Chase Sapphire Reserve® for Business card

Chase Sapphire Reserve® for Business

Earn up to 8x on flights and 8x on hotels. $3,290+ in statement credits per year. $795 annual fee.

🎁
Welcome Offer
150,000 bonus Ultimate Rewards points after you spend $20,000 in the first 3 months (limited-time offer).
Annual Fee
$795
Total Credits Value
$3,290
Potential Net Value
+$2,495

Earning Rates

8x
Flights
Travel Portal Only
4x
Flights
8x
Hotels
Travel Portal Only
4x
Hotels
8x
Travel
Travel Portal Only
3x
Advertising
5x
Lyft transit
1x
All Other Purchases
Base earn rate

Credits

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

Resets: Card anniversary year Valid at: Automatically applied to travel purchases
$300/yr
$300 Annual
Select Chase Travel Hotels Credit credit logo

Up to $250 in statement credits through 12/31/26 on prepaid Chase Travel hotel stays (2-night minimum) at IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels, Pan Pacific. Authorizing officer only.

Resets: Calendar year (through 12/31/26)
$250/yr
$250 Annual
The Edit Credit credit logo

Up to $500 per year ($250 max per transaction) in automatic statement credits for prepaid Pay Now stays of 2+ nights with The Edit by Chase Travel. Authorizing officer only.

Resets: Jan–Jun / Jul–Dec (max $250 per transaction) Valid at: The Edit by Chase Travel – 2-night minimum stay
$500/yr
$250 Semi-annual
TSA PreCheck/Global Entry/NEXUS credit logo

One statement credit of up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS application fee.

Resets: Every 4 years Valid at: Apply at ttp.cbp.dhs.gov or TSA PreCheck enrollment
$120/yr
$120 Annual
Gift Card Credit credit logo

Up to $100 per year ($50 Jan–Jun, $50 Jul–Dec) in statement credits when you purchase gift cards from the curated collection at giftcards.com/reservebusiness. Through 10/31/28.

Resets: Jan–Jun / Jul–Dec Valid at: giftcards.com/reservebusiness – curated collection
$100/yr
$50 Semi-annual
Google Workspace Credit credit logo

Up to $200 in annual statement credits on purchases made directly with Google Workspace. Through 12/31/27.

Resets: Calendar year Valid at: Purchases made directly with Google Workspace
$200/yr
$200 Annual
ZipRecruiter Credit credit logo

Up to $400 per year ($200 Jan–Jun, $200 Jul–Dec) in statement credits on purchases made directly with ZipRecruiter. Through 12/31/27.

Resets: Jan–Jun / Jul–Dec Valid at: Purchases made directly with ZipRecruiter
$400/yr
$200 Semi-annual
DoorDash Credit credit logo

Complimentary DashPass membership ($120 value, activate by 12/31/27) plus $25/month in DoorDash promos: one $5 restaurant promo and two $10 promos for groceries, retail, and more (through 12/31/27).

Resets: 1st of each month Valid at: Complimentary DashPass ($120/yr value) + $5 restaurant promo + two $10 non-restaurant promos per month
$300/yr
$25 Monthly
Lyft Credit credit logo

Up to $10 in monthly Lyft in-app credits, up to $120 annually. Add card to Lyft app; credit for Standard, Extra Comfort, XL, Black, or Black SUV. Through 9/30/27.

Resets: 1st of each month Valid at: Lyft in-app credit for rides
$120/yr
$10 Monthly
The Shops at Chase Credit credit logo

Up to $500 in statement credits at The Shops at Chase. Unlocks after you spend $120,000 on your card in a calendar year; benefits apply for remainder of that year and the following year. Authorizing officer only.

Resets: Calendar year (unlocks after $120k spend) Valid at: The Shops at Chase – unlocks after $120,000 card spend
$500/yr
$500 Annual
Southwest Airlines Credit credit logo

Up to $500 in statement credits for Southwest Airlines purchases on Chase Travel. Unlocks after you spend $120,000 on your card in a calendar year; benefits apply for remainder of that year and the following year. Authorizing officer only.

Resets: Calendar year (unlocks after $120k spend)
$500/yr
$500 Annual

Featured Benefits

Air Canada Maple Leaf Lounges & Cafés logo

Air Canada Maple Leaf Lounges & Cafés

Access select Air Canada Maple Leaf Lounges and Cafés with a same-day Star Alliance boarding pass; one complimentary guest (not available for Employee Cardmembers). Additional guests about $59.

Airport lounge access
Priority Pass Select logo

Priority Pass Select

Complimentary Priority Pass Select membership with unlimited visits to 1,300+ lounges worldwide; up to two complimentary guests ($27 each beyond that; not available for Employee Cardmembers).

Airport lounge access
Sapphire Lounge Access logo

Sapphire Lounge Access

Complimentary unlimited access to Chase Sapphire Lounges by The Club with up to two complimentary guests (not available for Employee Cardmembers).

Airport lounge access
IHG One Rewards Platinum Elite Status logo

IHG One Rewards Platinum Elite Status

Complimentary IHG One Rewards Platinum Elite status through 12/31/2027 (not available for Employee Cardmembers). Link your IHG account in Chase online banking.

IHG Platinum Elite status

Visa Infinite Car Rental Benefits

Visa Infinite car rental benefits including primary rental coverage, Avis and Hertz discounts, and complimentary National Emerald Club Executive membership when enrolled through Chase.

Avis, Hertz, and National benefits

Other Benefits

Benefit

The Edit Stay Benefits

Property credit, daily breakfast for two, room upgrade (when available), and more — average value of $550+ per stay when booked through The Edit by Chase Travel.

Travel

1:1 Point Transfer

Transfer Ultimate Rewards points 1:1 to leading airline and hotel loyalty programs.

Transportation

Auto Rental Coverage (primary)

Decline the rental company's collision damage waiver and pay with the card; primary coverage when renting for business purposes, up to $75,000 for theft and collision damage on most U.S. and international rentals.

Insurance

Trip Cancellation and Interruption Insurance

Up to $10,000 per covered traveler and $20,000 per trip for prepaid, non-refundable travel expenses when a trip is canceled or cut short by sickness, severe weather, or other covered situations.

Insurance

Trip Delay Reimbursement

Up to $500 per covered traveler for unreimbursed expenses (meals, lodging) when common-carrier travel is delayed more than 6 hours or requires an overnight stay.

Insurance

Travel Accident Insurance

Up to $1,000,000 in accidental death or dismemberment coverage when air, bus, train, or cruise transportation is paid with the card.

Transportation

Lost Luggage Reimbursement

Up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.

Transportation

Baggage Delay Insurance

Up to $100 per day for 5 days for essential purchases (toiletries, clothing) when baggage is delayed over 6 hours.

Insurance

Emergency Evacuation and Transportation

Up to $100,000 in coverage when injured or sick on a trip 100+ miles from home that results in emergency evacuation.

Insurance

Emergency Medical and Dental

Up to $2,500 for medical expenses (subject to a $50 deductible) when sick or injured on a trip 100+ miles from home.

Benefit

Roadside Assistance

Up to $50 per incident for tow, battery, tire change, locksmith, or fuel; up to 4 times per year.

Benefit

Travel and Emergency Assistance Services

24/7 legal and medical referrals plus other travel-emergency assistance (cardmember pays for any goods or services obtained).

Service

Visa Infinite Concierge

24/7 assistance with dining, entertainment, and travel bookings.

Insurance

Cell Phone Protection

Up to $1,000 per claim against covered theft or damage on cell phones listed on your monthly bill when paid with the card; maximum 3 claims per 12-month period, $100 deductible per claim.

Insurance

Purchase Protection

120 days of coverage against damage or theft on eligible new purchases, up to $10,000 per item.

Insurance

Return Protection

Reimbursement for eligible items the store won't accept within 90 days of purchase, up to $500 per item and $1,000 per 12-month period.

Insurance

Extended Warranty Protection

Adds one additional year on eligible U.S. manufacturer warranties of three years or less.

Benefit

Pay in Full + Flex for Business

Two-line credit structure: Pay in Full balance is paid each month while Flex for Business balance can be paid over time with interest (up to its limit).

Card Terms

Free Employee Cards

Add employee cards at no additional cost; set individual spending limits and earn rewards on their spend.

Benefit

Employee Travel Insights

Increased visibility into employee travel and accelerated earn on their spend via Chase Travel.

Benefit

24/7 Account Management

24/7 access to view account details, quarterly reports, and up to 24 months of statement details.

Benefit

Dedicated Customer Service

24/7 access to dedicated customer service specialists from anywhere in the world.

Global

No Foreign Transaction Fees

No foreign transaction fees on purchases processed outside the U.S.; issuer and network rules still apply.

Status

$120k Annual Spend Status Unlocks

IHG One Rewards Diamond Elite status and Southwest Rapid Rewards A-List status when you spend $120,000+ in a calendar year (the credits portion — $500 The Shops + $500 Southwest — appears separately as benefits); benefits apply for the remainder of that year and through the following calendar year.

Learn More

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