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Sapphire Reserve for Business Review

Published June 24, 2025
Joel O'Leary
Author: Joel O'Leary
Joel O'Leary
Joel O'Leary
Full Time Writer

Joel is a full-time writer at Motley Fool Money, where he brings a clear, approachable voice to topics ranging from credit cards to side hustles. He’s been writing about money since 2018, covering topics like credit cards, savings hacks, and the FIRE movement. Before joining the team, he managed editorial content for the How To Money podcast. When he’s not behind the laptop, Joel is likely at the beach surfing, or out and about with his family.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

Running a business means making decisions that help you work smarter -- and that includes how you pay for expenses.

If your business involves frequent travel, the Sapphire Reserve for Business℠ card (see rates and fees) could be a smart addition to your wallet. Not only does it deliver top-tier rewards earning on travel spending, but its massive welcome bonus stands out as one of the most valuable offers available on a business credit card today.

Let’s break down why this card could be a game changer for business owners who want serious rewards.

Ratings Methodology

Sapphire Reserve for Business℠

Great for: Business travel

Apply Now for Sapphire Reserve for Business℠

On Chase's Secure Website.

Rates & Fees External Link Icon

Sapphire Reserve for Business℠
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Sapphire Reserve for Business℠

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

Flex for Business APR: 18.49% - 26.49% Variable

Rewards Circle with letter I in it. Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours. Earn 5x total points on Lyft rides through 9/30/27. Earn 4x points on flights & hotels booked direct. Earn 3x points on social media & search engine advertising. Earn 1x points on all other purchases.

More than $2,500 in annual value

Annual Fee

$795

Welcome Offer Circle with letter I in it. 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 200,000 bonus points

    • 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 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
    • Earn 5x total points on Lyft rides through 9/30/27.
    • Earn 4x points on flights & hotels booked direct.
    • Earn 3x points on social media & search engine advertising.
    • Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
    • Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
    • Member FDIC

At Motley Fool Money, we rate business credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and integration with expense-tracking software.

Our highest-rated credit cards have:

  • An average rewards rate above 2% (or 2x points or miles)
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks that make running a business easier, like integration with expense-tracking software, premium travel benefits, and free employee cards.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

At Motley Fool Money, we rate business credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and integration with expense-tracking software.

Our highest-rated credit cards have:

  • An average rewards rate above 2% (or 2x points or miles)
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks that make running a business easier, like integration with expense-tracking software, premium travel benefits, and free employee cards.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

What I like about the Sapphire Reserve for Business℠ card

This card is especially well-suited for business owners who travel often. With 8x points earned on travel expenses booked through Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours -- it offers some of the highest earning potential of any business card focused on travel rewards.

Big welcome bonus

To kick things off with a bang, the Sapphire Reserve for Business℠ has a massive welcome offer for new customers. Earn 200,000 bonus points after spending $30,000 on purchases in the first 6 months from account opening.

That's worth $2,000 cash back. Or, up to $4,000 in travel when redeemed through Chase Travel℠ at up to 2x value with points boost offers.

Rewards categories

Beyond the welcome bonus and 8x points earned on travel, the rewards keep coming for everyday business spending.

You'll earn 5x total points on Lyft rides through 9/30/27, 4x points on flights & hotels booked direct and 3x points on social media & search engine advertising.

That's a huge win for businesses spending heavily in these categories. For every $10,000 you spend on Facebook ads, you're essentially earning $375 in travel rewards.

Points are more valuable through Chase Travel

Points are worth up to 2x when you redeem them through Chase Travel℠ points boost offers. Booking flights, hotels, and rental cars just got a little cheaper!

You can transfer points 1:1 to travel partners like Hyatt, United, and Southwest which could stretch those points even further. Many users get even more value this way -- especially when booking business-class flights or luxury stays.

Psst! You can read all about the flexible redemption options in our Chase Ultimate Rewards Points Guide.

Built-in travel and purchase protections

Even more perks that gives you and your business peace of mind:

  • Trip cancellation/interruption insurance (up to $20,000 per trip)
  • Primary rental car insurance (not just secondary)
  • Cellphone protection (up to $1,000 per claim)
  • Extended warranty + purchase protection

Our Top Business Credit Card Alternate Options

We suggest taking a good look at various options to pick the perfect card for you and your small business. Remember, not all business credit cards are created equal, and every business has unique needs. To help you out, we've put together a short list of top-notch business credit cards that offer great value across a variety of business types.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Earn up to $750 bonus cash back Circle with letter I in it. Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Earn 5% cash back in select business categories Circle with letter I in it. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.49% - 25.49% Variable

Apply Now for Ink Business Cash® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Earn $750 bonus cash back Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.49% - 23.49% Variable

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
150,000 Miles Circle with letter I in it. 150,000 Miles once you spend $30,000 in the first 3 months from account opening 2X-10X miles Circle with letter I in it. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site.

Intro:

Purchases: N/A

Balance Transfers: N/A

Regular: N/A

Apply Now for Capital One Venture X Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Downsides you should consider

While none of these are dealbreakers, there are a couple things to call out here:

High spend requirement for the bonus

If your business is just getting off the ground, you might find it hard to spend $30,000 on purchases in the first first 6 months from account opening to earn the welcome bonus.

No intro APR

Unlike some small biz cards, this one doesn't offer a 0% intro APR. So if you're planning a big purchase and want time to pay it off interest-free, you might want to look elsewhere.

If both of these downsides are important to you, you might want to consider the Ink Business Unlimited® Credit Card (see rates and fees) instead. The welcome bonus is a little easier to earn, and it has a great intro APR.

Is it worth the annual fee?

Let's say your business spends $50,000 per year on travel. At 8x points, that's 400,000 points -- worth $5,000 through Chase Travel. That easily outweighs the $795 annual fee.

Plus, the travel protections alone can save you hundreds in one single emergency.

How to apply for the Sapphire Reserve for Business

Step 1: Get your business details ready

Before starting the application, take a few minutes to gather some basic info about your business. You'll be asked for:

  • Your business name (or your full name if you're a sole proprietor)
  • Business type (sole proprietorship, LLC, corporation, etc.)
  • Tax ID (EIN or your Social Security number)
  • Business address and phone number
  • What your business does (industry and category)
  • Number of employees (it's okay if it's just you!)
  • Annual revenue and estimated monthly expenses

Don't have an EIN yet? No worries -- freelancers and gig workers can apply using their SSN instead. Chase is familiar with small businesses at all stages.

Step 2: Start your online application

Here is the direct link to Apply on Chase's website.

If you're already a Chase customer, you can log in to speed things up. Otherwise, you can apply as a guest.

The whole process takes around 10 minutes, and you'll also need to provide:

  • Your personal contact info (name, address, date of birth)
  • Your role in the business (like Owner or Managing Member)
  • Your total gross income (personal + business)

Step 3: Fill out the financial snapshot

Chase will want a quick overview of your financials. This is stuff like how much you plan to spend on the card and how you'll pay it back.

If your business is still ramping up or isn't profitable yet, be honest. I personally got approved for my first Chase business card and I had ZERO income or revenue. They gave me a $30,000 limit without blinking an eye!

Many applicants are approved based on strong personal credit, not just business income.

Step 4: Double-check and submit

Once you've completed all the sections, review everything carefully. A simple typo (like mistyping your income or address) could delay the process or lead to a rejection. Make sure it's all clean, then hit submit.

You might get an approval instantly. But if not, Chase usually responds within a few business days.

After that, just wait for your new card to arrive. Then activate it and start swiping!

And don't forget to start spending ASAP -- the clock is ticking to earn that welcome bonus!

Final thoughts

The Sapphire Reserve for Business℠ is one of the best tools for small business owners looking to rack up travel rewards fast. With high-value points, generous bonus categories, and built-in protections, it earns its keep (and then some.)

Ready to unlock serious travel rewards? Apply now for the Sapphire Reserve for Business℠ and start earning!