Sapphire Reserve for Business® Review

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Sapphire Reserve for Business® Review:

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The Sapphire Reserve for Business℠ is a premium travel credit card for businesses that is very similar to its personal counterpart. It provides a lucrative list of perks that greatly benefits businesses that need to do a lot of traveling while being the first Chase business card to have lounge benefits. The travel credits, generous rewards, and premium protections that the card offers make it a strong card for business spenders and travelers to have in their wallet.

A Premier Introductory Offer

The introductory offer for the Sapphire Reserve for Business sets the stage for anyone looking to obtain the card and utilize its extensive list of benefits. Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Earn Rate: Valuable Rewards for Business-Related Spend

The Sapphire Reserve for Business targets businesses by rewarding them for spending in categories that regularly fit into expenditures for business-related essentials or travel. Here’s how the earning rates shape up:

8x points on all purchases made through Chase Travel℠
5x points on qualifying Lyft purchases through September 30, 2027
4x points on flights and hotels booked directly
3x points on advertising purchases made via social media sites and search engines
1x points on all other purchases

This earning structure is a strong standout feature of the Sapphire Reserve for Business, as it offers higher earning rewards for both travel and advertising expenditures, which can be difficult to find in a business card that also provides premium travel protections.

In fact, when compared to other cards, the Sapphire Reserve for Business offers one of the highest earn rates on flights booked through a travel portal out there.

$500 Annual Hotel Credits for The Edit by Chase Travel

A valuable perk of the Sapphire Reserve for Business is the annual up to $500 in hotel credits for The Edit by Chase Travel. The Edit is a luxury hotel booking program only available to Reserve cardholders, allowing cardholders access to elite benefits when booking luxury hotels around the world. Elite benefits may include complimentary breakfast, late checkout, room upgrades, property credits, etc.

The $500 credit comes in the form of two $250 semi-annual statement credits, and only applies to hotel bookings that are a minimum of two nights:

Up to $250 in statement credits from January through June
Up to $250 in statement credits from July through December

$400 Annual ZipRecruiter Credits

Another valuable perk that the card comes with is an annual $400 in credits for ZipRecruiter. ZipRecruiter is an online employment marketplace that connects employers and job seekers through mobile and email services. This is extremely beneficial for businesses that are looking for new employees, and want to pay for a service such as ZipRecruiter to be connected to qualified candidates.

The $400 credit comes in the form of two $200 semi-annual credits, also awarded in a similar timeframe as the The Edit credits:

Up to $200 in statement credits from January through June
Up to $200 in statement credits from July through December

$300 Annual Travel Credit

One of the most valuable and standout perks of the Sapphire Reserve for Business is its $300 annual travel credit. Each year, the first $300 you spend on travel is automatically reimbursed as a statement credit.

Eligible purchases cover a wide range of categories, including flights, hotels, rental cars, cruises, rideshares, parking, tolls, etc. For frequent travelers, it’s like getting a built-in travel rebate that makes the premium annual fee price tag easier to justify.

Notably, you only earn points on travel purchases after the $300 annual travel credit is used.

$200 Annual Google Workspace Credit

Another business-oriented perk that the Sapphire Reserve for Business offers is an annual $200 credit for Google Workspace. This credit can be applied for purchases made directly with Google or Workspace.Google.com each calendar year through December 31, 2027.

For businesses already using Google Workspace or planning to, it’s a valuable benefit. The credit can fully or partially cover the cost of subscriptions like the Business Starter ($7/month) or Business Standard ($14/month) plans. These plans include essential productivity tools along with access to Google’s AI-powered features, such as the Gemini AI assistant and AI research tools, making the credit especially appealing for companies investing in modern, AI-driven workflows.

Trusted Traveler Program Credit

Every four years, the Sapphire Reserve reimburses up to $120 via a statement credit for an application to Global Entry, TSA PreCheck®, or NEXUS. This benefit helps streamline your travel experience and further enhances the card’s value, especially for travelers who travel internationally frequently.

$100 Annual Giftcards.com Credits

The Sapphire Reserve for Business card provides cardholders with $100 in annual credits for purchases made through Giftcards.com. To qualify, purchases must be made specifically through the dedicated link: giftcards.com/reservebusiness.

The $100 benefit is distributed as two $50 semi-annual credits each year, making it easy for businesses to regularly offset gift card purchases while managing employee rewards, client gifts, or general expenses.

Lounge Access: Priority Pass™ Select Membership

With the Sapphire Reserve for Business, you get complimentary membership to Priority Pass™ Select, granting access to over 1,300 airport lounges worldwide. This benefit can save hundreds of dollars annually while transforming your airport experience with free snacks, drinks, and a comfortable place to relax before flights.

The Sapphire Reserve for Business also grants you access to Chase Sapphire lounges, as well as Air Canada’s Maple Leaf Lounges when flying on an eligible ticket.

Employee Cardmembers do not get their own Priority Pass Select membership.

Chase Sapphire Lounges

Access to Chase Sapphire Lounges is one of the best benefits that the Sapphire Reserve for Business offers. Chase Sapphire Lounges are premium airport lounges that offer a range of amenities and services to eligible cardholders.

Chase Sapphire Lounges are relatively new, as the first one opened in Hong Kong in October 2022. They are regarded as comfortable and luxurious experiences for travelers, as lounges can provide premium amenities such as alcoholic beverages, facial treatments, private bathrooms with showers, and more at no additional cost. These lounges are well-renowed and sought after for their benefits.

Unfortunately, Employee Cardmembers do not get their own Sapphire Lounge benefits. That isn’t to say that they can’t join as a guest of the Primary Cardholder, but the Employee Cardmember isn’t treated as a primary guest.

Unlocking Extra Benefits

After spending $120,000 on qualifying expenses within a calendar year, the Sapphire Reserve for Business unlocks even more premium benefits that reward business spenders. The card offers the following:

IHG One Rewards Diamond Elite status, which is the highest tier within the IHG loyalty program. Perks include, but are not limited to: complimentary breakfast, room upgrades, early check-in, late check-out, etc.
Southwest Rapid Rewards A-List status, which includes perks such as priority boarding, one free checked bag, same-day standby access, etc.
$500 credit for Southwest flights booked via Chase Travel
$500 Shops at Chase credit, which is valid for purchases with select brands such as Baccarat, Bang & Olufsen, Breitling, Tumi, etc.

Authorized Users and Employee Cards

Unlike its personal counterpart, the Sapphire Reserve for Business does not charge the $195 authorized user fee, and employee cards are available for free. However, there are some limitations to the benefits and features those employee cards can access.

Authorized users are omitted from receiving “Primary Cardmember” level access to Priority Pass, Chase Sapphire, and Air Canada Maple Leaf lounges. This means that while they can be a guest, they don’t have the same privileges as the Primary Cardholder.

Redeeming Points Through Chase Travel℠

Chase points are known for their flexibility, and the Sapphire Reserve for Business enhances their value when redeemed through Chase Travel℠. When you use your points to book travel through the portal, you can take advantage of Points Boost, which is available on select flight and hotel bookings and allows you to redeem your points at a rate of up to 2x.

The portal allows you to book flights, hotels, car rentals, and more, making it a one-stop shop for travel planning.

Transferring Points: Unlocking Maximum Value

One of the most powerful features of the Sapphire Reserve for Business is the ability to transfer your Chase Ultimate Rewards® points to a variety of travel partners at a 1:1 ratio. This means that for every 1,000 Chase points you transfer, you’ll receive 1,000 points or miles in the partner’s loyalty program (assuming there’s no transfer bonus). This feature is ideal for travelers who want to maximize the value of their points by leveraging airline and hotel loyalty programs.

Chase has partnered with several leading airlines and hotel chains, giving cardholders access to a wide range of redemption options. Here’s a list of Chase’s current transfer partners:

Hotel Partners

IHG One Rewards
Marriott Bonvoy
World of Hyatt

Maximizing Value with Transfers

To get the most out of your points, it’s worth researching the best redemption options for your travel plans. For example:

Use award search tools to identify high-value redemptions
Look for promotions or bonus offers from Chase’s transfer partners, which can sometimes provide additional value (e.g. 30% bonus on transferred points)

Travel Insurance Benefits: Peace of Mind While Traveling

The Sapphire Reserve for Business is well-regarded for its robust travel insurance benefits, which provide cardholders with peace of mind when booking trips. These benefits include:

Auto Rental Coverage: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad.
Roadside Assistance: If you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Travel Accident Insurance: When you pay for air, bus, train or cruise transportation with your card, you are eligible for coverage up to $1,000,000 in accidental death or dismemberment.
Travel and Emergency Assistance: If you run into a problem while traveling away from home, this benefit includes legal and medical referrals and access to other emergency assistance services. (You will be responsible for the costs of any goods or services obtained).
Trip Cancellation and Interruption: If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for prepaid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Trip Delay Reimbursement: If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
Emergency Evacuation and Transportation: If you or an immediate family member are injured or become sick during a trip and need emergency evacuation and transportation, when arranged by the Benefit Administrator, you can be covered for up to $100,000.
Emergency Medical and Dental Benefit: If you’re 100 miles or more from home and need emergency treatment for medical or dental care, you can be reimbursed up to $2,500, with a $50 deductible.
Lost Luggage Reimbursement: Provides reimbursement up to $3,000 per passenger if you or an immediate family member check or carry on luggage that is damaged or lost by the carrier.
Baggage Delay Insurance: Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when your baggage is delayed by more than 6 hours.

As always, check your Guide to Benefits for more information!

Final Verdict: Who Should Get the Sapphire Reserve for Business?

The Sapphire Reserve for Business is built for business owners who value travel, rewards, and premium experiences. It’s especially well-suited for those who spend heavily on travel or client-facing expenses, and want to earn high rewards while unlocking valuable perks along the way.

If you’re a frequent traveler, manage a team, or run a business that prioritizes efficiency and flexibility, this card can help streamline operations and make the most of every dollar spent. For companies looking to pair practicality with premium benefits, the Sapphire Reserve for Business delivers strong long-term value.

However, if you’re a smaller business that doesn’t use ZipRecruiter, stay in fancy hotels, or spend a lot on advertising, you may find it hard to justify getting this card.