Sapphire Reserve for Business℠ Credit Card
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Sapphire Reserve for Business℠ Credit Card from Chase earns up to 4% effective value on travel in Madeen's catalog snapshot. Its annual fee is $795. New applicants may see: Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening..
- Top category
- Travel
- Effective value
- 4%
- Annual fee
- $795
Worth a look for travel spend if you need a business card and can use Chase Ultimate Rewards the way you redeem today. Best for spenders who put meaningful volume in travel and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Sapphire Reserve for Business℠ Credit Card earn in each category?
Travel is the strongest category at 4% effective value (4x points at about 1 cents each). That travel rate ranks higher than about 99% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Sapphire Reserve for Business℠ Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals.
Travel is the strongest category at 4% effective value (4x points at about 1 cents each). That travel rate ranks higher than about 99% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Sapphire Reserve for Business℠ Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 4x points | 4% Top category |
| Other General everyday spend | 1x points | 1% |
Madeen values Chase Ultimate Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Sapphire Reserve for Business℠ Credit Card reward caps and conditions?
The Sapphire Reserve for Business℠ Credit Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 4x points on flights purchased direct
- 4x points on hotels purchased direct
Who should get the Sapphire Reserve for Business℠ Credit Card?
The Sapphire Reserve for Business℠ Credit Card fits spenders who put meaningful volume in travel and can earn 4x points. Best for spenders who put meaningful volume in travel and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Sapphire Reserve for Business℠ Credit Card fits spenders who put meaningful volume in travel and can earn 4x points. Madeen ranks its travel effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in travel and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for travel spend if you need a business card and can use Chase Ultimate Rewards the way you redeem today.
Pros
- Strongest Madeen category is travel at about 4% effective (4x points).
- That travel rate ranks higher than about 99% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $795 annual fee requires enough spend in bonus categories to offset.
- Chase Ultimate Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Sapphire Reserve for Business℠ Credit Card welcome bonus?
In Madeen's catalog snapshot, the Sapphire Reserve for Business℠ Credit Card welcome offer is Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 150k Chase Ultimate Rewards (~$1500 estimated)
- Terms (catalog snapshot)
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- Minimum spend
- $20,000
- Window
- 3Months
Does the Sapphire Reserve for Business℠ Credit Card have an annual fee?
The Sapphire Reserve for Business℠ Credit Card has an annual fee of $795 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $795
- Foreign transaction fee
- None
What travel perks does the Sapphire Reserve for Business℠ Credit Card include?
The Sapphire Reserve for Business℠ Credit Card includes Trusted traveler credit, Lounge access, $100 Curated Gift Card Credit, $120 DashPass membership and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
Lounge access
Enjoy complimentary access to every Chase Sapphire Lounge by The Club with up to two guests, plus access to 1,300+ Priority Pass airport lounges worldwide. Also get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.
What benefits come with the Sapphire Reserve for Business℠ Credit Card?
Extended Warranty Protection
$10,000/yrExtends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Purchase Protection
$10,000/yrCovers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Trip Cancellation and Interruption
$10,000/yrIf your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Purchase Security and Extended Protection
$10,000/yrPurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Cell Phone Protection
$7,200/yrGet up to $1,000 per claim in cell phone protection against covered theft or damage for cell phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 3 claims in a 12-month period with a $100 deductible per claim.
Lost Luggage Reimbursement
$3,000/yrProvides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Travel Accident Insurance
$3,000/yrWhen you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $1,000,000 in accidental death or dismemberment coverage.
Lost Luggage Reimbursement
$3,000/yrWhen you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Travel Accident Insurance
$3,000/yrAdd peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Emergency Medical and Dental
$2,500/yrIf you or an immediate family member become sick or injured while you’re 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses, subject to a $50 deductible.
Return Protection
$1,000/yrYou can be reimbursed for eligible items that the store won't accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Related encyclopedia topics
Common questions about the Sapphire Reserve for Business℠ Credit Card
Where do cardholders spend most with the Sapphire Reserve for Business℠ Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (4x), lodging (4x) for the Sapphire Reserve for Business℠ Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is Chase Sapphire Reserve for Business worth it?
The Sapphire Reserve for Business℠ Credit Card from Chase earns up to 4% effective value on travel in Madeen's catalog snapshot. Its annual fee is $795. New applicants may see: Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening..
How to avoid Chase Sapphire Reserve annual fee?
The Sapphire Reserve for Business℠ Credit Card carries an annual fee of $795 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
Does the Sapphire Reserve for Business℠ Credit Card have an annual fee?
The Sapphire Reserve for Business℠ Credit Card carries an annual fee of $795 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Sapphire Reserve for Business℠ Credit Card?
Travel is the strongest Madeen category for the Sapphire Reserve for Business℠ Credit Card at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Sapphire Reserve for Business℠ Credit Card charge foreign transaction fees?
The Sapphire Reserve for Business℠ Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the Sapphire Reserve for Business℠ Credit Card compare to similar cards?
Compare the Sapphire Reserve for Business℠ Credit Card against Chase Sapphire Reserve Credit Card (4% on Travel, $795 fee); J.P. Morgan Reserve (4% on Travel, $795 fee); British Airways Visa Signature Credit Card (2.5% on Travel, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Sapphire Reserve for Business℠ Credit Card This card | Travel | 4% | $795 |
| Travel | 4% | $795 | |
Chase | Travel | 4% | $795 |
| Travel | 2.5% | $95 | |
| Travel | 2.4% | $450 |
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure