Chase introduces premium business credit card: Chase Sapphire Reserve Business edition

Oh, the corporate credit card world is about to get a whole lot more interesting! Chase is dropping the new Sapphire Reserve for Business, and it's gunning for the heavyweights like the Capital One Venture X Business and the Amex Business Platinum. This baby's expected to launch on June 23, 2025, and it's shaping up to be a beast,let's dive in!

The Deets

The Sapphire Reserve for Business comes with an annual fee of $795, a bit pricier compared to the Amex Business Platinum's $695, but where it really sets itself apart is the earning rates.

Cardholders earn Ultimate Rewards points at:

8 points per dollar spent on Chase Travel
5 points per dollar spent on eligible Lyft rides (through Sept. 30, 2027)
4 points per dollar spent on flights and hotels booked directly
3 points per dollar spent on advertising, with no spending limit, on purchases made via social media sites and search engines
1 point per dollar spent on all other purchases

That high earning rate on advertising could be a game-changer for businesses, especially since other issuers like Amex or even the Ink Business Preferred have a $150,000 spend limit per calendar year.

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.

Travel Benefits

Speaking of travel, the card features an annual $500 credit for The Edit by Chase Travel, sweetening the deal with a $250 credit from January to June and another $250 credit from July to December each calendar year, as long as you book a two-night minimum prepaid stay.

Don't forget about the $300 travel credit we love on the personal Sapphire Reserve to help offset that eye-watering $795 annual fee.

Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.

Other travel perks include:

Up to $120 Global Entry, TSA PreCheck or Nexus credit every four years
Complimentary IHG One Rewards Platinum Elite Status through Dec. 31, 2027 (you can earn IHG One Rewards Diamond Elite Status after $120,000 spend in a calendar year)
Complimentary access to the Chase Sapphire Lounge by the Club and Priority Pass lounges for the primary cardholder and up to two guests per visit
After spending $120,000 in a calendar year, you can unlock Southwest Rapid Rewards A-List status and a $500 Southwest Airlines credit when booking through Chase Travel

Business Expense Credits

Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.

The Sapphire Reserve for Business has got some more goodies for entrepreneurs.

Up to $400 ZipRecruiter credit: Split into biannual credits of up to $200 from January to June and up to $200 from July to December.
Up to $200 Google Workspace credit
Up to $100 Giftcards.com credit (up to $50 from January through June and $50 from July through December) on gift card purchases made through giftcards.com/reservebusiness.

Other Perks

Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.

To help offset the annual fee, the card offers a couple more perks to business owners such as:

Up to $300 annually in DoorDash benefits, including a 12-month DashPass membership (must be activated by Dec. 31, 2027) and monthly credits at DoorDash, plus two $10 promos toward grocery, beauty, electronics, and other purchases.
Up to $10 monthly (up to $120 annually) Lyft in-app credits through Sept. 30, 2027.
Once spending $120,000 in a calendar year, cardholders receive a $500 credit to spend at the new The Shops at Chase.
As a Chase Visa Infinite card, you can rest assured that your travels are covered by superior travel protections and purchase protection.

So, folks, Chase is about to shake things up with the Sapphire Reserve for Business. While it's got a hefty annual fee, it's got top-notch travel benefits, a hefty advertising perk and other business-friendly credits, making it a potential workhorse for many small businesses. Keep your eyes peeled for more details on the launch on June 23, 2025, and may the points be ever in your favor!

Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

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Related: Your complete guide to Chase and DoorDashRelated: The power of the Chase Trifecta: Maximize your earnings with 3 cardsRelated: Amex Platinum vs. Chase Sapphire Reserve: Which $550-plus card is right for you?Related: The 5 credit cards every 30-year-old should considerRelated: The best ways to use your Chase 5/24 slots

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Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.

Rewards

| | || --- | --- || 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. || 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. || 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. || 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. || 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |

Intro Offer

Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.

Annual Fee

Recommended Credit

Why We Chose It

Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.

Pros

4 points per dollar spent on dining at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter)
3 points per dollar spent on flights booked directly with airlines or with amextravel.com
Packed with credits foodies will enjoy
Solid welcome bonus

Cons

Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.

Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits

Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.No Foreign Transaction Fees.*Annual Fee is $325.

The Sapphire Reserve for Business comes with an annual fee of $795, aiming to rival cards like the Capital One Venture X Business and the Amex Business Platinum.
Cardholders earn Ultimate Rewards points at rates including 8 points per dollar spent on Chase Travel, 5 points per dollar spent on eligible Lyft rides, 4 points per dollar spent on flights and hotels booked directly, and 3 points per dollar spent on advertising with no spending limit.
The business card will feature an annual $500 credit for The Edit by Chase Travel, with $250 credits each half of the year, provided a two-night minimum prepaid stay is booked.
The high earning rate on advertising could be significant for businesses, as other issuers usually have $150,000 spend limits per calendar year.
Other travel perks include an annual $300 travel credit, up to $120 Global Entry, TSA PreCheck or Nexus credit, complimentary IHG One Rewards Platinum Elite Status, and access to the Chase Sapphire Lounge by the Club and Priority Pass lounges.
To help offset the annual fee, the card also offers up to $400 ZipRecruiter credit, up to $200 Google Workspace credit, and up to $100 Giftcards.com credit (split biannually).
Further perks for business owners include up to $300 annually in DoorDash benefits, up to $10 monthly Lyft in-app credits, a $500 credit to spend at The Shops at Chase, and superior travel protections as a Chase Visa Infinite card.
The Sapphire Reserve for Business is shaping up to be a potentially powerful workhorse for small businesses, with top-notch travel benefits, a strong advertising perk, and other business-friendly credits.