Is the New Chase Sapphire Reserve for Business Worth $795? Here’s the Breakdown

Chase just dropped a brand-new premium business credit card: the Chase Sapphire Reserve® for Business. With a hefty $795 annual fee and a benefits package designed for high-spend entrepreneurs, this card is clearly aimed at those who play in the big leagues.

So is it worth it? Let’s break it down.

The Basics

• Annual Fee: $795

• Employee Cards: Free (no lounge access like consumer authorized users)

• Signup Bonus: Not yet confirmed, but rumors point to a major launch bonus to match the upcoming June 23 refresh of the personal Sapphire Reserve

Shared Perks with the Consumer Sapphire Reserve

• $300 Travel Credit (automatic)

• $500 "The Edit" credit ($250 every 6 months)

• Global Entry / TSA PreCheck credit ($120 value)

• DoorDash DashPass membership

• $10/month Lyft credit + 5x points on Lyft (through 9/30/27)

• Primary CDW rental car insurance

• IHG Platinum Status

• Priority Pass + Sapphire Lounge access (includes two guests)

Business-Exclusive Credits

• ZipRecruiter: $400/year ($200 every 6 months)

• Google Workspace: $200/year

• GiftCards.com: $100/year ($50 every 6 months, via Reserve Business portal)

Elevated Perks for Big Spenders ($120K annual spend)

• $500 Southwest Airlines credit

• Southwest A-List status

• IHG Diamond Elite status

• $500 The Shops credit (vs. $250 on personal Sapphire Reserve)

Points Earning Structure

• 8x points on Chase Travel portal bookings

• 4x points on direct flights and hotel bookings

• 3x points on online advertising (social media and search engines)

• 1x points on all other purchases

Note: The business card does NOT earn 3x on dining like the consumer version.

What’s Missing Compared to the Consumer Version

• Apple Music and Apple TV+ credits

• $300 Sapphire Tables dining credit

• $300 StubHub credit

• Peloton credit

• Lounge access not extended to employee cards

Is It Worth It?

If your business has high travel and advertising spend, this card brings serious firepower. The 8x and 4x earning categories, uncapped 3x on advertising, and rich perks like ZipRecruiter and Google Workspace credits can easily offset the $795 fee.

However, if you’re not regularly using these benefits, the Chase Ink Preferred (at just $95/year) still delivers huge value with 3x on travel, shipping, and internet/phone services.

Final Verdict

The new Sapphire Reserve for Business is built for business owners who are already spending big — especially in travel and digital marketing. If you can max out the credits and bonus categories, the card easily pays for itself.

If not? Stick with the Ink Preferred and call it a day.

Stay tuned for the launch bonus details and a side-by-side comparison with Amex Business Platinum and Capital One Venture X Business.

Want help picking the right business card for your goals? Click here to book a free 15-minute strategy call with me.