15 Things To Do When You Get the Chase Sapphire Reserve Business Card [2026]

The Sapphire Reserve for Business℠ is the new premium business card on the block — and the highest-end business card Chase has released to date.

If you’ve just been approved, you may be eager to start spending right away. However, before you do, it’s worth taking a moment to ensure everything is properly set up. Like many high-end cards, the Chase Sapphire Reserve Business card comes with a long list of travel, lounge, and business-focused benefits, some of which require activation, enrollment, or a bit of strategy to maximize fully.

Missing a step early on could mean leaving real value on the table, whether that’s unused credits, overlooked perks, or benefits that only kick in once you’ve activated them. Even if you don’t plan to use every benefit right away, activating or familiarizing yourself with them early can help you avoid missing out later.

From setting up your account and enrolling in benefits to optimizing travel rewards and business credits, this guide will help ensure you’re getting the most out of the Chase Sapphire Reserve Business card from day 1 and well beyond.

Chase Sapphire Reserve Business Card — Overview

Before we get into all the details, here’s a quick overview of the Chase Sapphire Reserve Business card:

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.

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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 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.

150,000 points

UP's Offer Valuation*:

$3,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 25.74%

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 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
• $6,000+ in value your first year. 150K points, valued at $3,000 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% - 25.74%
• Foreign Transaction Fees: None

At first glance, the Chase Sapphire Reserve Business card has a long list of benefits. The value can quickly add up, especially for business owners who travel or spend frequently. But there’s more to this card.

To get the most out of your new card, log in to your account here and follow the tips below.

1. Activate Your Chase Sapphire Reserve Business Card

As soon as your card arrives, activate it online or through the Chase mobile app. Activation unlocks your account, ensures benefits begin tracking correctly, and lets you start working toward your welcome bonus offer and annual credits.

If you already have another Chase card, you can easily add it to your profile online. You can also add the card to your phone’s Apple Wallet or Google Wallet.

2. Confirm Your Minimum Spending Requirement

After activating your card and logging into your Chase account, you’ll see a tracker that shows your progress toward meeting the minimum spending requirement to earn your welcome bonus offer, which is currently: Earn 150,000 bonus points after you spend $20,000 in your first 3 months and access more than $6,000 in total business and travel value in your first year.

This makes it easy to see exactly how much you still need to spend and by when, so you can plan upcoming business expenses accordingly and stay on track to earn the welcome bonus offer without any guesswork.

3. Plan To Use the $300 Annual Travel Credit

Like the personal Chase Sapphire Reserve^®, the $300 annual travel credit applies automatically to a broad range of travel purchases, including flights, hotels, car rentals, and more.

One of the best aspects of this credit is how generously Chase defines “travel,” which can include everyday expenses such as parking and tolls. Many cardholders will find it easy to use up the full $300 within the first few weeks of having the card with typical spending.

Hot Tip:

The $300 annual travel credit on the Chase Sapphire Reserve Business card does not require activation, unlike travel credits on some other premium and luxury cards. Just use your card for travel purchases to receive a statement credit.

4. Enroll in Priority Pass Lounge Access

This card includes Priority Pass Select membership, which provides access to a global network of airport lounges. You’ll need to enroll through your Chase account before visiting a lounge, so it’s best to activate this benefit early.

Additionally, cardholders get access to the Chase Sapphire Lounge by The Club network of lounges and select Air Canada Maple Leaf lounges, with the ability to bring 2 guests into lounges with you at no additional charge.

5. Activate DoorDash DashPass for $0 Delivery Fees and Monthly Credits

When you activate DoorDash DashPass, you’ll receive at least 1 year of complimentary membership, which includes $0 delivery fees and reduced service fees on eligible restaurant, grocery, convenience, and retail orders. The benefit can be used by authorized users, making it useful for shared business or household spending. Be sure to activate DashPass by December 31, 2027, to lock it in.

While enrolled, cardmembers receive a $5 monthly DoorDash promo for restaurant orders, which can be applied once per month at checkout. Unused credits don’t roll over. You’ll also get up to $20 off each month — delivered as 2 $10 promos — on grocery, retail, and other nonrestaurant orders through December 31, 2027.

6. Add Your Card to Your Lyft Account for the $120 Annual Lyft Credit

After linking your Chase Sapphire Reserve Business card to your Lyft account, you can unlock up to $120 in Lyft credits each year ($10 in monthly credits). Once set up, the credits apply automatically to eligible rides, making this an easy set-it-and-forget-it perk.

Cardholders also earn 5x points on Lyft rides, adding extra value to the credits. If you don’t already have a Lyft account, you’ll need to create one before adding your card. For travelers who rely on ride-share services for airport transfers or business meetings, this benefit can help reduce transportation costs while earning rewards at a higher rate.

7. Unlock IHG One Rewards Platinum Elite Status

Cardmembers receive complimentary IHG One Rewards Platinum Elite status, which unlocks valuable perks such as bonus points, complimentary room upgrades when available, and the ability to request late checkout up to 2 p.m., subject to availability.

Compared to having Gold Elite or no elite status with IHG One Rewards, Platinum Elite can noticeably improve the stay experience at IHG properties. Enrollment is required, so be sure to link your IHG account to take advantage of these benefits.

8. Use the $100 Curated Gift Card Credit

You can earn up to $100 annually in statement credits for Giftcards.com when purchasing gift cards from a curated selection of brands through Giftcards.com/reservebusiness. This is one of those benefits that’s both valuable and flexible. Use it early in your cardmember year so it doesn’t slip through the cracks.

The credit is split into up to $50 from January to June and up to $50 from July to December, so timing matters. The credit is flexible enough to use for employee rewards, client gifts, or everyday spending.

Eligible merchants span a wide range of categories, including dining, shopping, and entertainment, and feature popular brands such as DoorDash, lululemon, and many others. Because the credit posts back to your account as a statement credit, it works much like cash-back and is easy to maximize.

9. Get Up to $200 in Google Workspace Credits

The $200 annual credit toward Google Workspace purchases is valid for tools such as business email with Gmail, Google Drive storage, and other productivity features that many businesses already rely on. Plans range from about $7 to $35 per user per month, with the popular Workspace Standard plan costing $14 per month ($168 annually) for 1 user and including features like 2TB of storage, custom business email, AI tools in Gmail and Docs, video meetings, and appointment scheduling.

With the $200 annual credit, a solo business owner could cover an entire year of Workspace Standard, while larger teams can use it as a partial subsidy toward ongoing software costs. Since the credit resets annually and expires on December 31, it’s best to use it sooner rather than later.

10. Maximize the $500 Credit for Stays With The Edit

Cardmembers can earn up to $500 annually toward bookings made through The Edit by Chase Travel, Chase’s curated hotel collection. These are 2 separate $250 credits for prepaid bookings of at least 2 nights. Eligible stays do not earn points.

Beyond the statement credits, stays booked through The Edit also come with valuable on-property perks, including daily breakfast for 2, a minimum $100 property credit that can be used toward dining, spa treatments, or other amenities, plus early check-in, late checkout, and room upgrades when available.

11. Use the $400 ZipRecruiter Credit

The ZipRecruiter benefit provides up to $400 annually in statement credits for purchases made directly with ZipRecruiter, helping offset the cost of hiring. You’ll receive up to $200 in statement credits from January through June and up to $200 in statement credits from July through December.

Whether you’re looking for an intern, a contractor, or short-term help during a busy period, this credit can meaningfully reduce out-of-pocket recruiting costs. For small businesses, it’s a practical way to cut overhead without sacrificing access to a large talent pool.

12. Apply for Global Entry, TSA PreCheck, or NEXUS

This isn’t a unique perk — many premium cards offer credits to offset the cost of Trusted Traveler Programs — but it’s still one you should take advantage of.

When you pay for a TSA PreCheck, Global Entry, or NEXUS application with your card, you’ll receive a statement credit of up to $120 every 4 years. You can use the credit for yourself or someone else. Since it helps cover a service that speeds up airport security and border crossings, it’s worth registering right away before you forget about it.

13. Add Your Card to OpenTable for Sapphire Reserve Exclusive Tables

By adding your Chase Sapphire Reserve Business card to your OpenTable account, you’ll unlock access to Sapphire Reserve Exclusive Tables, a curated selection of priority reservations at select restaurants.

This perk can be invaluable in busy cities or during peak dining hours, when securing reservations can be challenging. It’s probably not a benefit you’ll use every week, but when it saves you from missing out on a sought-after table, it can feel like a small but meaningful win.

14. Understand the Perks of Spending $120,000 in a Calendar Year

If your business plans to spend significantly on the Chase Sapphire Reserve Business card, it’s worth getting familiar with the rewards that kick in once you hit $120,000 in eligible purchases in a calendar year. These aren’t everyday perks for most cardmembers, but are valuable for high spenders.

After crossing that threshold, cardholders can unlock these additional benefits as well:

• IHG One Rewards Diamond Elite status
• Southwest Airlines A-List status
• Up to $500 Southwest Airlines credit toward bookings made through Chase Travel
• Up to $500 The Shops at Chase credit (an online shopping experience designed exclusively for cardmembers)

These are perks you’ll want to be aware of from the start if you expect to spend $120,000 or more in a calendar year, even though they’re best viewed as nice extras rather than the sole reason to put that level of spending on the card.

15. Issue Employee Cards at No Additional Cost

You can add up to 99 employee cards at no additional cost, which can be especially useful for small to midsized businesses that want to give employees spending power without adding extra fees. It’s a perk worth knowing about early on, since you can easily add cards through your account and start earning rewards on employee purchases right away.

Final Thoughts

The Chase Sapphire Reserve Business card comes packed with benefits, but the real value lies in knowing how and when to use them. Taking a little time to set everything up as soon as your card arrives can put you on the right path to using benefits worth thousands of dollars in value over time.

From enrolling in benefits and activating credits to understanding which perks reset annually or semiannually, getting organized early makes a meaningful difference. Once everything is in place, many of these perks work quietly in the background, helping to offset the card’s annual fee and enhance your day-to-day spending with minimal extra effort. Handle the setup early, and the value adds up on its own.