Sapphire Reserve for Business℠
Chase’s flagship business travel card — lounge access, premium credits, and elevated earning on travel and ad spend.
Sapphire Reserve for Business℠
Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
Learn More → Terms apply. See the issuer’s site for rates, fees, and full offer details.Where it earns
A premium hub for business spend. Points earned here pool with the Ultimate Rewards on your other Chase cards, then transfer 1:1 to airline and hotel partners like Hyatt and Southwest. Funnel everyday business spend through no-fee Ink cards and route travel and ad spend here for the elevated rates and Points Boost.
Ink Business Cash® Ink Business Unlimited® Chase Sapphire Reserve®
A serious card for a serious business — not a side hustle
Let’s set expectations: this is a $795 card with a $20,000 spending requirement to land the bonus. That’s not a starter card or a side-hustle play — it’s built for an established business that already spends heavily on travel and advertising.
If that’s you, the math gets interesting fast. The credits skew toward real business tools — ZipRecruiter, Google Workspace, travel — so for the right owner they genuinely offset most of the fee. And the travel side mirrors the personal Reserve: lounge access on long mainland connections, full transfer partners, and Points Boost to stretch a Hyatt-Maui or premium-cabin redemption.
My view: only reach for this if you can hit the $20,000 organically and will actually use the business credits. One nice wrinkle — it’s not tied to the personal Sapphire rules, so you can hold a personal CSP or CSR and still earn this bonus. But if you can’t fill the credits, a $95 Ink Preferred will treat your business better.
What you get
Lounge Access
Complimentary Priority Pass™ Select and Chase Sapphire Lounge access for the primary cardmember and up to two guests.
Transfer Partners
Move points 1:1 to Chase’s airline and hotel partners, including Hyatt, United, Southwest, and Aeroplan.
$300 Travel Credit
Up to $300 in statement credits each anniversary year on travel purchases — the most flexible travel credit available.
The Edit Hotel Credit
Up to $500 each year toward prepaid stays through The Edit by Chase Travel℠ (two-night minimum).
Business Statement Credits
Annual credits toward ZipRecruiter, Google Workspace, and Giftcards.com to offset everyday business costs.
Free Employee Cards
Add employee cards at no cost; they earn points at the same rate as the primary card.
Bonus eligibility for this card is not tied to the personal Sapphire lineup — you can hold a personal Sapphire card and still earn this offer. Chase considers its 5/24 guideline for approval, though business cards generally do not add to your 5/24 count. Credit score ranges are estimates only and approval is not guaranteed.