Chase Sapphire Reserve Card vs. Chase Sapphire Reserve Business Card [Detailed Comparison]

Chase Ultimate Rewards is arguably the most popular travel rewards program today, and for good reason. The program has fantastic transfer partners, simplifies award redemptions, and makes earning points relatively simple.

Fortunately, Chase also has several incredible travel rewards credit cards on the market today, including the refreshed Chase Sapphire Reserve^® and the new Sapphire Reserve for Business℠ Card.

These cards are fantastic despite their hefty fees. However, choosing between them can be difficult for many, as they provide many overlapping benefits.

In this guide, we will look at each card’s earning structure, how you can use these points for award redemptions, and the numerous perks and benefits these cards offer.

Overview

Here’s a comparison of the Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card, including shared benefits and benefits found only on each individual card:

The table above is just an overview of the core benefits of each featured card. Consult the guide to benefits for each card for detailed descriptions and additional terms and conditions.

It is worth noting that some benefits require activation, or there may be minimum spending requirements to receive them.

Welcome Bonus Offer Comparison

The Chase Sapphire Reserve and Chase Sapphire Reserve Business cards offer welcome bonus offers upon meeting the minimum spending requirements.

Chase Sapphire Reserve Card

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

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Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Chase Sapphire Reserve Business Card

NEW OFFER

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

18.24% - 26.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: 18.24% - 26.24% Variable
• Foreign Transaction Fees: None

Bottom Line:

Both the Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card offer fantastic welcome bonus offers, which can be worth thousands of dollars when redeemed correctly.

Earning Power Comparison

Both cards earn highly valuable Chase Ultimate Rewards points, among the highest of any transferable points currency. We value Chase Ultimate Rewards points at 2 cents per point, which are only behind American Express Membership Rewards points. However, depending on how you redeem them, the points can be worth much more or much less.

The earning rates on the Chase Sapphire Reserve card and Chase Sapphire Reserve Business card are quite similar. However, a few earning rates stand out for each card:

For those who tend to eat out at restaurants or order takeout, the Chase Sapphire Reserve card is a no-brainer. It earns 3x points on all dining worldwide, including food delivery services. It also comes with a $300 annual dining credit. More on that below.

On the other hand, as its name suggests, the Chase Sapphire Reserve Business card is geared toward business owners. The card earns 3x points on advertising purchases made via social media sites and search engines.

Redemption Options

There are several ways to redeem Chase Ultimate Rewards points, including using them for gift cards or statement credits, shopping with points, and booking travel through Chase Travel.

Both cards also feature Points Boost, where cardholders can receive up to 2 cents per point on Chase Travel bookings for premium airline tickets or hotels.

However, the best way to redeem points is to transfer them to one of Chase’s airline and hotel transfer partners. 

Hot Tip:

Check out our guide to the best ways to redeem your Ultimate Rewards points for maximum value. 

Statement Credits

Both the Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card have massive annual fees. However, each card also comes with numerous statement credits to justify the substantial cost.

The Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card have several overlapping statement credits, including:

• $300 annual travel credit
• Up to $500 credit with The Edit (2 separate $250 biannual credits, 2-night minimum stay required)
• Up to $120 annual in-app Lyft credits through September 30, 2027 (up to $10 monthly)
• Up to $120 in Global Entry, TSA PreCheck, or NEXUS application fee credit every 4 years
• Complimentary DoorDash DashPass membership through December 31, 2027, plus up to $300 in DoorDash credits each year (2 promos of up to $10 off each calendar month at checkout on grocery, convenience, or other nonrestaurant orders and $5 off restaurant orders)
• Starting in 2026: Up to $250 credit on prepaid hotel bookings (with a 2-night minimum) made via Chase Travel with IHG Hotels & Resorts, Minor Hotels, Montage Hotels & Resorts, Omni Hotels & Resorts, Pan Pacific Hotels and Resorts, Pendry Hotels & Resorts, and Virgin Hotels

Additional Credits and Status Benefits After Meeting a Spending Requirement

Both cards offer shopping credits for The Shops at Chase, but only after you meet an annual spending threshold:

• Chase Sapphire Reserve cardholders receive a $250 credit after spending $75,000 in a calendar year.
• Chase Sapphire Reserve Business cardholders receive a $500 credit after spending $120,000 in a calendar year.

Hot Tip:

Once you meet the spending threshold for The Shops at Chase credit, you’ll unlock IHG One Rewards Diamond Elite status, Southwest Airlines A-List status, and a $500 Southwest Airlines credit on Chase Travel.

Chase Sapphire Reserve Card

The Chase Sapphire Reserve card has its own unique credits:

• Up to $300 annual StubHub or viagogo credit (activation required)
• Up to $300 in annual dining credit at OpenTable
• Up to $250 annually in complimentary Apple TV and Apple Music subscriptions (one-time activation per service required)
• Up to $120 in Peloton credit

Chase Sapphire Reserve Business Card

The Chase Sapphire Reserve Business card has more business-tailored statement credits, including:

• Up to $400 annual ZipRecruiter credit
• Up to $200 Google Workspace credit
• Up to $100 Giftcards.com credit (2 biannual $50 credits)

Travel Benefits

As flagship travel rewards cards, both the Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card offer fantastic travel benefits.

Airport Lounge Access

The Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card offer a comprehensive selection of airport lounge access.

Both cards offer:

• Priority Pass Select membership
• Complimentary access to any Chase Sapphire Lounge by The Club lounge (including 2 guests)
• Complimentary access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe (must have an eligible Star Alliance boarding pass)

These lounges vary by location and can offer many amenities, such as free food and beverages, complimentary Wi-Fi, workspaces, business services, and sometimes showers.

Hotel Elite Status

The Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card provide identical hotel benefits, which can offer perks like room upgrades, bonus points, welcome amenities, late checkout, and free breakfast.

• Automatic IHG One Rewards Platinum Elite status (through December 31, 2027)
• Access to The Edit by Chase ($100 property credit and perks like complimentary breakfast and a room upgrade when available at some properties when booking through The Edit)

Travel Protections

As expected, the Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card also offer fantastic travel protections:

• Primary auto rental coverage of up to $75,000 for rentals for any loss, theft, or damage to your rental car, towing, and loss of use for the rental company
• Trip interruption and cancellation insurance of up to $10,000 per person ($20,000 per trip) if your trip gets cut short for sickness, extreme weather, or certain other situations
• Trip delay reimbursement of up to $500 per person if your flight on a common carrier is delayed for more than 6 hours or requires an overnight stay
• Baggage delay and lost luggage reimbursement of up to $100 per day for up to 5 days if your bag is delayed by an airline, bus, cruise ship, or train for more than 6 hours

Fees and Authorized Users

The Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card are premium cards with premium fees.

Annual Fees

The annual fees are the same for the Chase Sapphire Reserve card ($795) and the Chase Sapphire Reserve Business card ($795).

Adding Authorized Users

The Chase Sapphire Reserve Business card does not charge a fee for employee cards. Meanwhile, the Chase Sapphire Reserve card charges $195 for each authorized user.

Hot Tip:

Chase Sapphire Reserve card authorized users have their own lounge access, but Chase Sapphire Reserve Business card authorized users do not receive lounge access.

No Foreign Transaction Fees

Neither the Chase Sapphire Reserve card nor the Chase Sapphire Reserve Business card has foreign transaction fees.

Final Thoughts

The Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card are Chase’s flagship cards, providing a lot of value. Both cards have solid earning rates, numerous perks and benefits, and travel protections.

However, each card is designed for a specific type of spender. If you spend a lot on dining at restaurants or takeout, the Chase Sapphire Reserve card would be a welcome addition, thanks to its fantastic earning potential on dining purchases.

Meanwhile, business owners may appreciate the numerous perks and statement credits the Chase Sapphire Reserve Business card provides, like the $400 annual ZipRecruiter credit or the $200 Google Workspace credit.

These cards also offer overlapping benefits like hotel elite status, airport lounge access, and travel credits and protections. Choosing which card to add to your credit card arsenal may be difficult, as each card offers a ton of value. But you can expect plenty of value no matter which one you get.