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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.
Recently changed — 1 update. See below ↓
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs excellent credit (740+) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
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.
| Air Canada | Select Air Canada Maple Leaf Lounges & Air Canada Cafés (US/Canada/Europe) when flying any Star Alliance carrier; some lounges excluded · 1 complimentary guest; additional guests 59 USD/CAD/GBP/EUR each Verified by sourceWe don't track individual locations for this network yet. |
|---|
| 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 |
Using Sapphire Reserve Business at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
Chase Sapphire Lounges leave the Priority Pass and LoungeKey networks. Non-Chase Priority Pass/LoungeKey members lose all access, the annual free visit and the $75 entry rate; Chase cardholders keep unlimited access and gain a 5-hour entry window before a connecting flight (up from 3). Entry before an originating flight stays 3 hours.
Live figures above reflect what's true today; announced changes are flagged, not pre-applied. See all recent changes
*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, Air Canada.
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.
Yes. Most recent change (announced 2026-07-31): Chase Sapphire Lounges leave the Priority Pass and LoungeKey networks. Non-Chase Priority Pass/LoungeKey members lose all access, the annual free visit and the $75 entry rate; Chase cardholders keep unlimited access and gain a 5-hour entry window before a connecting flight (up from 3). Entry before an originating flight stays 3 hours.