Sapphire Reserve for Business℠ Credit Card
Issued by Chase
Rates verified July 2026
Welcome Bonus
Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
Rewards Rate
1x points · up to 8x on All Travel (Ultimate Rewards)
Annual Fee
$795
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
1x points · up to 8x on All Travel (Ultimate Rewards)
Welcome Offer
Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
Annual Fee
$795
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Advertisements, Airfare, All Travel (Ultimate Rewards), Hotels
Why We Recommend This Card
8.0% on All Travel (Ultimate Rewards)
5.0% on Lyft
4.0% on Airfare
Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
$100 Curated Gift Card Credit
Earn up to $100 per year in statement credits when you purchase gift cards from a curated collection on giftcards.com/reservebusiness. You'll earn up to $50 in statement credits January through June and up to $50 July through December.
$120 DashPass membership
Get complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders.
$120 Global Entry or TSA PreCheck® or NEXUS Fee Credit
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
$120 Lyft Credit
Lyft members get access to up to $10 in monthly in-app credits, up to $120 annually, to use on rides through 9/30/27.
$200 Google Workspace Credit
Get business tools that fuel innovation with Google Workspace. Tackle your biggest challenges and accelerate growth with a suite of easy-to-use tools for work. Get Google AI in Gmail, Calendar, Drive, Meet, NotebookLM and more, and earn up to $200 in annual statement credits on purchases made directly on Google Workspace.
$300 Annual Travel Credit
You have the freedom to take your business anywhere with the most flexible travel credit available. Receive up to $300 in statement credits each anniversary year.
$300 DoorDash promos
DashPass members get up to $25 each month to spend on DoorDash, which includes a $5 monthly promo to spend on restaurant orders and two $10 promos each month to save on groceries, retail orders, and more.
$400 ZipRecruiter Credit
4 out of 5 employers who post on ZipRecruiter get a quality candidate in 1 day. Find yours and enjoy up to $400 in annual statement credits on purchases made directly with ZipRecruiter. You'll earn up to $200 in statement credits January through June and up to $200 in statement credits July through December.
$500 credit for stays with The Edit
Get up to $250 in statement credits from January through June and again from July through December for prepaid bookings made with The Edit. Enjoy complimentary benefits like a $100 property credit, daily breakfast for two, room upgrades (if available) and more during your stay.
Access our network of airport lounges
Enjoy access to our growing Chase Sapphire Lounge® by The Club network. Plus, work uninterrupted around the world with access to 1,300+ airport lounges with your complimentary Priority Pass Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Avis Car Rental Benefits
Up to 30% off base rates on qualifying rentals on any size car at over 5,000 locations worldwide. Automatic enrollment into Preferred Plus, free weekend rentals and up to 10% off base rates on Select Series.
Cell Phone Protection
Get 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.
Complimentary Airport Lounge Access
Whether you're looking for pre-flight productivity or time to rest and recharge, enjoy access to our growing Chase Sapphire Lounge® by The Club network. Plus, work uninterrupted around the world with access to 1,300+ airport lounges with your complimentary Priority PassTM Select membership. Two guests may accompany the Primary Cardmember free of charge.
Emergency Evacuation and Transportation
If you or a covered traveler are injured or become sick during a trip 100 miles or more from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Emergency Medical and Dental
If 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.
Extended Warranty Protection
Extends 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.
Hertz Car Rental Benefits
Visa Infinite® cardholders who are enrolled in Hertz Gold Plus Rewards® can unlock additional car rental privileges with Hertz. Enjoy special savings, faster service, extra hours on returns for U.S. rentals and Hertz Gold Plus Rewards bonus points.
IHG® One Rewards Platinum Elite Status
Get complimentary IHG One Rewards Platinum Elite status with your Sapphire Reserve for Business card through 12/31/27.*
Lost Luggage Reimbursement
Provides 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.
National Car Rental Benefits
Up to 25% on qualifying rentals at participating locations (U.S., Canada, Latin America and Caribbean) and a complimentary Emerald Club Executive level membership. Eligible for free weekend day and one-class upgrade.
Return Protection
You 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.
Spend $120,000 and unlock a suite of additional benefits
including up to $500 in statement credits for The Shops at Chase*, IHG® One Rewards Diamond Elite Status*, Southwest® Rapid Rewards A-List Status*, and up to $500 in statement credits for Southwest Airlines flights booked through Chase Travel*. You'll receive the benefits for each calendar year in which you qualify and through the following calendar year.
Travel Accident Insurance
When 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.
Travel and Emergency Assistance
If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
World of Hyatt Explorist status
Get World of Hyatt Explorist status after you spend $75,000 on your Chase Sapphire Reserve card each calendar year.
Network benefits (Visa) — 23 standard protections
Auto Rental Collision Damage Waiver
When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.
Auto Rental Coverage
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad.
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Golf Benefits from Troon Rewards®
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
Lost Luggage Reimbursement
When 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.
OpenTable
Unlock primetime reservations at some of the hottest restaurants in select cities with OpenTable and your eligible Visa card.
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Purchase Security and Extended Protection
Purchase 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.
Ride Share Protection
Now you and your traveling companion(s) are protected when traveling in a Rideshare vehicle, such as Uber© or Lyft©, when you pay for your fare with your covered Visa Infinite Business card. Benefits include coverage for the cost to replace or repair personal property that is lost, damaged or destroyed while on a covered trip as well as coverage for accidental death or dismemberment up to the coverage amount on the policy.
Roadside Assistance
If you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Roadside Dispatch®
This 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.
Sofar Sounds
Enjoy a free ticket per show with the purchase of one or more tickets plus you can access 7-day Visa Exclusive Presale opportunities.
Travel Accident Insurance
Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Travel Emergency Assistance Services
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center, 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.
Trip Cancellation / Interruption
When you purchase your travel ticket with a covered Visa card and you must cancel or interrupt your trip, this benefit can help reimburse for the non-refundable cost of your passenger fare. This coverage applies to more than air travel. It also can be in place when a covered Visa card is used to purchase a ticket for travel via other forms of eligible transportation, such as a ferry, rail, bus or cruise ship.
Trip Cancellation and Interruption
If 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.
Trip Delay Reimbursement
Anticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
Trip Delay Reimbursement
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
Visa Infinite Concierge Services
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
Visa Infinite Luxury Hotel Collection
The Visa Luxury Hotel Collection offers an unparalleled experience with an extraordinary collection of benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
Visa Infinite Rental car privileges
Book with your Visa Infinite card and get VIP amenities and discounts with Avis, Hertz, and National®.
Visa Infinite® Experiences
Diverse events designed to appeal to your spirit of discovery and love of travel, delicious food, drink, and amazing music.
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