CHASE

Chase

Sapphire Reserve for Business

AF $795BUSINESS⚡ ALL-TIME HIGH★ Keeper

What it is

The Sapphire Reserve for Business is a Chase business card earning Ultimate Rewards points. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. Chase's premium business travel card — the Sapphire Reserve's credit-and-lounge stack rebuilt with business perks. A keeper only if you'll use the travel and business credits against the fee.

Offer history

Current offer

200,000

$3,000 bonus · $3,461 year 1

Spend to earn

$30k

~$5,000/mo · 180d

All-time high

200,000

now

Timing

At its peak

matches all-time high

Value over time

Plot

Year 1 (incl. perks)Bonus $Spend / mo (right)All-time highProduct refresh

Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.

Offer	Bonus	Value	Year 1	Return	Date
PUBLIC ATH	200,000$30k · 180d	$3,000	$3,461	12%	Jun ’26
PUBLIC	150,000$20k · 180d	$2,250	$2,711	14%	Jan ’26
PUBLIC	200,000$30k · 180d	$3,000	$3,461	12%	Jun ’25

What you get

Priority Pass + issuer loungesNo foreign transaction feesCell phone protectionPrimary rental car insuranceTrip cancellation insurance

The Edit hotel credit$500per year
Up to $500 a year in statement credits ($250 each half of the year) on hotel stays booked through The Edit by Chase Travel (two-night minimum).
ZipRecruiter credit$400per year
Up to $400 a year in ZipRecruiter statement credits ($200 each half of the year).
Travel credit$300per year
Up to $300 a year in statement credits toward travel purchases, applied automatically.
DoorDash credits$300per year
Up to $25 a month in DoorDash credits — a $5 restaurant promo plus two $10 non-restaurant promos.
lounge_priority_pass$300per year
Complimentary Priority Pass Select membership with unlimited lounge visits; bring up to two guests free.
Google Workspace credit$200per year
Up to $200 a year in Google Workspace statement credits.

Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.

The receipt

standard values

SUB value	+$3,000
200,000 UR ×
Benefits (Year 1)	+$1,256
↳ $2,710 at sticker value — before custom valuations Ongoing Travel credit($300 × ) Travel credit $300 × $285 The Edit hotel credit($250/semi × ) The Edit hotel credit $250/semi × $225 ZipRecruiter credit($200/semi × ) ZipRecruiter credit $200/semi × $160 One-time Global Entry credit($120 × ) Global Entry credit $120 × $30
Annual fee	−$795
Year 1	$3,461
Return for spending $30k	12%

Score

Payout

$3,461

ROI

12%

Value (39% payout · 61% ROI — leans ROI for your spend)47

× Timing — at its all-time-high offerno penalty

× Keeper — ongoing value covers the annual fee+10%

Base score51.7

× Spend feasibility — $12,000 of $30,000 (default $2,000/mo · edit ↗)0.40

Thiccscore21 / 100

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Sapphire Reserve for Business scores 21 here on standard point values. See where it ranks against every card, scored for your points, spend, and eligibility.

Open the ranked table →