Chase has officially entered the premium business travel card space with the launch of Sapphire Reserve for Business℠. Although Chase Ink cards have some travel benefits, the company’s new Sapphire Reserve for Business is a much more travel-focused credit card specifically designed for business owners who want to maximize their travel rewards while managing company expenses.

Card Eligibility Restrictions

There are no family restrictions between personal cards and this new business card, meaning you can have the personal Sapphire cards and this card. However, once you earn the welcome offer on this card, you won’t be eligible to earn it again if you were to cancel or downgrade and reapply for the card in the future.

What Makes This Card Stand Out

The Chase Sapphire Reserve for Business promises to deliver over $2,500 in annual value. The card comes with a $795 annual fee, but employee cards are free, and there are no foreign transaction fees. This hefty annual fee can be worth it if you maximize your use of all the benefits it offers.

Earning Structure

The card offers several ways to rack up points on business spending:

  • 8X points on Chase Travel℠ purchases
  • 4X points on flights and hotels booked direct
  • 3X points on advertising purchases through social media sites and search engines

A standout feature is the new Points Boost program, which makes your points worth up to 2x their usual value when booking select airlines and hotels through Chase Travel℠.

Business owner traveling

Travel Benefits

Business travelers get access to premium perks that can make trips more comfortable and cost-effective:

  • $300 annual travel credit to offset travel expenses
  • Global Entry/TSA application credit for expedited airport security
  • Chase Sapphire Lounge access with two complimentary guests per visit
  • Complimentary IHG One Rewards Platinum Elite Status through December 31, 2027 (activation required).

Business-Focused Credits

The card includes several credits designed to help streamline business operations:

  • $400 ZipRecruiter credit for hiring needs
  • $200 Google Workspace credit specifically for AI tools
  • $100 Giftcards.com credit for business gifting or rewards
  • $300 in monthly DoorDash promotions
  • $120 credit for DashPass membership
  • $120 Lyft credit ($10 monthly) for business transportation

Flexible Payment Options

Business owners get access to two payment structures: a high spending pay-in-full limit for those who prefer to pay balances monthly, and Flex for Business, which provides a separate credit line for purchases that need to be paid over time with interest.

The Bottom Line

The Sapphire Reserve for Business appears positioned to compete directly with other premium business cards by combining substantial travel benefits with practical business credits that address real operational needs. If you can utilize the credits it offers and balance out or come out on top of the annual fee, this could be a good option for your small business.

Additional Reading: Chase Sapphire Reserve® Gets a Major Refresh