Michael Anderson
Sunday, September 21, 2025 at 12:34 AM EDT
Chase Sapphire Reserve for Business℠ Credit Card
A top-tier business travel card with huge earning potential, flexible credits, elite perks, and premium protections—for the investment of a $795 annual fee.
- Select “Apply Now” to apply online
- Annual fee: $795
- 200,000 bonus points after $30,000 spend in 6 months
- 8× points on Chase Travel bookings
- 5× points on Lyft rides through Sept. 2027
- 4× points on flights & hotels booked direct
- 3× points on social media & search engine advertising
- 1× point on other purchases
- Up to $300 in annual travel statement credits
- $500 in hotel credits through The Edit (split biannually)
- Up to $420 in business credits: DoorDash, ZipRecruiter, Google Workspace, gift cards
- Airport lounge access: Sapphire Lounges and Priority Pass Select (primary only)
- Global Entry/TSA PreCheck credit (up to $120 every four years)
- Complimentary elite hotel status (IHG Platinum)
- Cell phone protection, purchase & travel insurances, and other premium protections
- No foreign transaction fees
Credit Card Review
The Chase Sapphire Reserve for Business℠ Credit Card rewards business owners who travel frequently and spend on advertising. You earn 200,000 bonus points after spending $30,000 in the first six months. It pays 8X points on travel booked through Chase Travel, 5X on Lyft rides until September 2027, 4X on flights and hotels booked directly, and 3X on social media and search engine advertising.
You also get up to $300 annually in travel credits and $500 in hotel credits twice a year through The Edit. The card provides up to $420 in business credits for services like DoorDash, ZipRecruiter, Google Workspace, and gift cards. Lounge access includes Sapphire Lounges and Priority Pass Select. Cardholders also get a Global Entry or TSA PreCheck credit and automatic elite hotel status. With no foreign transaction fees, this card offers strong value for high-volume spenders.
Points are worth 50% more when redeemed for travel through Chase Ultimate Rewards®. You can also transfer them 1:1 to top airline and hotel partners. Built-in protections include trip cancellation, rental car insurance, and purchase protection. The card works with Apple Pay and Google Pay for easy, secure checkouts. Overall, it’s designed for business owners who want premium travel perks and powerful rewards.
- Huge sign-up bonus
- Sky-high earnings on travel and advertising spend
- Generous annual and business statement credits
- Airport lounge access and elite status benefits
- Extensive travel and purchase protections
- High $795 annual fee
- Bonus spend requirement is steep
- Worth it only if you maximize the credits and perks
How to Apply for Chase Sapphire Reserve for Business℠ Credit Card
Check Eligibility
Confirm Chase Sapphire Reserve for Business℠ Credit Card fits your business size and spending needs (cash flow, travel, vendor purchases, or employee cards).
Prepare Your Information
Prepare personal details plus business name, business type, revenue, years in business, and tax identification information if requested.
Apply on the Issuer Site
Use the Apply button for Chase Sapphire Reserve for Business℠ Credit Card and complete the secure issuer application form with accurate information.
Review the Decision
Review approved credit limit, employee card options, expense tools, and reward categories before first use.
Activate and Set Up
Activate the card, connect it to accounting/expense workflows, and set controls for employees if the issuer supports them.
Alex M.
"The rewards are straightforward and the mobile app made account setup quick."
Priya R.
"Good value for regular travel purchases and useful alerts for tracking spending."
Jordan T.
"The category rewards helped us reduce yearly grocery and gas costs more than expected."
Eligibility & Requirements
These are general credit card requirements. Exact approval criteria, minimum credit profile, and verification steps vary by issuer and product.
Age & Residency
Applicants are generally expected to be at least 18 years old (19 in some states) and provide a valid U.S. residential address.
Identity Verification
Most issuers require legal name, date of birth, Social Security number or ITIN, and contact details for identity checks.
Income Information
You may need to report total annual income, employment status, and housing payment so the issuer can evaluate repayment ability.
Credit Profile
Approval usually depends on your credit history, recent inquiries, and current debt levels. Required score range varies by issuer.
Application Accuracy
Details should match official records and your credit file to avoid extra verification steps or decision delays.
Final Issuer Decision
Meeting baseline criteria does not guarantee approval. Terms, limit, APR, and fees are determined by the issuer after review.
Common Questions
How do I apply for Chase Sapphire Reserve for Business℠ Credit Card?+
Use the Apply button on this page to go to the issuer site, complete the application with accurate personal and income details, and submit for a decision.
Can I get an instant decision for Chase Sapphire Reserve for Business℠ Credit Card?+
Many issuers provide an instant approval or pending message right away, but some applications are manually reviewed and can take longer.
Can I apply for Chase Sapphire Reserve for Business℠ Credit Card as a sole proprietor?+
Many business cards allow sole proprietor applications using personal information plus basic business details, but issuer requirements vary.
Will applying for Chase Sapphire Reserve for Business℠ Credit Card affect my personal credit?+
Most issuers check personal credit when you apply for a business card, so a hard inquiry may appear on your personal credit report.
What details should I have ready for Chase Sapphire Reserve for Business℠ Credit Card?+
Prepare business name, business type, estimated revenue, time in business, and your personal guarantor information if requested.
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