Chase Sapphire Reserve for Business Card — How To Use the $100 Giftcards.com Credit [2025]

The Sapphire Reserve for Business℠ card has several statement credits that help offset its high $795 annual fee. These range from travel-friendly credits, such as a $300 annual travel credit, to more business-focused credits, including annual credits from ZipRecruiter and Google Workspace.

One of the card’s more interesting benefits is its $100 Giftcards.com credit. This credit allows you to purchase gift cards for yourself, your employees, or anyone else you’d like to send a gift card to. You can choose from a limited number of merchants, including big names like DoorDash, Bloomingdale’s, and Macy’s.

But there’s a little more to the credit than meets the eye. Let’s take a closer look at the Chase Sapphire Reserve Business card’s Giftcards.com credit, including the merchants it covers and how to redeem it.

Chase Sapphire Reserve Business Card Overview

The Chase Sapphire Reserve Business card is Chase’s premium business credit card. In exchange for its high annual fee, it’s packed with premium benefits, including airport lounge access, business and travel statement credits, and bonus categories that let you earn bonus points on common business expenses.

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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.

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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 and access more than $7,000 in total business and travel value in your first year.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

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

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Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
• 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: Flex for Business Variable APR: 17.74% - 28.49%
• Foreign Transaction Fees: None

The Chase Sapphire Reserve Business card earns Chase Ultimate Rewards points at the following rates:

• 8x points on all travel booked through Chase Travel
• 5x points on Lyft rides through September 30, 2027
• 4x points on flights booked directly with an airline
• 4x points on hotels booked directly with the hotel
• 3x points on social media and search engine advertising
• 1x points on all other purchases

On the travel benefits side, Chase Sapphire Reserve Business cardholders get unlimited access to the Sapphire Lounge by The Club and a Priority Pass Select lounge membership. Other travel benefits include a $300 annual travel statement credit, up to $500 in annual credits toward bookings with The Edit, and up to $120 in statement credits every 4 years to cover your Global Entry, TSA PreCheck, or NEXUS application fee.

As mentioned, you also get a suite of business-friendly travel statement credits with Google Workspace, ZipRecruiter, and Giftcards.com. The card also has a generous welcome bonus offer that’s worth $4,000 or more when you leverage Ultimate Rewards transfer partners like Air Canada Aeroplan and World of Hyatt.

What Is the Chase Sapphire Reserve Business Card Giftcards.com Credit?

The Chase Sapphire Reserve Business card’s Giftcards.com credit gives you $100 to spend on a limited selection of gift cards to third-party merchants sold by Giftcards.com. You must redeem the credit through a dedicated Giftcards.com landing page, not the standard Giftcards.com website.

The $100 credit is split up into 2 annual credits. You can redeem $50 from January through June and another $50 from July through December. You can redeem the credit for a $50 gift card to a single merchant or split it up among multiple smaller gift cards. Likewise, you can buy a more expensive gift card to effectively use the Giftcards.com statement credit as a $50 discount.

Some of the most notable supported merchants include DoorDash, lululemon, Macy’s, Nordstrom, and others. You won’t find big names like Amazon, Apple, or Uber on this list, but there are enough supported merchants that you should be able to find a gift card you can use.

At the time of writing, you can redeem the Chase Sapphire Reserve Business card’s Giftcards.com statement credit at 20 merchants split across 2 categories: dining and entertainment and shopping and wellness.

The dining and entertainment merchants are as follows:

Meanwhile, you can also pick from the following shopping and wellness merchants:

How To Use the Giftcards.com Credit

Redeeming the Chase Sapphire Reserve Business card’s Giftcards.com credit is simple. You do not need to enroll in this benefit. Just head to giftcards.com/reservebusiness and browse the list of gift cards until you find a merchant you’d like to redeem your credit with. When you find one, click the purple Buy Now button underneath the gift card.

You’ll be prompted to select whether you’d like a physical or digital gift card and the amount you’d like to add to it. Fill this out and click the Buy Now button at the bottom of the window. Then follow the prompts to pay for your card. Be sure to pay for the purchase with your Chase Sapphire Reserve Business card to receive the statement credit.

Once you purchase a gift card, wait 6 to 8 weeks for the statement credit to post to your account. In our experience, the credit posts much faster than this. For example, I purchased a $50 TJX Multibrand gift card with my Chase Sapphire Reserve Business card over the summer and received the statement credit just days later.

Is the Giftcards.com Credit Worth It?

The Giftcards.com statement credit is one of the easiest Chase Sapphire Business card statement credits to redeem. Looking at the list of supported merchants, there’s a good chance you can buy a gift card for a merchant you already shop with regularly. For example, you can use it to buy a DoorDash gift card and order lunch from your favorite restaurant, or you can buy a Macy’s gift card and give it to an employee who did an exceptionally good job on a project.

Final Thoughts

While the Giftcards.com statement credit only provides $100 per year in value, it’s one of the easiest Chase Sapphire Reserve Business card statement credits to redeem. Just visit the card’s dedicated Giftcards.com landing page 2 times per year — once between January and June and once between July and December — and buy $50 worth of gift cards to a merchant of your choice.

You can use these gift cards for yourself, your employees, or give a gift to a friend or client. Regardless, there are enough merchants available that you should be able to use the credit for a gift card with a merchant you already shop with. It’s an easy way to get $100 back toward the card’s $795 annual fee.