Chase Sapphire Reserve Business Card — How To Use the $400 ZipRecruiter Credit [2026]

The Sapphire Reserve for Business℠ is one of the newest premium offerings for small business owners looking to grow and streamline their operations. Beyond its generous welcome offer, the card provides a suite of perks designed to save time, money, and stress.

From travel perks to credits for essential business tools, it’s designed to make managing day-to-day operations a little easier for busy entrepreneurs.

One of the card’s standout perks is a $400 annual statement credit for ZipRecruiter, a leading platform for hiring talent. This is more than just a nice perk. It’s a real opportunity to offset hiring costs while utilizing tools to make your recruitment process faster and easier.

Keep reading to learn how to maximize this credit and make it work for your business.

Card Overview

The Chase Sapphire Reserve Business card features premium travel benefits with business-focused perks, making it a versatile tool for personal and professional growth.

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

Here’s a detailed look at the card’s key features and how they can help small business owners:

• Annual Fee: $795 – While the fee is high, the array of perks and credits can more than offset it if used strategically.
• Welcome Offer: 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. These points can translate to substantial travel rewards or cash back when redeemed through Chase Ultimate Rewards.
• Earning Rates:
  • 8x points on all purchases through Chase Travel
  • 5x total points on Lyft rides (through September 30, 2027)
  • 4x points on flights and hotels booked directly
  • 3x points on social media and search engine advertising
  • 1x points on all other purchases
• Annual Statement Credits:
  • $300 annual travel credit that can be applied toward purchases of flights, hotels, car rentals, cruises, and more
  • Up to $500 annual credit for stays with The Edit by Chase Travel, delivered in 2 separate up to $250 credits for prepaid bookings of at least 2 nights (eligible stays do not earn points)
  • $400 annual ZipRecruiter credit, delivered in 2 separate up to $200 biannual credits
  • $200 annual Google Workspace credit
  • $100 Giftcards.com credit, delivered in 2 separate $50 biannual credits
  • $300 annually in monthly DoorDash promos and a complimentary DashPass membership worth $120 annually. Get access to up to $25 in monthly promos, which includes a $5 restaurant promo and 2 $10 promos to spend on groceries, beauty, electronics, and more. Credits do not carry over to the next month if they go unused.
  • $120 in annual Lyft in-app credits, available as up to $10 monthly (through September 30, 2027)
  • Up to $120 Global Entry, TSA Precheck, or NEXUS credit available every 4 years
  • Up to $250 credit for select prepaid hotel bookings made via Chase Travel through December 31, 2026
• Access to Chase Sapphire Lounges and Priority Pass lounges for a comfortable preflight experience.
• Trip protections and no foreign transaction fees

What Is ZipRecruiter?

If you’re unfamiliar with ZipRecruiter, it’s essentially an online platform that makes finding and hiring employees easier. When you use ZipRecruiter, you’re typically paying for a subscription to post job openings and access its network of candidates. Besides posting new job opportunities, the platform allows you to reach millions of potential candidates and use AI tools to help screen applicants.

Some of its most popular features are:

• AI matching, which helps connect your job posts with candidates most likely to be a good fit
• Candidate management to track, filter, and schedule interviews all in one place
• Analytics and reporting to see how your job posts perform and tweak them if needed

Whether hiring your first employee or adding a few new people to the team, ZipRecruiter was created to reduce the hours you’d typically spend sifting through resumes manually.

How To Maximize the $400 ZipRecruiter Credit

The $400 ZipRecruiter credit on your Chase Sapphire Reserve Business card is divided across 2 periods, giving you a little flexibility throughout the year:

• January 1 to June 30: Up to $200 in statement credits
• July 1 to December 31: Up to $200 in statement credits

Think strategically about your hiring needs to get the most out of this benefit. Spread your job postings across the year so each qualifying purchase counts toward the full $400 credit.

Most businesses use a monthly ZipRecruiter subscription, which typically costs around $299 per month and includes unlimited job postings, AI-powered candidate matching, resume screening, and analytics.

For example, you could post a full-time social media manager role in the first half of the year, and your Chase Sapphire Reserve Business card credit would cover most of the $299 monthly subscription cost. Then later in the second half of the year, you could post another role, like a part-time content writer, using the remaining $200 credit to offset a large portion of that month’s membership fee.

By planning your hires thoughtfully and using the ZipRecruiter credit, you can turn it into a valuable perk that helps justify the card’s annual fee while making meaningful investments in your business.

Final Thoughts

The Chase Sapphire Reserve Business card offers several credits and perks that can help small business owners manage hiring and other expenses. The $400 ZipRecruiter credit can be useful for covering a portion of recruitment costs, and when combined with the card’s other statement credits, it can help reduce overall business expenses.

By thoughtfully planning hires and strategically using the biannual ZipRecruiter credit, the card can provide practical support for running day-to-day operations while helping reduce costs.