The best use of Chase points, in my opinion, is to transfer points to airline and hotel partners in order to book high value awards. Your best bet is usually to wait until you find a great flight or night award before transferring points. Points transfer at a ratio of 1:1 as shown in the list of transfer partners below. Keep in mind that while transfers are instantly posted to most loyalty programs, transfers to Singapore Krisflyer and Marriott Bonvoy are not instant.
Move points to premium or ultra-premium card first
You cannot transfer points directly from a no-annual-fee Chase card to airline or hotel partners, but you can move points first to a premium card (Sapphire Preferred or Ink Business Preferred, for example) or ultra-premium card (Sapphire Reserve) and then transfer the points to airline or hotel partners. Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user on the account. Points can also be transferred to the loyalty account of a joint business owner, but they do need to be an authorized user on the associated business account.Transfer Partners
| Rewards Program | Best Uses |
|---|---|
| Aer Lingus Avios | 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 | 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 | 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 | 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. |
| Finnair Plus+ | 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 | 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 | 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 | 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 | 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 | 5th Night Free awards. Opportunities to get outsized value exist but can be hard to find. |
| Qatar Privilege Club Avios | 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 | 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 | Award flights are fully refundable. Point values vary. Lower demand flights and those with higher taxes tend to offer better value. |
| United MileagePlus | 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 | Virgin Atlantic offers a few excellent sweet spot awards. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight). |
| Wyndham | Wyndham often allows booking multi-room suites for the same price as a standard room. It's sometimes possible to get great value from points in that way. Bonus: award nights are not subject to resort fees. Wyndham Earner cards offer automatic 10% discount on award stays. |
Other ways to redeem points
You can redeem Ultimate Rewards points for cash back, gift cards, merchandise, or experiences through the Chase portal. With this approach, you'll usually get 1 cent per point value. One exception is that Chase occasionally offers gift cards at a discount so you may be able to get better than 1 cent per point value during a gift card sale.
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay). Don't do this. These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your points - causing you a headache in getting your points reinstated).
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay). Don't do this. These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your points - causing you a headache in getting your points reinstated).
Manage Points
Combine Points Across Cards
If you are the primary account holder with multiple cards, you can freely combine Chase points back and forth between your accounts. Your points can then be redeemed according to the card to which you move them.
For example, if you have the no-annual-fee Ink Business Cash card and the ultra-premium Sapphire Reserve® card, you can earn 5X points per dollar on purchases at office supply stores (on up to $25,000 spend per cardmember year) with the Ink Card and then move those points to your Sapphire Reserve account to redeem them for value through Chase Travel℠.
If you intend to cancel a card that earns Chase points, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account. A product change should not affect your balance, but some people prefer moving points before a product change as well, just to be safe.
If you intend to cancel a card that earns Chase points, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account. A product change should not affect your balance, but some people prefer moving points before a product change as well, just to be safe.
Share Points Across Cardholders
Chase allows customers to transfer Chase points to any other account in that customer's name or to one additional household member or joint business owner (for free). You do need to call Chase the first time you transfer points to a different person's account, but once that's been done, you can freely transfer points online in the future.
Why this is valuable:
Why this is valuable:
- You earn points with the card offering the best return on purchases and then use points with the card offering the best redemption rate.
- Only one member of your household needs to maintain a premium card for transferring to partners or booking travel (though note that the primary cardholder can only transfer points to partner loyalty programs in the name of the primary cardholder or authorized users).
How to Keep Points Alive
Thankfully, it is very easy to keep Chase points alive and kicking: simply leave the points in an open account and they will not expire.
Note that if you close a card that earns Chase points, you will lose any points associated with that card. You should first combine points to move points away from the card you intend to close and to another card that will remain open as per the sharing section above before canceling.
Authorized Users
- Annual fee: $0
- $300 travel credit? Authorized users do not get their own travel credits. Travel purchases made on authorized user cards do get reimbursed, but the reimbursement comes out of the same $300 per year bucket as the primary card.
- Airport Lounge Access? Authorized users do not get lounge access.
- Primary car rental collision damage waiver? Yes
- Global Entry or TSA Pre Fee Credit? Authorized users do not get their own Global Entry or TSA Pre reimbursements. Enrollment fees charged to authorized user cards do get reimbursed, but it comes out of the same single reimbursement every 4 years as the primary card.
- Why consider paying for authorized user cards? Many will find that it is not worth adding authorized users, unless as needed for convenience by businesses.
