Chase Sapphire Reserve for Enterprise overview
The [applyLink pid=”10965″ overridetext=”Chase Sapphire Reserve for Business℠”] (see [termsConditions pid=”10965″ overridetext=”rates and fees”]) might include a steep $795 annual price, nevertheless it gives helpful assertion credit, uncapped earnings and invaluable journey perks to justify the fee — for the best enterprise proprietor. Card ranking: ⭐⭐⭐⭐
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
A premium enterprise card providing journey rewards can present invaluable perks, strong incomes charges and wonderful redemption alternatives.
Chase’s seat on the premium enterprise card desk remained empty for a very long time. Its fundamental rivals, American Specific and Capital One, provided the Capital One Enterprise X Enterprise and [applyLink pid=”7758″ overridetext=”The Business Platinum Card® from American Express”], whereas Chase remained content material with its household of Ink Enterprise playing cards — till now.
Chase formally launched the first-ever Sapphire enterprise card, the [applyLink pid=”10965″ overridetext=”Sapphire Reserve for Business”], on June 23. Whereas it comes with a hefty $795 annual price, it gives a slew of premium advantages to assist cardholders justify it. Nonetheless, it’s necessary to rigorously take into account whether or not this card is the best match for what you are promoting.
That’s why I’m going to interrupt down all of this card’s particulars so you may make the best alternative on your pockets. We suggest a credit score rating of no less than 740 for the very best likelihood of approval.
Let’s get into it.
Sapphire Reserve for Enterprise professionals and cons
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Sapphire Reserve for Enterprise welcome supply
At present, new [applyLink pid=”10965″ overridetext=”Sapphire Reserve for Business”] cardholders can earn 200,000 bonus factors after spending $30,000 on purchases within the first three months from account opening.
Primarily based on TPG’s June 2025 valuations, this welcome supply is value $4,100. That’s one of the vital invaluable welcome gives we’ve ever seen on a card.

If what you are promoting can hit that spending requirement, it is a nice supply. Spending $30,000 in three months is loads to ask of many small companies, although, so make sure you gained’t overspend to hit this objective. For those who’re not assured in your means to satisfy this spending requirement, one in all Chase’s different enterprise playing cards could also be a greater match for you.
Fortunately, Chase’s eligibility necessities for its client Sapphire playing cards don’t apply to the Sapphire Reserve for Enterprise. Meaning you’ll be able to nonetheless earn this welcome bonus for those who maintain both the [applyLink pid=”22125056″ overridetext=”Chase Sapphire Preferred® Card”] (see [termsConditions pid=”22125056″ overridetext=”rates and fees”]) or the [applyLink pid=”221211836″ overridetext=”Chase Sapphire Reserve®”] (see [termsConditions pid=”221211836″ overridetext=”rates and fees”]), if not each.
Nevertheless, you’re nonetheless topic to Chase’s 5/24 rule. Meaning you gained’t be accepted for this card for those who’ve been accepted for 5 or extra client (and a few enterprise) playing cards prior to now 24 months. Happily, the Sapphire Reserve for Enterprise itself gained’t rely towards your 5/24 complete.
Sapphire Reserve for Enterprise advantages
Justifying a $795 annual price means you want to obtain robust advantages. Fortunately, the [applyLink pid=”10965″ overridetext=”Sapphire Reserve for Business”] packs a punch with a slate of assertion credit and a few of the strongest journey protections round.

Assertion credit
The Sapphire Reserve for Enterprise isn’t quick on assertion credit, so buckle in:
- $15 month-to-month DoorDash credit score: Every month, you’ll obtain a $5 restaurant promo and two $10 promos for nonrestaurant orders. It is a good way to assist offset the price of shopping for snacks on your workers or a particular reward on your worker of the month. You should be enrolled in your card’s complimentary DoorDash DashPass membership to obtain these promos (via Dec. 31, 2027).
- $10 month-to-month Lyft credit score: You’ll get $10 in Lyft credit to make use of every month. Rush-hour rides could be fairly pricey, so this credit score will assist ease the sting of enterprise rides (via Sept. 30, 2027).
- $250 biannual The Edit credit score: You’ll get $250 within the first half of the 12 months, then one other $250 within the second half, for eligible The Edit luxurious resort bookings made via Chase Journey℠. It is a nice credit score for enterprise homeowners who are sometimes on the highway.
- $200 biannual ZipRecruiter credit score: You’ll obtain $200 from January via June and one other $200 from July via December for purchases made via ZipRecruiter.
- $50 biannual Giftcards.com credit score: Whether or not you wish to purchase reward playing cards for workers or a raffle, this credit score may help cowl the fee.
- $300 annual journey credit score: This credit score mirrors the profit on the non-public Sapphire Reserve card. It’s one of the vital versatile credit round, making use of to a variety of journey purchases, from airfare to lodges and campgrounds to journey companies.
- $200 annual Google Workspace credit score: You’ll admire this credit score if what you are promoting wants a set of productiveness instruments or is taken with exploring synthetic intelligence.
- $120 International Entry, TSA PreCheck or Nexus credit score each 4 years: I like to recommend going for International Entry since TSA PreCheck comes as a part of that program.

I admire the flexibleness of the Reserve for Enterprise’ journey credit score, however its different main credit are very merchant-specific. This may be troublesome for some companies, so be certain that to rigorously take into account how simple will probably be to trace every profit.
Bonus credit after spending $120,000 in a calendar 12 months
- $500 annual Southwest Airways credit score: If what you are promoting will organically spend this a lot on the Sapphire Reserve for Enterprise annually, you’ll get $500 in Southwest credit score in change.
- $500 annual Outlets at Chase credit score: You possibly can store together with your Sapphire Reserve for Enterprise or use Final Rewards factors at prime manufacturers like Ray-Ban and Tory Burch via this platform.
- IHG One Rewards Diamond Elite standing: IHG’s prime tier of standing, which gives free breakfast on prime of Platinum Elite advantages, is detailed beneath.
I wouldn’t suggest going out of your technique to spend $120,000 in a calendar 12 months for these further advantages. IHG One Rewards Diamond Elite standing is good, however remember that you’ll solely get that standing for your self (as the first cardholder). A $500 Southwest credit score and a $500 Outlets at Chase credit score aren’t a lot compared to their considerably excessive spending requirement.
Different advantages
If the assertion credit listed above haven’t swayed you in favor of this card, take a look at a few of the different perks it gives:
- Complimentary entry to eight Chase Sapphire and 1,700-plus Precedence Cross lounges: Cardholders can deliver as much as two visitors without cost.
- IHG One Rewards Platinum Elite standing: IHG’s second-highest tier of standing, which gives complimentary upgrades, early check-in (topic to availability) and a welcome amenity, comes complimentary, however just for the first cardholder (not for workers). It’s out there via Dec. 31, 2027.
- Chase Sapphire Reserve Unique Tables on OpenTable: Entry primetime reservations at choose eating places within the U.S., Canada and Mexico.
- Concierge service for eating, leisure and journey
- Versatile cost choices: Cardholders profit from a excessive pay-in-full spending restrict whereas additionally getting access to Flex for Enterprise, a revolving credit score line that permits funds over time with curiosity. This added flexibility is particularly invaluable for enterprise homeowners who may have to hold a steadiness sometimes, serving to them handle money circulation with out disruption.
- Journey and buy protections
- Free worker playing cards
Incomes factors on the Sapphire Reserve for Enterprise
The [applyLink pid=”10965″ overridetext=”Sapphire Reserve for Business”] retains it easy with comparatively few bonus classes:
- 8 factors per greenback spent on Chase Journey bookings
- 5 factors per greenback spent on Lyft (via Sept. 30, 2027)
- 4 factors per greenback spent on flights and lodges booked instantly
- 3 factors per greenback spent on social media and search engine promoting
- 1 level per greenback spent on all different purchases

One of many Sapphire Reserve for Enterprise’ greatest and most notable advantages is the absence of a spending cap on social media and search engine promoting. That is uncommon for a enterprise card, as most issuers cap earnings on this class on the first $150,000 spent annually.
Promoting is essential to a enterprise’ success, so this class may help you rack up 1000’s, and even lots of of 1000’s, of factors annually.
Except for that class, these are pretty customary choices for a enterprise card. I’d’ve preferred to have seen web, cable and cellphone providers and workplace provide shops provided as classes, contemplating the excessive annual price on this card.
Redeeming factors on the Sapphire Reserve for Enterprise
The [applyLink pid=”10965″ overridetext=”Sapphire Reserve for Business”] earns Chase Final Rewards factors. These factors could be redeemed for quite a lot of choices, together with money again, reward playing cards, journey and Amazon purchases. They can be transferred to airline and resort companions (extra on that later).

The Sapphire Reserve for Enterprise has entry to Chase’s new Factors Enhance function. While you redeem factors via Chase Journey, they’re value as much as 2 cents per level, relying on the kind of journey booked (see your card’s information to advantages for extra data). Journey redemptions not eligible for Factors Enhance are value 1 cent per level.
I like to recommend prioritizing switch companions over attempting to maximise your redemption worth via Factors Enhance. As of June 2025, TPG values Chase Final Rewards factors at 2.05 cents apiece, so at worst, you’ll possible get the identical worth from transferring your factors as you’ll with Factors Enhance.
Transferring factors with the Sapphire Reserve for Enterprise
Transferring factors is normally one of the best ways to get most worth out of them, no matter whether or not you favor easy financial system flights or luxurious business-class excursions.
You possibly can switch the factors you earn in your [applyLink pid=”10965″ overridetext=”Chase Sapphire Reserve for Business”] to one in all 11 airline and three resort loyalty program companions. Some key packages embody Air Canada Aeroplan, United MileagePlus and World of Hyatt.

Matt Moffitt, TPG’s contributing editor for bank cards, likes transferring his Chase factors to Hyatt to cut back the excessive price of lodging throughout busy journey durations. He not too long ago redeemed 62,000 factors for a weeklong keep on the Hyatt Centric Malta in the course of the peak summer season season.
Which playing cards compete with the Sapphire Reserve for Enterprise?
If the [applyLink pid=”10965″ overridetext=”Sapphire Reserve for Business”] isn’t your cup of tea, take into account one in all these options as an alternative:
- If you wish to earn Membership Rewards factors: The [applyLink pid=”7758″ overridetext=”Amex Business Platinum”] has a barely extra inexpensive annual price of $695 ([termsConditions pid=”7758″ overridetext=”rates and fees”]). Just like the Sapphire Reserve for Enterprise, it has a number of business-oriented assertion credit to assist justify its price ticket. To be taught extra, take a look at our full evaluate of the Amex Enterprise Platinum.
- For those who want Capital One: The Enterprise X Enterprise is an inexpensive premium journey card, coming in at $395 annually. It gives cardholders strong journey protections and a $300 annual journey credit score. To be taught extra, take a look at our full evaluate of the Enterprise X Enterprise.
- In order for you a decrease annual price: The [applyLink pid=”7763″ overridetext=”American Express® Business Gold Card”] is a good mid-tier choice for enterprise homeowners. Just like the Sapphire Reserve for Enterprise and the Amex Enterprise Platinum, the Amex Enterprise Gold gives assertion credit to assist enterprise homeowners cut back their bills. To be taught extra, take a look at our full evaluate of the Amex Enterprise Gold.
For extra choices, take a look at our picks for the very best enterprise playing cards and the very best Chase playing cards.
Associated: Capital One Enterprise X Enterprise vs. American Specific Enterprise Platinum Card: Which card do you have to enterprise towards?
Is the Sapphire Reserve for Enterprise value it?
The [applyLink pid=”10965″ overridetext=”Sapphire Reserve for Business”] is a good alternative for anybody who already makes use of the providers lined by its assertion credit and companies who spend loads on promoting. Nevertheless, if what you are promoting wouldn’t simply use the assertion credit or spends loads in different enterprise classes, a extra inexpensive enterprise bank card is greatest.
Backside line
Chase’s latest card might include an eyebrow-raising annual price. Nevertheless, within the palms of the best enterprise proprietor, it may be a strong points-earning workhorse. That’s very true for any enterprise that spends loads on social media and search engine promoting, because the [applyLink pid=”10965″ overridetext=”Sapphire Reserve for Business”] doesn’t cap earnings in that class.
Earlier than hitting the apply button, be sure to can meet the excessive spending requirement to unlock the precious welcome bonus. The Sapphire Reserve for Enterprise might require extra legwork than different playing cards, however the rewards you’ll be able to reap with its incomes classes and advantages can far outweigh the trouble.
Apply right here: [applyLink pid=”10965″ overridetext=”Chase Sapphire Reserve for Business”]
For charges and charges of the Amex Enterprise Platinum, please click on [termsConditions pid=”7758″ overridetext=”here”].