Chase Sapphire Reserve for Business
By Alex Compton · Last verified
The Sapphire Reserve playbook, rebuilt for business owners with ad spend and software credits.
Welcome Bonus
200,000
≈$4,100 value
Spend Requirement
$30,000
in 6 months
Annual Fee
$795
No FTF
Credit Score
740+
(Excellent)
Current offer note: Chase labels this the returning best offer
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 3 tracked offers going back to 2025, nothing has beaten 200k.
Current offer
200k
All-time high
200k
Typical offer
200k
In place since
September 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-05 | 200,000 | $30,000 in 6 mo | Bonus increased: 150,000 → 200,000 · Spend: $20,000 → $30,000 · Window: 3 → 6 monthsLaunch-level best offer returned | Chase Sapphire Reserve for Business product page → |
| 2026-01 | 150,000 | $20,000 in 3 mo | Bonus decreased: 200,000 → 150,000 · Spend: $30,000 → $20,000 · Window: 6 → 3 months | Archive record · no attached snapshot |
| 2025-06 | 200,000 | $30,000 in 6 mo | Earliest recordLaunch offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Correction to prior event summary: best offer returned at 200,000 points after $30,000 in six months; current credits, lounge access and spend benefits reconciled
Chase Sapphire Reserve for Business product page → - changed
Best offer returned at 200,000 points after ,000 in six months; current credits, lounge access and spend benefits reconciled
Fields: currentOffer, offerHistory, credits, benefits, pros, cons, ourTake, lastVerified
Chase Sapphire Reserve for Business product page →
Source checked 2026-09-05 · spot an outdated offer? Report a correction above.
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Earning Rates
- 8xChase Travel purchases
- 4xFlights and hotels booked direct
- 3xSocial media and search engine advertising
- 1xAll other purchases
Credits ($2,170/yr stated)
- Travel credit$300
Automatic, any travel purchase
- The Edit hotel credit$500
$250 Jan to Jun plus $250 Jul to Dec
- Select Chase Travel hotel credit$250
Eligible prepaid two-night stays through December 31, 2026
- Google Workspace credit$200
- ZipRecruiter credit$400
- Lyft credit$120
$10 monthly through September 30, 2027
- DoorDash promotions$300
$25 monthly through December 31, 2027 after DashPass activation
- Curated gift card credit$100
$50 semiannually
Benefits
- ✦Chase Sapphire Lounges and 1,300+ Priority Pass lounges with up to two guests; employee cards are excluded
- ✦Points Boost on select Chase Travel redemptions
- ✦Up to $120 for Global Entry, TSA PreCheck or NEXUS every four years
- ✦IHG One Rewards Platinum Elite status through December 31, 2027
- ✦12 months of DashPass when activated by December 31, 2027
- ✦$120,000 annual spend unlocks Hyatt Explorist, IHG Diamond, $500 in Shops at Chase credits and a $500 Southwest flight credit
- ✦Cell phone protection up to $1,000 per claim, three claims per 12 months, with a $100 deductible
- ✦Full 1:1 transfer partner access including Hyatt and United
- ✦Free employee cards
- ✦Does not appear on personal credit report
Lounge Access
This card opens 2 lounge networks. See exactly what you can walk into at your airport with the Lounge Finder.
Why it earns its spot
- +3x on ad spend stacks with a huge credit pile for real businesses
- +The 200k offer is worth about $4,100 in transfers at our valuation
- +Doesn't add to your 5/24 count
Where it costs you
- −$30k spend requirement shuts out small operators
- −$795 fee on top of a personal CSR is a lot of coupon book
- −Chase business approvals can require a phone call
The Compound Verdict
This is the CSR for companies that actually spend. If you can naturally run $30k through a business in six months, the 200k offer and ad multiplier are compelling. Side hustlers should start with an Ink instead, and employee cardholders should not expect their own lounge access.
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