Chase Sapphire Reserve for Business Card’s Welcome Offer History: 2025 Launch to 2026

If you’ve wanted a true premium business card from Chase that mirrors the power of its flagship personal lineup, Sapphire Reserve for Business℠ is likely already on your radar. Since launching in mid-2025, this card has positioned itself as a high-end option for business owners who want luxury-style perks, strong earning rates, and access to some of the most valuable travel rewards in the industry.

This card is Chase’s most ambitious move into the premium small-business credit card space.

See when it makes sense to apply for the Chase Sapphire Reserve Business card, how the welcome offer has evolved since launch, what benefits matter most, and whether this card is worth a long-term spot in your wallet.

When To Apply for the Chase Sapphire Reserve Business Card

From the start, the Chase Sapphire Reserve Business card was designed as a premium rewards product for established business owners, not a starter card for side hustlers or casual spenders. The $795 annual fee reflects that positioning.

Launched in 2025, it brought the Sapphire brand’s reputation for high-end travel perks and valuable points redemptions into the business world. Much like its personal counterpart, the Chase Sapphire Reserve^®, this card focuses on delivering strong long-term value, rather than simply offering a flashy introductory bonus.

One of its biggest strengths is access to Chase’s extensive lineup of transfer partners. With Ultimate Rewards points, cardholders can transfer rewards to major airline and hotel programs, opening the door to high-value redemptions in business and first class, as well as at luxury properties worldwide. For many travelers, this flexibility alone makes the card compelling.

Other reasons business owners are drawn to this card include premium travel protections, strong earning rates on key business and travel categories, access to high-end airport lounges, and elevated redemption rates through the Chase Travel portal.

Currently, the Chase Sapphire Reserve Business card offers the following public welcome bonus:

• 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.

For most applicants, this is already a substantial incentive, especially when paired with the card’s ongoing earning potential. Here’s how that offer compares to previous publicly available welcome offers:

*Valuations are based on our monthly points valuations and are not provided by the issuer.

Looking at this short but telling history, it’s clear that Chase made a strong first impression with this card.

At launch in mid-2025, the Chase Sapphire Reserve Business card debuted with an aggressive 200,000-point bonus, albeit with a higher spending requirement and longer timeframe. That introductory offer was clearly designed to generate buzz and attract high-spending business owners early on.

By early 2026, Chase shifted to a more sustainable long-term structure with a lower bonus, shorter earning window, and more manageable spending threshold. While 150,000 points is technically smaller, it’s still one of the most generous public offers in the premium business card market.

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

The card’s short history doesn’t give us enough data to know how often elevated welcome offers occur, but 150,000 points seems to be the standard offer.

If you’re holding out for something substantially better than today’s deal, history suggests it may take a major promotion to top that initial offer.

Chase Sapphire Reserve Business Card Benefits

Before diving into specifics, it’s important to understand the bigger picture.

The Chase Sapphire Reserve Business card is positioned as Chase’s flagship premium small business card. It’s built for owners who travel frequently, spend heavily, and want both convenience and prestige in a single card.

Rather than focusing on niche categories or rotating bonuses, the card emphasizes broad earning power and premium experiences. Here are the most talked-about benefits and earning features:

• Earn 8x points in the Chase Travel portal
• Earn elevated points on select business categories like advertising and shipping, as well as flights and hotels booked directly
• Complimentary Priority Pass lounge access and Chase Sapphire Lounge entry
• $300 annual travel credit that offsets a portion of travel spending
• Enhanced redemption value with Points Boost when booking through Chase Travel
• Primary rental car insurance (when renting for business purposes) on eligible rentals
• Comprehensive trip delay, cancellation, and interruption coverage
• No foreign transaction fees

The earning structure rewards both business and personal-style travel spending, making it especially attractive for owners who mix client travel, conferences, and personal trips.

Lounge access and travel protections further reinforce the card’s premium positioning. For frequent flyers, these benefits can easily justify a significant portion of the annual fee on their own.

That said, this is not a card designed to maximize category bonuses across every niche. And some travelers may balk at needing to book through a specific portal to maximize their rewards.

Final Thoughts

The Chase Sapphire Reserve Business card entered the market with a clear goal: to become the gold standard for premium business rewards cards. So far, it has largely delivered on that promise.

Its launch bonus set the tone with a massive 200,000-point offer, and today’s 150,000-point welcome bonus remains highly competitive. More importantly, the card’s long-term value comes from its transfer partners, travel perks, and strong earning structure, not just its introductory incentive.

For business owners who travel often, value premium protections, and want access to top-tier redemption opportunities, this card can be a powerful centerpiece of a rewards strategy.

Still, the welcome bonus should never be the only reason to apply. A credit card works best when it aligns with how you actually run your business, how you spend money, and how you prefer to redeem rewards.

If the Chase Sapphire Reserve Business card fits your long-term habits and goals, its current offer provides a strong entry point. If not, even a 6-figure bonus won’t make up for a poor fit over time.