Chase Sapphire Reserve Business Card

Why This Card Could Be Right For You

Outside of the 150,000 (current special 200,000) mile welcome offer, the biggest perk is the annual $300 travel credit that gets automatically applied to any travel purchase you make. This does not have to be in the Chase portal, so it will cancel out $300 worth of travel purchases made throughout the year. That credit effectively brings the annual fee down to $495.

If you value Ulitmate Rewards points for World of Hyatt transfers, this is also one of only two Chase cards that transfers to Hyatt at 1:1, along with the Chase Sapphire Reserve personal card. Both the Chase Sapphire Preferred and Chase Ink Business Preferred also transfer to all Chase partners, but they transfer to Hyatt at reduced 4:3 ratio.

There are plenty of other credits offered by the card to more than make up the rest of the annual fee, provided you use them organically. Below are the credits the Chase Sapphire Reserve Business offers:

• $300 annual travel credit (applied to any travel purchase)
  • Points Navigator Tip: Chase automatically applies the $300 travel credit before any other eligible travel credit. Plan your purchases accordingly if you want to maximize your The Edit credits.
• Two $250 credits per year for prepaid bookings with The Edit (a two night minimum stay is required each time to receive the twice per year credit). These credits can be used any time throughout the year, and you have to have two separate bookings to receive the $250 credit both times (it won't work on a single, 4 night booking)
  • Points Navigator Tip: Two separate 2-night bookings at the same hotel can trigger both $250 credits. As long as you book the same room type, you won't have to change rooms between stays.
  • There are also extra benefits that come with The Edit bookings: Free breakfast (at select properties), $100 property credit, room upgrade (if available), and early check-in/late check-out (if available)
• $250 credit on prepaid bookings for use at select Chase Travel hotels on stays of at least two nights. This credit is only good after January 1, 2026 and for use in 2026. This was announced as a special and doesn't appear to be an ongoing credit as of now.
• Two $50 credits per year (one in January - June and one in July - December) on gift cards purchased on giftcards.com/reservebusiness
• $200 in annual statement credits on purchases made directly on Google Workspace
• Two $200 credits per year (one in January - June and one in July - December) on ZipRecruiter
• Complimentary DashPass Membership (worth $120 annually), two $10 monthly credits on non-restaurant orders, and one $5 monthly credit on restaurant orders
• One $10 credit on Lyft rides per month
• $120 credit every 4 years for Global Entry/TSA PreCheck

Below are additional benefits, perks, and spending multipliers:

• Full 1:1 transfers to all Chase partners, including Hyatt
• Priority Pass Select Membership: This is good for the cardholder and two guests
• Access to any Chase Sapphire Lounge by the Club for the cardholder and two guests
• A variety of purchase and travel protections, including primary auto rental coverage, roadside assistance, trip cancellation/interruption insurance, among others
• 8x points on travel booked through the Chase portal, 5x on Lyft rides, 4x on flights and hotels, 3x on social media and search engine advertising, and 1x everywhere else

If you spend more than $120,000 on the card in a calendar year, you unlock the following benefits:

• World of Hyatt Explorist Status
• IHG One Rewards Diamond Elite Status
• $500 credit for The Shops at Chase
• $500 Southwest Airlines Chase Travel credit
• Southwest Airlines A-List status

When The Usual Advice Doesn't Apply

• The coupon book style of credits is too much work
• The type of credits don’t fit with your small business spending and won’t make up for the high annual fee
• You already some of the perks like Global Entry and Priority Pass from other credit card benefits