Sapphire Reserve For BusinessSM Card
A $795-annual-fee points business card from JPMorgan Chase Bank, National Association, with airport lounge access and a $1,500 signup bonus.
JPMorgan Chase Bank, National Association · VISA
- Annual fee
- $795
- Purchase APR
- 17.74–28.49%variable
- Signup bonus
- $1,500
- Foreign transaction
- None
Earn Rules
| Online Shopping | 300.00% |
| Travelthrough Chase TravelSM, including The EditSM | 800.00% |
| Travelbooked direct | 400.00% |
| All Other | 100.00% |
Temporary earning
Limited-time promos or rotating categories. Excluded from Net Annual Value because these expire.
| Travel | 500.00%intro |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| Up to $500 in statement credits for Southwest Airlines flights booked through Chase Travel (requires $120,000 annual spend)yearnot counted: requires $120k annual spendSource ↗ | $500/yr |
| $500 credit for stays with The EditSMyearSource ↗ | $500/yr |
| Up to $500 in statement credits for The Shops at Chase (requires $120,000 annual spend)yearnot counted: requires $120k annual spendSource ↗ | $500/yr |
| $400 ZipRecruiter credityearSource ↗ | $400/yr |
+ Show 8 more credits
| $300 annual travel credityearSource ↗ | $300/yr |
| $300 DoorDash promosmonthlySource ↗ | $300/yr |
| $250 credit for select Chase Travel HotelsyearSource ↗ | $250/yr |
| $200 Google Workspace credityearSource ↗ | $200/yr |
| $120 Lyft creditmonthlySource ↗ | $120/yr |
| $120 DashPass membershipyearSource ↗ | $120/yr |
| $100 curated gift card credityearSource ↗ | $100/yr |
| $120 Global Entry or TSA PreCheck® or NEXUS fee creditevery 4 years (amortized)Source ↗ | $25/yr |
| Total credits / year we count | $2,315 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones you can reach at this spending level. The $500 and $500 credits are shown above but not added into the total, because they need a much higher spend or a separate account balance. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
Earn 150,000 points after you spend $30,000 on purchases in your first 6 months from account opening.
Value: $1,500 · Spend $30,000 in 6 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 28.49% APR would wipe out the card's other benefits within a single billing cycle of revolving.
- People who will spend $5,000 a month for the next 6 months anyway — that clears the $30,000 required for the $1,500 bonus, which covers the $795 fee and then some in year one.
- Travelers who will actually use the lounge access. Set what a visit is worth to you in the calculator above — it is counted as $0 until you do, so the $795 fee currently has to be covered by everything else.
Wondering if this card pays off for your situation? Is the Sapphire Reserve For BusinessSM Card worth it? →
Other Cards in the Same Fee Tier
A similar annual fee, ranked at the default profile.
- United ClubSM Business Card$695 ($1,155)
- UBS Visa Infinite Business Card$684 ($1,167)