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Chase · credit
Last updated
Typically needs excellent credit (guideline, not a guarantee)
Is the Sapphire Reserve Business worth keeping when the fee hits? →
Welcome offer — Offer varies — see issuer (rotates frequently) Estimated by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
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What this card delivers across six value dimensions (0–100, normalized).
| 8× | Chase Travel (flights, hotels, rentals) — Booked through Chase Travel portal Inferred by source |
|---|---|
| 4× | Dining direct with restaurants Inferred by source |
| 3× | Social media & streaming advertising — Eligible business advertising/streaming Inferred by source |
| 1× | Everything else Inferred by source |
Chase Ultimate Rewards points transfer to these loyalty programs. All transfer 1:1, except World of Hyatt is 4:3 on Sapphire Preferred & Ink Business Preferred (see recent changes). Inferred by source
| Airlines (11) | |
|---|---|
| Hotels (3) |
Recent transfer changes
| The Edit by Chase Travel credit | $500/yr · semiannual Inferred by source |
|---|---|
| Chase Travel hotel credit | $250/yr · annual Inferred by source |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
Heads up: Priority Pass isn't automatic — the card makes you eligible, but you must enroll and activate your Priority Pass membership through your card's benefits portal first. Without that step you won't get in, even with the card.
| Rental car CDW | Auto rental collision damage waiver (primary for business use) Inferred by source |
|---|---|
| Trip cancellation | Trip cancellation / interruption insurance Inferred by source |
| Trip delay | Trip delay reimbursement Inferred by source |
| Baggage | Baggage delay + lost luggage reimbursement Inferred by source |
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Chase Sapphire Reserve for Business has a $795 annual fee.
Using its non-spend-gated credits fully, the Chase Sapphire Reserve for Business returns about $750 in value against its $795 annual fee — a net of −$45 per year. It only makes sense if you value its perks beyond the listed credits.
The Chase Sapphire Reserve for Business earns 8x on chase travel (flights, hotels, rentals), 4x on dining direct with restaurants, 3x on social media & streaming advertising.
Yes. The Chase Sapphire Reserve for Business grants access to Sapphire, Priority Pass.
No — the Chase Sapphire Reserve for Business has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — see issuer (rotates frequently). Welcome offers change frequently — confirm the current one on the issuer's page before applying.