Chase Sapphire Reserve® For Business Review 2025: Worth The Wait?

Forbes

4 hours ago

Chase Sapphire Reserve for Business cardholders can access over 1,300 lounges around the globe. This includes the Sapphire Lounge by the Club network and Priority Pass Select with enrollment.
Notably, primary card members can also bring two free guests per visit, including to the luxury Sapphire Lounge by the Club network. While competitors have made recent moves to remove complimentary guest access from their high-end lounges, the Sapphire Reserve stands out by continuing to buck that trend. Money-Saving Annual Travel Credits
We were excited to learn that the Chase Sapphire Reserve for Business will receive the same flexible $300 annual travel credit that the personal Chase Sapphire Reserve® has long been famous for. Unlike some travel credits from competing cards, you don't need to book travel through a portal to use this credit. Instead, it goes toward the first $300 you spend on any travel purchases each year with an extensive list of qualifying purchases.
But the Sapphire Reserve for Business doesn't stop there. It also offers a $500 credit for stays with The Edit by Chase Travel's collection of hotels and resorts—up to $250 from January to June for prepaid bookings and another $250 from July to December. This is the first business card to provide access to The Edit. Plus, card members who book at least a two-night stay will receive additional on-property benefits like a $100 property credit, daily breakfast for two, room upgrades (when available) and more. Up to 8X Points on Travel Bookings
With the Sapphire Reserve for Business, you'll 5% cash back on travel purchased through Chase Travel℠, 2.5% cash back on purchases of $5,000 or more and 2% cash back on all other purchases. Those are strong earnings rates, especially since some top competitors like the The Business Platinum Card® from American Express (Terms apply, rates & fees) and Capital One Venture X Business don't offer any bonus points for travel purchased outside their respective portals. Excellent Redemption Flexibility
Unlike the rewards earned by many other premium travel cards, Ultimate Rewards points can be redeemed for cash back at a value of 1 cent per point. However, you could find much higher value through travel redemptions, such as by transferring points to one of Chase's travel partners or taking advantage of Chase's new 'Points Boost' program, where points can be worth up to 2 cents each. Wide Array of Credits Tailored to Businesses
Chase is offering over $1,000 in potential value for eligible purchases with select business services. These include: $400 ZipRecruiter credit for hiring. Earn up to $200 in statement credits from January to June and another $200 from July to December for purchases made directly with ZipRecruiter.
Earn up to $200 in statement credits from January to June and another $200 from July to December for purchases made directly with ZipRecruiter. $200 Google Workspace credit for AI business tools. Earn up to $200 annually in statement credits for purchases made directly on Google Workspace.
Earn up to $200 annually in statement credits for purchases made directly on Google Workspace. $100 Giftcards.com credit for employee appreciation. Earn up to $50 in statement credits from January to June and another $50 from July to December when you purchase gift cards from giftcards.com/reservebusiness.
Earn up to $50 in statement credits from January to June and another $50 from July to December when you purchase gift cards from giftcards.com/reservebusiness. $300 DoorDash value. Get up to $25 in monthly promos, including a $5 promo for restaurants and two $10 promos for non-restaurant orders. Promos will be available at checkout for orders placed with a Sapphire Reserve card enrolled in DashPass.
Get up to $25 in monthly promos, including a $5 promo for restaurants and two $10 promos for non-restaurant orders. Promos will be available at checkout for orders placed with a Sapphire Reserve card enrolled in DashPass. $120 DashPass membership for DoorDash. Get $0 delivery fees and reduced service fees for a minimum of one year when you activate your complimentary DashPass membership by December 31, 2027.
Get $0 delivery fees and reduced service fees for a minimum of one year when you activate your complimentary DashPass membership by December 31, 2027. $120 in Lyft in-app credits. Get up to $10 per month. Plus, cardholders earn 5X total points on Lyft rides through September 30, 2027.
There's generally less fine print with these benefits than what you'll find with the Amex Business Platinum's bevy of credits. Still, the majority of them are broken up into monthly or semiannual chunks. And the $25 monthly DoorDash value could be especially difficult to maximize as it's broken up into not one, not two, but three different promos; and only $5 each month can be used toward restaurant orders. Best-in-Class Travel Protections
The Chase Sapphire Reserve has long been renowned for offering some of the strongest travel protections on the market, and the business version of the card is following in that tradition. It delivers the same comprehensive lineup of travel protections, including primary auto rental coverage, trip cancellation and interruption insurance, trip delay reimbursement, lost luggage reimbursement, baggage delay insurance and more. It's worth noting these protections extend to employee cardholders as well. Bonus: Extra Benefits for Big Spenders
If you spend $120,000 on the Reserve Business card in a calendar year, you'll unlock a set of exclusive perks that last through the end of that year and all of the next. These include IHG One Rewards Diamond Elite status and Southwest Airlines A-List status. Plus, you'll get up to $1,000 in statement credits—up to $500 for Southwest Airlines flights booked through Chase Travel and up to $500 to use at the Shops at Chase, Chase's new online shopping platform. Other Chase Sapphire Reserve for Business Benefits Complimentary IHG Platinum Elite status through December 31, 2027. Enjoy perks like room upgrades, early check-in and late checkout at IHG hotels. As a reminder, cardholders who spend up to $120,000 are granted top-tier IHG Diamond Elite status.
Enjoy perks like room upgrades, early check-in and late checkout at IHG hotels. As a reminder, cardholders who spend up to $120,000 are granted top-tier IHG Diamond Elite status. Global Entry, TSA PreCheck® or NEXUS Credit. Receive a statement credit every four years to reimburse the application fee for one of these trusted traveler programs (up to $120).
Receive a statement credit every four years to reimburse the application fee for one of these trusted traveler programs (up to $120). Purchase protection. Covers new purchases for 120 days against damage or theft, up to $10,000 per item.
Covers new purchases for 120 days against damage or theft, up to $10,000 per item. Return protection. Eligible items can be reimbursed if the merchant won't accept a return, up to $500 per item and $1,000 per year.
Eligible items can be reimbursed if the merchant won't accept a return, up to $500 per item and $1,000 per year. Extended warranty protection. This coverage adds an additional year to eligible U.S. manufacturer warranties of three years or less.
This coverage adds an additional year to eligible U.S. manufacturer warranties of three years or less. No foreign transaction fees. Use your card abroad or make purchases with international companies without paying any extra fees.
Use your card abroad or make purchases with international companies without paying any extra fees. Free employee cards. Add employee cards at no additional cost to help earn rewards faster and track spending easily.