20 Valuable Benefits of the Chase Sapphire Reserve for Business Card (Over $12,000 Value)

In mid-2025, Chase introduced its Sapphire Reserve for Business℠. The card is one of the most premium business credit cards on the market, offering significant value to business owners, especially those who can take advantage of its generous welcome bonus offer and numerous benefits.

If you’re wondering about those benefits, we’ll detail them below so you can decide if the Chase Sapphire Reserve Business card is the right credit card for you and your business.

Chase Sapphire Reserve Business Card Benefits Summary

Let’s take a quick look at each benefit and how we value it to get an overall understanding of the Chase Sapphire Reserve Business card and what it can offer you.

Note: Some benefits require enrollment.
* The bonus value of the welcome offer and the value of benefits are estimated valuations calculated by UP after analyzing redemption options, transfer partners, award availability, and the price UP would pay to buy these points.

15 Lucrative Benefits of the Chase Sapphire Reserve Business Card 

Below, I’ll explain how you can extract maximum value from the Chase Sapphire Reserve Business card by taking advantage of its benefits.

1. Sky-High Welcome Bonus Offer ($4,000 or More)

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

The card’s current public offer is:

• Earn 200,000 points after you spend $30,000 on purchases in your first 6 months.

While reaching the bonus requires substantial spending, we value Chase Ultimate Rewards points at 2 cents per point, which amounts to a total value of over $4,000.

Additionally, if you spend $30,000 to reach the bonus, you earn at least 1 point per $1 spent (and hopefully much more), resulting in a minimum of 230,000 points, which we value at more than $4,600.

Hot Tip:

The Chase Sapphire Reserve Business card is a pay-in-full card, meaning you must pay your bill in full every month to avoid any additional charges.

2. Hefty Bonus Earning Rates ($1,500 or More)

Booking your business travel through Chase Travel is where you really rack up the rewards, as you earn 8x points for Chase Travel. Alternatively, you can book flights and hotels directly to earn 4x points. Lyft rides are also high earners, earning 5x points through September 30, 2027. Additionally, you can earn 3x points on business expenses, including social media, search engine advertising, and dining (plus 1x points on all other purchases).

It’s challenging to put a price on these rewarding benefits, but let’s consider a couple of scenarios.

Imagine you spend $75,000 in your first year. If you spent it on nonbonus categories, you’d get 75,000 points, which we value at $1,500.

But let’s say in your first year you spent $75,000 across a variety of earning categories:

• $30,000 on Chase Travel spending ($30,000 times 8) for 240,000 Chase points
• $5,000 on booking hotels ($5,000 times 4) for 20,000 Chase points
• $10,000 on social media ($10,000 times 3) for 30,000 Chase points
• $30,000 on everything else ($30,000 times 1) for 30,000 Chase points
• You’d receive a total of 320,000 Chase points (not counting the welcome offer), which we value at $6,400!

Let’s say you spent the $120,000 annually it takes to unlock the additional benefits. If you only spent it on purchases where you earned 1x, you’d end up with 120,000 points, an over-$2,400 value.

But let’s say you spent $120,000 across multiple categories:

• $40,000 on Chase Travel ($40,000 times 8) for 320,000 Chase points
• $1,500 on Lyft rides ($1,500 times 5) for 7,500 Chase points
• $20,000 on search engine advertising ($20,000 times 3) for 60,000 Chase points
• $20,000 on flights and hotels booking directly ($20,000 times 4) for 80,000 Chase points
• $38,500 on other purchases (38,500 times 1) for 38,500 Chase points
• You’d receive a total of 506,000 Chase points (not counting the welcome offer), which we value at $10,120!

These bonus earning rates offer massive potential for rewards. If you can maximize your points for more than 2 cents per point, they’d be worth even more.

3. Annual Travel Credit ($300)

The $300 annual travel statement credit that comes with the Chase Sapphire Reserve Business card (and the Chase Sapphire Reserve^®) is one of my favorite credit card benefits, mainly because of its flexibility.

I love that you can use the credit on anything the card categorizes as travel (such as trains, flights, tolls, hotels, travel agencies, etc.) and aren’t limited to using this credit only on Chase Travel or flights or with any other specific limitation. This valuation is straightforward, as it’s worth $300, but the versatility of the credit makes it extremely easy to use, and that counts for something.

4. Chase Travel Credit for The Edit ($500 or More)

The $500 credit for The Edit can be highly lucrative, but it comes with several caveats. First of all, the credit is actually 2 credits, as you receive up to $250 in statement credits from January through June and an additional $250 from July through December on prepaid hotel bookings with The Edit (with a 2-night minimum stay).

Starting in 2026, the credit will still be split into 2, but you aren’t limited to using one in the first 6 months of the year and one in the second 6 months of the year. You just have to make 2 separate, 2-night, prepaid reservations, each of which is valid for the $250 credit, at any time of the year. You also receive complimentary benefits, including a $100 property credit, daily breakfast for 2, room upgrades, and more, which can save you a lot of money on a stay.

Hot Tip:

While these credits and the benefits you get when booking The Edit hotels are valuable, it’s worth noting that The Edit hotels are luxury properties that are often extremely expensive. It’s worth doing a little research and checking out each hotel’s own website and other booking OTAs to ensure you’re getting a good deal. Check out our guide to the best hotels to maximize The Edit credits at!

5. Credit for Select Chase Travel Hotels ($250 or More)

This benefit starts in 2026, and you get a $250 credit on prepaid hotel bookings (with a 2-night minimum) made via Chase Travel with these brands:

• IHG Hotels & Resorts
• Minor Hotels
• Montage Hotels & Resorts
• Omni Hotels & Resorts
• Pan Pacific Hotels and Resorts
• Pendry Hotels & Resorts
• Virgin Hotels

While the credit is a straightforward $250, I value it higher because you also earn Chase Ultimate Rewards points on the purchase cost beyond what’s covered by the credit at 8x points. Plus, you also earn hotel loyalty program points for the full stay, which can be valuable, especially at IHG Hotels & Resorts.

6. Up to $120 in Global Entry, TSA PreCheck, or NEXUS Fee Credit ($120)

We recommend signing up for Global Entry, which includes TSA PreCheck, to take advantage of the full $120 benefit. You can use this credit for your own Global Entry application or someone else’s, but you only get it once every 4 years.

7. Google Workspace Credit ($200)

Get $200 back annually on your card for purchases made directly on Google or via Google Workspace through December 31, 2027.

8. Lyft Credits ($120)

The Lyft credit is divided into $10 monthly credits, totaling $120 annually, through September 30, 2027.

9. Giftcards.com Credit ($100)

Treat your employees and get money back with this gift card credit. The $100 credit is split into 2 $50 credits. Receive up to $50 back from purchases made between January 1 and June 30, and up to $50 from purchases made between July 1 and December 31, for a total maximum of $100 in statement credits each calendar year through October 31, 2028. You must purchase your gift cards via this link.

10. ZipRecruiter Credit ($400)

The $400 ZipRecruiter credit is split into 2 credits: up to $200 from January 1 through June 30 and up to $200 from July 1 through December 31 each calendar year through December 31, 2027. 

11. Chase Sapphire Lounge by The Club Access ($300 or More)

If you hold the Chase Sapphire Reserve Business card, you can access the Chase Sapphire Lounge by The Club network with 2 guests for free. Although this benefit can save you hundreds, perhaps even thousands if you’re a frequent traveler, we’re giving it an over-$300 value. It costs $100 per person to enter a Chase Sapphire Lounge if you’re not a Reserve cardholder. Therefore, if you visited once with 2 guests or 3 times on your own, the total cost would be $300.

Sapphire Lounges are known for being new, luxurious, and absolutely massive. Check out our coverage of the Boston location, the New York LaGuardia location, and the Philadelphia location.

Hot Tip:

If you hold a Priority Pass Select membership, you can enter the Chase Sapphire Lounge once annually for free. Your guests, however, are charged $75 per person unless they have their own Priority Pass Select membership. Any subsequent visits incur a cost of $75 per person.

12. Priority Pass Select Membership ($469 or More)

It’s true that some other credit cards come with Priority Pass Select membership, but many are slowly starting to restrict access for guests. The Chase Sapphire Reserve Business card offers a complimentary Priority Pass Select Membership (which would otherwise cost $469), where you get access to over 1,300 airport lounges worldwide with the ability to bring in 2 guests. It costs $27 per person to bring in additional guests.

13. IHG One Rewards Platinum Elite Status ($500 or More)

IHG One Rewards Platinum Elite status comes with benefits like room upgrades, a 60% bonus on points earned, guaranteed room availability if you reserve within 72 hours or more, a welcome amenity at check-in, early check-in when available, and access to milestone rewards. We value this at $500, although you could gain even more value from it if you frequently stay at IHG properties, especially thanks to the room upgrades and the 60% additional points.

14. Complimentary Access to Reserve Travel Designers ($300 or More)

Top travel designers can help you curate your trip through Chase Travel, utilizing vetted travel partners to access activities and services that might not have been available to you on your own. They help you get upgrades and can also advocate for you if things don’t go as expected. Chase values each trip organized with a travel designer at $300, but if you use the service frequently, you can get an even higher value from it.

15. DoorDash Benefits ($420)

Chase Sapphire Reserve Business cardholders get a complimentary DashPass membership ($120) for a year, which comes with no delivery fees and reduced service fees, as well as $300 in DoorDash promos through December 31, 2027: $25 each month, split into $5 monthly on restaurant orders and 2 $10 promos each month on groceries, retails, etc. Although we wish the credits were less split up, if you’re organized enough to take advantage of them each month, this offers up to $420 in value.

4 Lucrative Additional Benefits if You Spend Over $120,000 Annually

If you spend $10,000 per month on the Chase Sapphire Reserve Business card annually, you come out on top with these additional perks.

16. IHG One Rewards Diamond Elite Status ($1,000 or More)

IHG One Rewards Diamond Elite status offers benefits like a 100% points bonus, Hertz Gold Plus Rewards Five Star elite status, complimentary room upgrades, a welcome amenity upon check-in (things like points or free breakfast for 2), a dedicated Diamond Elite support team, and access to milestone rewards.

Although the value of this status is subjective, if you stay at IHG properties a couple of times per year, you could get some serious value from it — $1,000 or more, if you get free breakfast for 2, a 100% points bonus, and a room upgrade each time.

17. Southwest Airlines Chase Travel Credit ($500)

Unlike some of the card’s other credits, which are split into pieces or have restrictions on how much you can use at certain times of the year, this credit is fairly simple: You get up to $500 on Southwest purchases made via Chase Travel.

18. Southwest Airlines A-List Status ($360)

Although Southwest Airlines A-List status is the lowest level of the Rapid Rewards elite status, it still offers value. You get:

• Priority boarding
• Priority check-in and airport security
• 25% more bonus points on Southwest flights
• Free same-day standby
• Dedicated A-List member phone line
• New seating benefits starting in 2026
• First checked bag free

Note that the last year you can qualify for Southwest Airlines Rapid Rewards A-List status is 2027, for status until December 31, 2028. You also have to connect your Chase and Southwest accounts to get the status. We value this status at $360 or more, but if you consistently fly Southwest and check a bag, you might get even more value from it.

19. $500 Credit for The Shops at Chase

The Shops at Chase is a collection of upscale brands such as Apple, Aesop, Dyson, Coach, and Michael Kors. Once you reach the $120,000 spend threshold, you’re automatically enrolled to receive up to $500 back in credit for The Shops at Chase.

Additional Protections Can Offer Hundreds, Even Thousands, in Value

20. Travel and Insurance Protections and Benefits

It’s challenging to put an exact value on travel insurance and purchase protection. But, in the case of an emergency, you could save up to thousands with these types of benefits. Here’s what the Chase Sapphire Reserve Business card offers:

• Primary auto rental coverage: When renting for business purposes, it provides reimbursement of up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad.
• Car rental benefits: These apply to Avis, Hertz, and National.
• Trip cancellation and interruption insurance: Receive reimbursement of up to $10,000 per covered traveler and $20,000 per trip for your prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels, if your trip is canceled or cut short for illness, severe weather, or other covered situations.
• Travel accident insurance: Pay for your air, bus, train, or cruise with your card to get up to $1 million in accidental death or dismemberment coverage. 
• Trip delay reimbursement: For common carrier delays of more than 6 hours, get covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
• Baggage delay insurance: Get up to $100 a day for up to 5 days for essential purchases when your baggage is delayed over 6 hours.
• Lost luggage reimbursement: Receive 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.
• Emergency evacuation and transportation: Get up to $100,000 coverage for medical services and transportation if you are injured or get sick during a trip 100 miles or more from home.
• Emergency medical and dental: Get up to $2,500 for medical or dental expenses (with a $50 deductible) while you’re traveling 100 or more miles from home.
• Roadside assistance: Call for a tow, battery assistance, tire change, locksmith, or gas. You’re covered up to $50 per incident 4 times per year.
• Travel and emergency assistance: This offers legal and medical referrals, as well as access to other travel and emergency assistance services. (You are responsible for the cost of any goods or services obtained.)
• Purchase protections: You get extended warranty, purchase, and return protections.
• Cell phone protection: Receive up to $1,000 per claim for theft or damage when you pay the bill with your card, with a maximum of 3 claims in a 12-month period with a $100 deductible per claim.

Final Thoughts

The Chase Sapphire Reserve Business card comes with numerous benefits that can more than offset your annual fee. However, it’s most lucrative for business owners with high spending habits who are organized enough to track monthly benefits and credits to ensure they’re getting the most out of the card. Still, having to consult a spreadsheet to track benefits is definitely worth a value of over $12,000.