Sapphire Reserve Business
Employee cards $0 (employee cards are not eligible for lounges, The Edit, IHG status or the $250 hotel credit).
Credits 12
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $2,200 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every month
Up to $10 per month in Lyft in-app ride credit; card must be the payment method in the Lyft app (first Sapphire card added gets it). Lyft also earns 5x total through 9/30/2027.
$5 off one DoorDash restaurant order each month. The business card did not get the personal card's 10/2026 upgrade to $15.
How to activate: Add the card in the DoorDash app and activate the free DashPass with it, then pay with that card.
Condition: Requires activated complimentary DashPass; pay with the enrolled card
Two $10-off promos each month on separate non-restaurant (grocery, convenience, retail) DoorDash orders. No rollover.
How to activate: Add the card in the DoorDash app and activate the free DashPass with it, then pay with that card.
Condition: Requires activated complimentary DashPass; pay with the enrolled card
Every 6 months
Up to $200 Jan-Jun and $200 Jul-Dec in statement credits on purchases made directly with ZipRecruiter.
Up to $50 Jan-Jun and $50 Jul-Dec on gift cards from the curated collection at giftcards.com/reservebusiness (e.g., Chipotle, DoorDash, Fandango, Macy's, Sephora).
Every year
Up to $300 in statement credits on travel purchases each account anniversary year. Purchases covered by the credit earn no points.
Up to $250 per prepaid The Edit booking, up to $500 per calendar year in 2026. Rises to $1,000 per calendar year (four $250 credits) starting 1/1/2027. Qualifying purchases earn no points; primary cardmember only.
Condition: Prepaid (Pay Now) Chase Travel booking at The Edit property, 2-night minimum
Up to $250 in total statement credits through 12/31/2026 on prepaid Chase Travel stays of 2+ nights at IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels or Pan Pacific; the $250 can be spread over more than one booking. Primary cardmember only; qualifying purchases earn no points.
Condition: Prepaid Chase Travel hotel booking of 2+ nights at a participating brand
Up to $200 per calendar year in statement credits on Google Workspace purchases made directly with Google.
Up to $500 in statement credits at The Shops at Chase for the rest of the qualifying year and the following year (up to $1,000 at once if you qualify in consecutive years). Authorizing officer only.
Condition: After $120,000 spend in a calendar year
Up to $500 in statement credits on Southwest purchases booked through Chase Travel; expires at the end of the following year (up to $1,000 if you qualify in consecutive years). Those purchases earn no points.
Condition: After $120,000 spend in a calendar year
Every few years
One statement credit up to $120 every four years for the Global Entry, TSA PreCheck or NEXUS application fee.
Perks 10
Benefits you use rather than credits that post to your statement.
1,300+ lounges for the authorizing officer (auto-activated), up to two guests free, extra guests $27; employee cards not eligible.
Complimentary access with up to two guests; physical card or Priority Pass digital card required.
On prepaid The Edit bookings: $100 property credit, daily breakfast for two, a welcome amenity, Wi-Fi, room upgrade and early check-in/late checkout when available. All-inclusive (All-In Collection) stays get a $200 property credit instead of breakfast; boutique stays skip the upgrade and flexible times.
Complimentary through 12/31/2027; link your IHG account (activation can take up to 3 weeks).
Complimentary DashPass when activated by 12/31/2027; runs through 12/31/2027 or 12 months, whichever is longer.
Spend $120,000 in a calendar year to unlock IHG Diamond Elite and Southwest A-List for the rest of that year and the next, and World of Hyatt Explorist through February of the year after that. Authorizing officer only; each needs account linking.
Authorizing officers and one guest get in when departing on a Star Alliance flight; Signature Suites and the Montréal lounges are excluded and extra guests cost $59.
Points can be worth up to 2 cents each on select Chase Travel flights and hotels during rotating promotions; other bookings are 1 cent.
Free custom trip planning by Chase's travel designers; bookings earn 8x only when placed through Chase Travel.
Automatic Avis Preferred Plus with up to 30% off base rates, National Emerald Club Executive for one year after enrolling with up to 25% off, and Hertz savings after joining Hertz Gold Plus Rewards. Chase lists these as Visa Infinite benefits.
Also included
- Primary auto rental coverage for business rentals up to $75,000
- Cell phone protection up to $1,000 per claim ($100 deductible, 3 claims/12 months)
- Trip cancellation/interruption up to $10,000 and trip delay up to $500
- No foreign transaction fees
Before you apply
Chase’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Chase usually declines you if you’ve opened 5 or more personal cards from any bank in the last 24 months. This applies to almost every Chase card, personal and business. How 5/24 works
Usually no more than 2 new personal Chase cards in 30 days. A third application within 30 days is usually declined, and you still take the hard pull.
Usually just one new Chase business card in 30 days. A second business application within 30 days is usually declined.
Never miss one of these credits
Add the Sapphire Reserve for Business to Premium Finance, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.