Why I applied for the Chase Sapphire Reserve for Business

As they are saying, the satan’s within the particulars, and after I first heard the information of the brand new Chase Sapphire Reserve for Business℠ (see rates and fees), I used to be salivating simply excited about the 200,000-point welcome bonus after spending $30,000 within the first six months from account opening.

Then I spotted there have been no strict guidelines round getting the 200,000-point bonus, as a result of even in case you have a Chase Sapphire Reserve® (see rates and fees), you might be eligible.

If that wasn’t ok, the three factors per greenback incomes charge on web and social media promoting doesn’t have a yearly restrict — a element that some individuals may overlook however completely should not.

That little nugget stopped me in my tracks. To be trustworthy, I acquired an exhilarating rush like I have never in a really very long time from a brand new bank card.

Apply now: Add 200,000 Chase Final Rewards factors to your account after spending $30,000 within the first six months from account opening with Chase’s new enterprise card, the Chase Sapphire Reserve for Business.

Why?

At TPG, we spend some huge cash on web promoting, and I even have a number of different small companies that spend on this class.

The truth that there isn’t a restrict for spending on this class is likely one of the largest boons for my points-earning technique in a decade as a result of the American Express® Business Gold Card and the Ink Business Preferred® Credit Card (see rates and fees) each have $150,000 caps every calendar yr and account anniversary yr, respectively (then 1 level per greenback).

Sure, the annual payment on the cardboard is $795, but it surely will get you into lovely Chase Sapphire lounges, has many of the perks of the common Sapphire Reserve and comes with some additional enterprise perks.

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The Chase Sapphire Reserve for Enterprise is a sport changer for me, and I do know it is going to be for a lot of different small-business homeowners.

Let’s begin with the juicy headline: an enormous 200,000-point welcome bonus. That is price over $4,000 primarily based on TPG’s July 2025 valuations, making it one of many highest-value bonuses we’ve ever seen from Chase.

I already maintain the private Sapphire Reserve, however since having the patron card would not have an effect on your eligibility to get the business card, I jumped on it.

I did must confirm some enterprise earnings, so it is not a low-barrier utility. However in case you’re a legit enterprise proprietor with actual bills, it is nicely inside attain.

Associated: Who qualifies for a business credit card?

I spend quite a bit in that class, and, till now, I have been splitting the load between my American Express Business Gold Card — which earns 4 factors per greenback spent on these purchases, capped at $150,000 in mixed purchases per calendar yr (then 1 level per greenback)— and my Ink Business Preferred Card — which earns 3 factors per greenback spent on these purchases, additionally capped at $150,000 in mixed purchases per account anniversary yr.

This new card lets me consolidate my spending and maintain incomes past these limits, which is an enormous deal for rising our TPG model.

On prime of that, the power to earn at an accelerated charge after which use these factors by means of Chase’s Points Boost, which I have been doing currently for lodges and choose airfare as much as 2 cents apiece, is big. That is primarily getting as much as a 6% return per greenback spent in an uncapped class.

Associated: Why Chase’s Points Boost is an outstanding (kind of surprising) new way to book hotels on points

The perks on the Sapphire Reserve for Business present a ton of worth. Even in case you solely use half of them, you continue to come out forward. They rival (and, in some instances, beat) what you may get from different top-tier playing cards:

• A $300 annual travel credit
• Over $400 in mixed DoorDash (by means of Dec. 31, 2027) and Lyft (by means of Sept. 30, 2027) credit every year
• A $500 resort credit score by means of The Edit, Chase’s luxurious resort assortment ($250 biannually, with a minimal two-night keep required)
• $600 in mixed enterprise statement credits for Google Workspace (by means of Dec. 31, 2027) and ZipRecruiter (by means of Dec. 31, 2027)
• IHG One Rewards Platinum Elite status (by means of Dec. 31, 2027), with a path to Diamond Elite standing in case you spend $120,000 in a calendar yr
• A complimentary Priority Pass membership with two friends, plus free entry to Chase Sapphire lounges

I used The Edit to guide the Cheval Blanc in Paris final month — considered one of my favourite resort stays ever.

With Chase’s Factors Enhance, I acquired 2 cents per level in worth, which introduced the associated fee all the way down to about 114,000 factors per evening on a room that might’ve value me over $2,000 in money.

As a part of my perks from reserving through The Edit by means of Chase Travel℠, I additionally obtained a spa credit score, free breakfast and a room improve. That is Chase taking over the American Express Fine Hotels + Resorts program, and, frankly, doing it rather well.

This is not simply one other card I am test-driving. This card matches completely into my always-evolving factors technique. I am planning to downgrade my personal Sapphire Reserve and lean into this business version shifting ahead.

Past the uncapped earnings on advertisements, the cardboard additionally earns:

• 8 factors per greenback spent on journey booked by means of Chase Journey
• 5 factors per greenback spent on Lyft rides (by means of Sept. 30, 2027)
• 4 factors per greenback spent on flights and lodges booked immediately
• 1 level per greenback spent on all the things else

That is some critical incomes energy. And once you pair it with Factors Enhance, which I used to guide a $3,700 Delta One suite for simply 175,000 factors, the worth proposition goes by means of the roof. Delta Air Traces needed 650,000 Delta SkyMiles for a similar seat. That is an incredible win.

Associated: Chase Sapphire Reserve vs. Sapphire Reserve for Business: Which Reserve is right for you?

Let’s not sugarcoat it: The $795 annual payment is hefty, and spending $30,000 in six months is not any small feat. However this card may completely be price it in case you:

• Promote closely or spend massive on enterprise journey
• Need actual worth out of your factors, not simply 1 cent per level
• Want a card that rewards on a regular basis enterprise spending with out limits
• Recognize luxurious perks like spa credit, free breakfast and lounge entry

Even when you have already got the personal Sapphire Reserve or the Chase Sapphire Preferred® Card (see rates and fees), Chase permits you to maintain the enterprise model, too.

Associated: Who should get the Chase Sapphire Reserve for Business card?

With a juicy 200,000-point bonus, premium perks and uncapped earnings in a prime enterprise spending class, the Chase Sapphire Reserve for Business is a no brainer for the proper of enterprise proprietor.

If that sounds such as you, do not wait. Provides like this do not final perpetually.

To be taught extra, learn our full review of the Chase Sapphire for Business.

Apply right here: Chase Sapphire for Business