Chase Sapphire Reserve vs. Reserve for Business: Card showdown

Chase now has two flagship premium card choices, one private and one enterprise. The financial institution not too long ago launched the Chase Sapphire Reserve for Business℠ (see charges and charges) and refreshed the favored Chase Sapphire Reserve® (see charges and charges) with new advantages. Both playing cards carry a whopping $795 annual price however have varied premium journey perks, helpful assertion credit and airport lounge entry.

Let’s examine these two playing cards and see which is true for you.

Comparison of the Sapphire Reserve vs. Sapphire Reserve for Business

Card	Sapphire Reserve	Sapphire Reserve for Business
Welcome supply	Earn 100,000 bonus factors and a $500 Chase Travel℠ credit score after spending $5,000 on purchases within the first three months from account opening.	Earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening.
Annual price	$795	$795
Earning charges	Earn 10 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (by Dec. 31, 2027), with a most of fifty,000 factors. Earn 8 factors per greenback spent on purchases made by Chase Travel, together with The Edit. Earn 5 factors per greenback spent on eligible Lyft rides by Sept. 30, 2027. Earn 4 factors per greenback spent on flights and inns booked immediately. Earn 3 factors per greenback spent on eating worldwide. Earn 1 level per greenback spent on all different purchases.	Earn 8 factors per greenback spent on Chase Travel purchases. Earn 5 factors per greenback spent on eligible Lyft rides by Sept. 30, 2027. Earn 4 factors per greenback spent on flights and inns booked immediately. Earn 3 factors per greenback spent on promoting purchases made with social media websites and search engines like google and yahoo. Earn 1 level per greenback spent on all different purchases.
Statement credit	Travel: $300 annual journey credit score and a Global Entry/TSA PreCheck/Nexus software price credit score (as much as $120) DoorDash: Complimentary DoorDash SprintPass subscription value $120 (activate by Dec. 31, 2027) and as much as $300 yearly in month-to-month DoorDash promos Lyft: $10 month-to-month credit score in-app (by Sept. 30, 2027) Hotels: Up to $500 annual The Edit credit score Entertainment: Up to $300 annual StubHub and viagogo credit score (activation required) Dining: Up to $300 annual eating credit score at OpenTable (cardholders obtain primetime reservations at Sapphire Reserve Exclusive tables; no prepayment or fee by OpenTable is required) Streaming: Up to $250 yearly in complimentary Apple TV+ and Apple Music subscriptions (one-time activation per service by chase.com or Chase Mobile app required), in addition to as much as $120 Peloton credit score (by Dec. 31, 2027; activation required)	Travel: $300 annual journey credit score and a Global Entry/TSA PreCheck/Nexus software price credit score (as much as $120) DoorDash: Complimentary DoorDash SprintPass subscription (activate by Dec. 31, 2027) and as much as $300 yearly in month-to-month DoorDash promos Lyft: $10 month-to-month credit score in-app (by Sept. 30, 2027) Hotels: Up to $500 annual The Edit credit score Business: Up to $400 annual ZipRecruiter credit score and as much as $200 Google Workspace credit score

Sapphire Reserve vs. Reserve for Business welcome supply

With each playing cards having $795 annual charges, the very first thing you may have a look at is the welcome affords. Both playing cards have industry-leading welcome affords that may present hundreds of {dollars} in worth when redeemed for journey.

For a restricted time, new candidates for the Sapphire Reservecan earn 100,000 bonus factors and a $500 Chase Travel credit score after spending $5,000 on purchases throughout the first three months from account opening. Based on TPG’s June 2025 valuation of Chase Ultimate Rewards factors at 2.05 cents every, this supply is value as much as $2,550.

On the opposite hand, new Sapphire Reserve for Business candidates can earn 200,000 bonus factors after spending $30,000 on purchases within the first six months after account opening. Based on TPG’s June 2025 valuations, this supply is value $4,100.

The welcome supply on the Sapphire Reserve is far more attainable, because the minimal spending requirement is way decrease at $5,000 over three months. However, these with excessive enterprise bills can get extra worth from the Sapphire Reserve for Business’ bigger factors bonus.

Winner: Chase Sapphire Reserve for Business. Its welcome supply is value virtually double that of the Sapphire Reserve; nonetheless, it requires six occasions the minimal spending quantity of the Sapphire Reserve.

Related: The greatest bank card welcome bonuses of the month

Sapphire Reserve vs. Reserve for Business advantages

Both playing cards supply quite a few advantages, together with assertion credit, lounge entry and journey protections.

Daily Newsletter

Reward your inbox with the TPG Daily publication

Join over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants

Here’s an summary of the advantages supplied on each playing cards:

Benefit	Sapphire Reserve	Sapphire Reserve for Business
Annual assertion credit and advantages	$300 annual journey credit score Up to $500 The Edit credit score Up to $300 annual StubHub credit score or viagogo (activation required) Up to $300 annual eating credit score at OpenTable (cardholders obtain primetime reservations at Sapphire Reserve Exclusive tables; no prepayment or fee by OpenTable is required) Complimentary DoorDash SprintPass subscription value $120 (activate by Dec. 31, 2027), plus two promos of as much as $10 off every calendar month at checkout on grocery, comfort or different nonrestaurant orders and $5 off restaurant orders Up to $250 yearly in complimentary Apple TV+ and Apple Music subscriptions (one-time activation per service by chase.com or Chase Mobile app required) Up to $120 annual in-app Lyft credit by Sept. 30, 2027 (as much as $10 month-to-month; credit score doesn’t apply to Wait & Save, bike or scooter rides) Up to $120 Global Entry, TSA PreCheck or Nexus software price credit score each 4 years Up to $120 Peloton credit score (by Dec. 31, 2027)	$300 annual journey credit score Up to $500 The Edit credit score Up to $400 annual ZipRecruiter credit score Up to $200 Google Workspace credit score Up to $120 Global Entry, TSA PreCheck or Nexus software price credit score each 4 years $10 month-to-month Lyft credit score in-app by Sept. 30, 2027 (doesn’t apply to Wait & Save, bike or scooter rides) Complimentary DoorDash SprintPass membership by Dec. 31, 2027, plus two promos of as much as $10 off every calendar month at checkout on grocery, comfort or different nonrestaurant orders and $5 off restaurant orders
Lounge entry		Complimentary Priority Pass Select membership Complimentary entry for you and two visitors to Chase Sapphire Lounge by The Club places Complimentary entry to twenty Air Canada Maple Leaf lounges when touring on a Star Alliance airline
Travel protections		Primary automobile rental insurance coverage (when renting for enterprise functions) Baggage delay insurance coverage Trip delay insurance coverage Trip cancellation/interruption insurance coverage Emergency medical and dental advantages
Hotel perks	Automatic IHG One Rewards Platinum Elite standing (by Dec. 31, 2027) Access to The Edit by Chase Travel (cardholders obtain a $100 property credit score and perks like complimentary breakfast when reserving by The Edit)	Automatic IHG One Rewards Platinum Elite standing (by Dec. 31, 2027) Access to The Edit by Chase Travel (cardholders obtain a $100 property credit score and perks like complimentary breakfast when reserving by The Edit)
Unlockable advantages	After spending $75,0000 or extra in a yr, you unlock: IHG One Rewards Diamond Elite standing Southwest Rapid Rewards A-List standing $500 Southwest Airlines credit score $250 The Shops at Chase credit score	After spending $120,000 or extra in a yr, you unlock: IHG One Rewards Diamond Elite standing Southwest Rapid Rewards A-List standing $500 Southwest Airlines credit score $500 The Shops at Chase credit score

Most of the playing cards’ advantages, just like the airport lounge entry, the annual $300 journey credit score and the journey protections in case your travels go awry, overlap.

There are just a few variations between the advantages the playing cards supply. The Sapphire Reserve has extra lifestyle-focused advantages like eating, leisure and streaming credit. In distinction, the Sapphire Reserve for Business credit are extra catered towards enterprise homeowners, with credit targeted on hiring and productiveness.

Additionally, you possibly can unlock the identical elite advantages on the Sapphire Reserve with $45,000 much less in spending. However, you’ll sacrifice $250 in The Shops at Chase credit score. This is Chase’s new on-line procuring expertise with merchandise from Dyson, Tumi and different high-end manufacturers.

It’s vital to notice that present Sapphire Reserve cardholders won’t have entry to new advantages and credit till Oct. 26, 2025.

Winner: Chase Sapphire Reserve. It affords barely extra assertion credit which can be simpler to make use of for most shoppers. However, the Chase Sapphire Reserve for Business may be wonderful for small-business homeowners who already spend with ZipRecruiter and Google Workspace.

Related: The greatest premium bank cards: A side-by-side comparability

Earning factors on the Sapphire Reserve vs. Sapphire Reserve for Business

Both playing cards earn ultravaluable Chase Ultimate Rewards factors in quite a lot of bonus classes.

With the Sapphire Reserve, you will earn:

10 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (by Dec. 31, 2027), with a most of fifty,000 factors
8 factors per greenback spent on purchases made by Chase Travel, together with The Edit
5 factors per greenback spent on Lyft rides by Sept. 30, 2027
4 factors per greenback spent on flights and inns booked immediately
3 factors per greenback spent on eating worldwide
1 level per greenback spent on all different purchases

Meanwhile, the Sapphire Reserve for Business earns:

8 factors per greenback spent on Chase Travel purchases
5 factors per greenback spent on eligible Lyft rides by Sept. 30, 2027
4 factors per greenback spent on flights and inns booked immediately
3 factors per greenback spent on promoting purchases made with social media websites and search engines like google and yahoo
1 level per greenback spent on all different purchases

It’s vital to notice that there is no such thing as a spending cap on the three factors per greenback spent on promoting, in contrast to different Chase enterprise playing cards, just like the Ink Business Preferred® Credit Card (see charges and charges), which has a $150,000 spending cap.

Both playing cards have the identical incomes charges on Chase Travel purchases and flights and inns booked immediately. The Sapphire Reserve affords bonus factors on eating and Peloton purchases. However, enterprise homeowners who spend closely on internet marketing will respect the limitless bonus earnings accessible with the Sapphire Reserve for Business.

Winner: Tie. Both playing cards have comparable incomes charges with some key variations. Think by your every day spending to search out the very best match for your pockets.

Related: Is the Chase Sapphire Reserve definitely worth the annual price?

Redeeming factors on the Sapphire Reserve vs. Sapphire Reserve for Business

Both playing cards supply a number of methods to redeem your factors, however the very best worth redemption will likely be to switch to one among Chase’s switch companions. You can redeem your factors for money again, present playing cards, eating and experiences by the Ultimate Rewards portal. You also can benefit from Chase’s Pay Yourself Back characteristic, the place you will get increased worth out of your factors to cowl eligible purchases.

Additionally, Chase has launched Points Boost. Points can be utilized to guide journey immediately by Chase Travel at a worth of as much as 2 cents per level, relying on the cardboard and the particular redemption (see your rewards program settlement for full particulars). Here are some things to notice about Points Boost:

Points Boost supply charges rely on the airline and the category you guide (fundamental economic system is excluded). The airways will range and alter, however from the beginning, it looks like the airways eligible for Points Boost are all Chase switch companions.
Premium cabins will supply increased redemption charges.
Points redeemed for reserving a property that is a part of The Edit will likely be redeemed at 2 cents per level.
For Sapphire Reserve cardholders accepted earlier than June 23, 2025, all factors earned earlier than Oct. 26, 2025, may be redeemed at 1.5 cents per level through Chase Travel, whatever the airfare class or resort property, or at as much as 2 cents with Points Boost. The increased redemption fee will mechanically be chosen for you for two years.
All non-Points Boost-eligible Chase Travel purchases may be redeemed at a fee of 1 cent per level.

Winner: Tie. Both playing cards supply the identical redemption choices and entry to Chase’s Points Boost perk.

Transferring factors on the Sapphire Reserve vs. Sapphire Reserve for Business

You can switch Ultimate Rewards factors to Chase’s in depth roster of 14 airline and resort companions. Transferring factors allows you to get most worth from them, and you may usually exceed TPG’s June 2025 valuation of two.05 cents per level. These switch companions are the identical for each Sapphire Reserve playing cards.

Some standard companions embody Air Canada Aeroplan, Air France-KLM Flying Blue, United MileagePlus and World of Hyatt.

Danyal Ahmed, a playing cards author at TPG, ceaselessly transfers his factors to Air Canada Aeroplan due to its phenomenal award charts. For instance, he not too long ago transferred 20,000 factors to guide a multicity journey round Europe, all in enterprise class, with Swiss and Turkish Airlines.

Winner: Tie. Both playing cards share the identical switch companions and charges.

Related: How to redeem Chase Ultimate Rewards factors for most worth

Should I get the Sapphire Reserve or the Sapphire Reserve for Business?

If you are not a enterprise proprietor and like incomes bonus factors on on a regular basis spending classes like eating, it is best to decide for the Sapphire Reserve. Meanwhile, in the event you’re a enterprise proprietor wanting for premium advantages and bonus factors on promoting, it is best to decide for the Sapphire Reserve for Business.

However, in the event you’re a enterprise proprietor and torn between which card to get, you can get each playing cards and obtain each welcome bonuses. If you resolve to do that, make sure you time your purposes so you will have sufficient time to earn each bonuses.

Bottom line

The Sapphire Reserve has been revamped with the next annual price, however it additionally now has quite a few credit and advantages to offer cardholders extra worth. If you are wanting for an easy-to-use journey credit score, lounge entry and a plethora of different advantages, this selection is true for you.

Meanwhile, the Sapphire Reserve for Business is Chase’s first foray into the premium enterprise card market. Its advantages and assertion credit are catered to small-business homeowners who worth premium journey advantages. There’s loads of overlap, however it’s value evaluating the 2 to see which is the very best match for your pockets.

Apply right here: Chase Sapphire Reserve

Apply right here: Chase Sapphire Reserve for Business