08-07-2025
Chase Sapphire Reserve for Business review: A $795 card with travel and business statement credits
The Chase Sapphire Reserve for BusinessSM (see rates and fees) is Chase's newest business card that brings premium benefits and uncapped rewards at a hefty price.
While the card does carry an annual fee of $795, it can be offset by offering over $2,500 in value a year, from travel benefits to business tools. Here's a full review on the card so you can decide if it's a good fit for your business needs.
On Chase's site
On Chase's site
Cardmembers can earn 200,000 points after spending $30,000 on purchases in the first six months of account opening
Good to Excellent670–850
Flex for Business APR: 18.49% - 26.49% Variable
$795
Earn 200,000 bonus points
See rates and fees. Terms apply. Member FDIC.
The Chase Sapphire Reserve for Business brings over $2,500 in value to business owners who value travel and premium experiencesNew Chase Sapphire Reserve for Business cardholders can earn 200,000 points after spending $30,000 on purchases in the first six months of account opening. Since Chase Ultimate Rewards® points are valued by experts at roughly 2 cents per point, this bonus can be worth up to $4,000, if you maximize it.
The Chase Sapphire Reserve for Business comes loaded with premium statement credits and perks, totaling over $2,500 in value each year.
There are a handful of additional credits after spending $120,000 in a calendar year on the card:
On top of the pure value from statement credits, the Sapphire Reserve for Business has a handful of other features that could be useful:
The Chase Sapphire Reserve for Business doesn't limit your maximum earnings in any of its reward categories and earns in the form of Chase Ultimate Rewards points.
While these are fairly standard offerings for a business card, the fact that you can earn an unlimited 3X points on social media and search engine advertising could be a nice benefit for many businesses looking to increase their marketing reach.
And the 4X points for flights and hotels booked directly can be a nice fallback if the options currently available through Chase Travel don't fit your needs.
Chase Ultimate Rewards can be redeemed in several ways, including as statement credits or gift cards, but often the most value comes when you transfer them to one of Chase's 14 travel partners. The partners include 11 airlines and 3 hotels:
One of the nice parts about transferring points with Chase is that all the points transfer at a 1:1 ratio, regardless of the partner you're moving points to. Which airline or hotel you ultimately choose will depend on where you're headed but some partners, like United MileagePlus and World of Hyatt, offer more options.
The Sapphire Reserve for Business will also be a part of Chase's new Points Boost feature. This allows Reserve cardholders to redeem their rewards for up to 2X when booking select top hotels and flights through Chase Travel.
The Chase Sapphire Reserve for Business has one of the highest annual fees at $795. There are no foreign transaction fees.
Here's how the Sapphire Reserve for Business stacks up against other premium business travel cards.
On the American Express site
On the American Express site
The Business Platinum Card from American Express' welcome bonus is one of the most valuable offers available right now.
Good to Excellent670–850
18.49%-29.24% Variable
$695
Welcome Offer: Earn 150,000 Membership Rewards® points
See rates and fees, terms apply. Read our Amex Business Platinum review.
The Business Platinum Card from American Express is a premium business card loaded with statement credit offers for business services and travel that help justify its steep annual Business Platinum Card® from American Express offers a similar format to the Sapphire Reserve for Business card, with a lot of the value tied to statement credits. With a slightly lower annual fee of $695 (see rates and fees), Amex's Business Platinum Card offers a flat 1.5X points on eligible purchases in several key business categories, or purchases of $5K or more. The card offers over $2,000 in travel and business value each year, and it provides complimentary access to over 1,400 airport lounges globally, including The Centurion Lounge.
Information has been collected independently by CNBC Select
Information has been collected independently by CNBC Select
Excellent740–850
N/A
$395
Earn up to 150,000 bonus miles
Terms apply. Information about the Capital One Venture X Business Credit Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
The Capital One Venture X Business Credit Card has all the benefits you expect with a premium business card, including flexible travel rewards, airport lounge access and travel insurance.
If you're interested in a business travel card with a lower annual fee, the Capital One Venture X Business Credit Card could be a good option. The card's annual fee is only $395, which is $400 less than the Sapphire Reserve for Business, plus you'll earn an unlimited 2X miles on every purchase. The Venture X Business offers complimentary access to Priority Pass lounges, an annual $300 credit for bookings through Capital One Travel and the option to transfer miles to one of Capital One's 15+ travel partners.
The Chase Sapphire Reserve for Business is a great card for business owners who are looking for a premium travel card. The card comes with a high annual fee and some larger spending requirements to meet additional bonuses, but worth it if you'll use the credits and perks. It's also great for businesses looking to extend their digital footprint and earn 3X points on social media and search engine advertising.
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