Sapphire Reserve for Business by Chase: 8x travel (broad) via portal, 4x flights / airfare, 4x hotels, 3x advertising (search / social media), 1x…
The Sapphire Reserve for Business is Chase's premium credit card. The $795/yr annual fee includes a 200,000-point welcome bonus after spending $30,000 in the first 6 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| The Edit hotel credit | $500/yr | Up to $500/yr in automatic statement credits for The Edit hotel bookings (two-night minimum) |
| ZipRecruiter | $400/semiannual | Up to $200 per half ($400/yr) in statement credits on ZipRecruiter purchases; $200 Jan–Jun, $200 Jul–Dec |
| Lyft credit | $120/mo | Up to $10/mo in statement credits on Lyft rides. Benefit through 9/30/27 |
| Global Entry / TSA PreCheck / NEXUS application fee | $120/quadrennial | One statement credit of up to $120 every four years as reimbursement for the Global Entry, TSA PreCheck, or NEXUS application fee charged to your card. |
| Annual travel credit | $300/yr | $300/yr in statement credits on any travel purchase — most flexible travel credit available |
| Google Workspace | $200/yr | Up to $200/yr in statement credits on Google Workspace subscriptions |
| DoorDash DashPass | $120/yr | Complimentary 12-month DoorDash DashPass membership ($0 delivery + reduced service fees). Activate by 12/31/27 |
| Chase Travel Hotels credit | $250/yr | Up to $250/yr in statement credits on prepaid hotel bookings at select properties through Chase Travel (two-night minimum). Benefit through 12/31/26 |
| Curated gift card credit | $100/semiannual | Up to $50 per half ($100/yr) in statement credits through giftcards.com/reservebusiness; $50 Jan–Jun, $50 Jul–Dec |
| DoorDash monthly promos | $300/mo | $25/mo in DoorDash credits: $5 restaurant + two $10 grocery/retail promos. Benefit through 12/31/27 |
Welcome bonus value (year one): ~$4000. Annual statement credits: $2410. Minus the $795 annual fee = ~$5615 in year-one net value before any spending earn. RewardsGuru rating: 5.0/5 — based on our net-value methodology.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
200,000 points after spending $30,000 in the first 6 months. At our ~2¢/pt valuation, that's roughly $4000 in real value.
Year-one math: welcome bonus value (~$4000) + annual credits ($2410) − $795 fee = ~$5615 net before spending earn. Year-two onward, the credits alone need to clear $795 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
10 recurring statement credits: The Edit hotel credit ($500/yr), ZipRecruiter ($400), Lyft credit ($120/mo), Global Entry / TSA PreCheck / NEXUS application fee ($120), Annual travel credit ($300/yr), Google Workspace ($200/yr), DoorDash DashPass ($120/yr), Chase Travel Hotels credit ($250/yr), Curated gift card credit ($100), DoorDash monthly promos ($300/mo). Total: $2410/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Chase's product page has the current rate.