# 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.

Canonical page: https://cardstack.money/cards/chase-sapphire-reserve-for-business
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Chase
- Network: Visa
- Annual fee: $795
- Rewards program: Ultimate Rewards (https://cardstack.money/programs/chase-ultimate-rewards.md)
- Total statement credits value: $3,290 per year
- Net value after annual fee: +$2,495 per year (credits value minus fee)
- Welcome offer: 200,000 bonus Ultimate Rewards points after you spend $30,000 in the first 6 months (limited-time elevated offer; standard offer is 150,000 points).

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 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 |

## Statement credits

### Annual Travel Credit - $300/yr ($300 annual)

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

- Resets: Card anniversary year
- Where to redeem: Automatically applied to travel purchases
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-for-business-annual-travel-credit.md

### Select Chase Travel Hotels Credit - $250/yr ($250 annual)

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)
- Where to redeem: Chase Travel (https://travel.chase.com), IHG Hotels (https://www.ihg.com)
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-for-business-select-chase-travel-hotels-credit.md

### The Edit Credit - $500/yr ($250 semi-annual)

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)
- Where to redeem: The Edit by Chase Travel – 2-night minimum stay
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-for-business-the-edit-credit.md

### TSA PreCheck/Global Entry/NEXUS - $120/yr ($120 every 4 years)

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

- Resets: Every 4 years
- Where to redeem: Apply at ttp.cbp.dhs.gov or TSA PreCheck enrollment
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-for-business-tsa-precheckglobal-entrynexus.md

### Gift Card Credit - $100/yr ($50 semi-annual)

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
- Where to redeem: giftcards.com/reservebusiness – curated collection
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-for-business-gift-card-credit.md

### Google Workspace Credit - $200/yr ($200 annual)

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

- Resets: Calendar year
- Where to redeem: Purchases made directly with Google Workspace
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-for-business-google-workspace-credit.md

### ZipRecruiter Credit - $400/yr ($200 semi-annual)

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
- Where to redeem: Purchases made directly with ZipRecruiter
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-for-business-ziprecruiter-credit.md

### DoorDash Credit - $300/yr ($25 monthly)

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
- Enrollment required: yes
- Where to redeem: Complimentary DashPass ($120/yr value) + $5 restaurant promo + two $10 non-restaurant promos per month
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-for-business-doordash-credit.md

### Lyft Credit - $120/yr ($10 monthly)

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
- Where to redeem: Lyft in-app credit for rides
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-for-business-lyft-credit.md

### The Shops at Chase Credit - $500/yr ($500 annual)

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)
- Where to redeem: The Shops at Chase – unlocks after $120,000 card spend
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-for-business-the-shops-at-chase-credit.md

### Southwest Airlines Credit - $500/yr ($500 annual)

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)
- Where to redeem: Chase Travel (https://travel.chase.com), Southwest Airlines (https://www.southwest.com)
- Details: https://cardstack.money/benefits/chase-sapphire-reserve-for-business-southwest-airlines-credit.md

## Featured benefits

- **Air Canada Maple Leaf Lounges & Cafés** (Airport lounge access): 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.
- **Priority Pass Select** (Airport lounge access): 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).
- **Sapphire Lounge Access** (Airport lounge access): Complimentary unlimited access to Chase Sapphire Lounges by The Club with up to two complimentary guests (not available for Employee Cardmembers).
- **IHG One Rewards Platinum Elite Status** (IHG 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.
- **Visa Infinite Car Rental Benefits** (Avis, Hertz, and National 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.

## Other benefits

- **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.
- **1:1 Point Transfer**: Transfer Ultimate Rewards points 1:1 to leading airline and hotel loyalty programs.
- **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.
- **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.
- **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.
- **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.
- **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.
- **Baggage Delay Insurance**: Up to $100 per day for 5 days for essential purchases (toiletries, clothing) when baggage is delayed over 6 hours.
- **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.
- **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.
- **Roadside Assistance**: Up to $50 per incident for tow, battery, tire change, locksmith, or fuel; up to 4 times per year.
- **Travel and Emergency Assistance Services**: 24/7 legal and medical referrals plus other travel-emergency assistance (cardmember pays for any goods or services obtained).
- **Visa Infinite Concierge**: 24/7 assistance with dining, entertainment, and travel bookings.
- **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.
- **Purchase Protection**: 120 days of coverage against damage or theft on eligible new purchases, up to $10,000 per item.
- **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.
- **Extended Warranty Protection**: Adds one additional year on eligible U.S. manufacturer warranties of three years or less.
- **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).
- **Free Employee Cards**: Add employee cards at no additional cost; set individual spending limits and earn rewards on their spend.
- **Employee Travel Insights**: Increased visibility into employee travel and accelerated earn on their spend via Chase Travel.
- **24/7 Account Management**: 24/7 access to view account details, quarterly reports, and up to 24 months of statement details.
- **Dedicated Customer Service**: 24/7 access to dedicated customer service specialists from anywhere in the world.
- **No Foreign Transaction Fees**: No foreign transaction fees on purchases processed outside the U.S.; issuer and network rules still apply.
- **$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.


---

CardStack automatically tracks the Chase Sapphire Reserve for Business's $3,290 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863