Sapphire Reserve for Business: Worth $795?!

The Sapphire Reserve for Business℠ is a premium business credit card designed to meet the needs of growing companies, frequent travelers, and founders who value rewards and flexibility. It combines elevated earning rates across key spend categories with up to $2,500+ in annual value through statement credits, travel perks, and business tools.

Intro Bonus and Eligibility

The Sapphire Reserve for Business℠ Credit Card has some key rules to be aware of:

Once-Per-Lifetime Rule

• You are now limited to receiving only one intro bonus per card
• This applies to Sapphire cards, including: Chase Sapphire Preferred® Credit Card, Chase Sapphire Reserve® Credit Card, and Sapphire Reserve for Business℠ Credit Card
• Once you have received an intro bonus for one of the cards, you won't be able to earn it again on the same card.

Active Sapphire Rule

• If you're an active holder of any Sapphire card, you won't be eligible for the intro bonus of a different Sapphire product, even though you can hold both at the same time.
• For example, if you currently hold the Chase Sapphire Preferred®, you can apply and get approved for the Sapphire Reserve for Business℠, but since you had an active Sapphire card, you won't be eligible for the bonus (even if you otherwise would be)

Past Sapphire Rule:

• If you were previously a Sapphire member but downgraded or canceled, you're eligible for other Sapphire bonuses, as long as you've never had that specific card before
• For example, if you previously had the Chase Sapphire Preferred® and canceled it a few months ago, you're eligible for the Sapphire Reserve for Business℠ intro bonus
• The system needs to recognize that you're no longer a Sapphire customer, and the best practice is to wait 1-2 weeks from downgrading or canceling (to avoid the risk of triggering the Active Sapphire Rule above)
• For example, if you have the Chase Sapphire Preferred® but want the Sapphire Reserve for Business℠ (and to receive the intro bonus), then you should downgrade the former and wait ~2 weeks before applying for the latter.

Chase 5/24 Rule:

• The Chase Sapphire cards are affected by the Chase 5/24 rule.
• If you have opened more than 5 accounts from any credit card issuer in the past 24 months, you don’t qualify for the intro bonus.

Minimum Credit Limit Rule:

• The Sapphire Reserve for Business℠ is a Visa Infinite Business card, and the minimum credit limit for approval with Chase is $10,000. Depending on your current limits across your other Chase cards, you may want to decrease these limits proactively to make the approval process easier.

Sapphire Reserve for Business℠ Calculator

Ask Sebby crunches the numbers for you to calculate the Expected Value of the  Sapphire Reserve for Business℠. For the expected value of points, we derive the approximate dollar value based on the numbers you enter in the calculator. Scroll down to the end of the post to see our methodology.

The calculator below contains default figures and serve as an example only. Users should insert their own data for the most accurate results. 

Calculation Methodology

The results from the above calculator are based on your ability to reach the minimum spend requirement to earn the welcome offer, your amount of spend on different categories, how you plan to redeem  Chase Ultimate Rewards®, and how much relative value you assign to the other benefits. 

The “Years” referenced in the calculator refer to the cardmember year, based on when you are approved for the card.

• Year 1 = first 12 months of card membership
• Year 2 = the following 12 months afterward

Key features

Point Multipliers:

• 8x points on all Chase Travel℠ purchases
• 4x points on flights and hotels booked directly
• 3X points on advertising with social media platforms and search engines
  • If you’re spending big on Meta, Google Ads, or TikTok, this could be a high-ROI play.
• 1x points on other purchases

Annual partner credits:

• $200 Google Workspace Credit – Great if you’re using AI tools or collaboration software.
• $100 Giftcards.com Credit – Easy win for employee appreciation.
• $400 ZipRecruiter Credit – Useful for lean teams or growing startups.

On top of that, it still includes:

• $300 travel credit
• $500 The Edit hotel credit
• $300 in DoorDash® promos ($25/month), with DashPass included ($120 value)
• $120 in Lyft credits ($10/month); also 5x total points on eligible rides
• Chase Sapphire Lounge + Priority Pass + Air Canada Maple Leaf Lounges (when flying Star Alliance) access for the primary cardholder and two guests
• No annual fee for employee cards (though they don’t get lounge access independently)

If you hit $120,000 in spend per calendar year, you unlock:
 

• IHG One Rewards Diamond Elite status
• Southwest Airlines A-List Status and a $500 Southwest Airlines credit when booked through Chase Travel
• $500 credit to The Shops at Chase, with brands like Dyson, Tumi, and Therabody
   

In short: If your business is spending five or six figures a year on ads, software, or team ops—and you travel often—this card can pull serious weight.