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๐Ÿ“˜ Free beginner's guide โ€” your first card, step by step. Get it free โ†’
๐Ÿ”ฅ Limited-Time: 200,000 bonus points after $30,000 spend in 6 months โ€” highest offer ever on this card Apply through my referral link to support the community (at no cost to you)

Value Calculator

Is the Sapphire Reserve
for Business Worth It?

The $795 annual fee sounds steep โ€” until you actually use the benefits. Adjust the sliders to see what it's worth to you.

Annual Fee: $795 ยท Current Offer: 200K pts / $30K spend / 6 months

What's in the box โ€” 2026 Benefits

Chase Edit Hotel Credit
Up to $500 off prepaid Chase Travel hotel stays โ€” up to $250 per transaction, 2+ night bookings
Annual
$500
Hotel Credit โ€” Select Properties
IHG, Montage, Pendry, Omni, Virgin Hotels โ€” prepaid through Chase Travel, 2+ nights
Annual
$250
Travel Credit
Statement credit on any travel purchase โ€” flights, hotels, car rentals, etc.
Annual
$300
Google Workspace Credit
Toward Google Workspace for Business subscriptions
Annual
$200
DoorDash Restaurant Credit
$5/month on restaurant orders through DoorDash
Monthly
$60/yr
DoorDash Non-Restaurant Credits
$10/month ร— 2 on grocery, convenience, etc.
Monthly
$240/yr
Lyft Credit
$10/month toward Lyft rides
Monthly
$120/yr
ZipRecruiter Credit
$200 semi-annually = $400/year toward ZipRecruiter job postings
Semi-Annual
$400/yr
GiftCards.com Credit
$50 semi-annually = $100/year
Semi-Annual
$100/yr
Priority Pass Lounge Access
Unlimited airport lounge access for you + guests
Ongoing
varies
Global Entry / TSA PreCheck Credit
Up to $120 application fee credit every 4 years
Every 4 yrs
~$30/yr
3x Points on Travel & Dining
Plus 10x on Chase Travel bookings โ€” all earned as transferable Ultimate Rewards
Ongoing
varies

Full annual benefit value if used completely

Total Available Benefits
$2,170 / yr
vs. $795 annual fee โ€” a potential $1,375 net gain
$1,050
Hotel credits
$300
Travel credit
$420
Monthly credits
$400
ZipRecruiter

Not all benefits may apply to every business. Adjust the sliders below to personalize.

Personalize Your Value

Drag the sliders to reflect how much of each benefit you'd realistically use. Your personal net value updates instantly.

$500
$250
$300
$0
$120
$0
$0
$0
Your Personal Value
$1,270
Your benefits โ€” $795 fee = $475 net gain
You're ahead by $475 per year, before earning a single point.
๐Ÿ’ก On the 200K welcome offer: $30,000 in 6 months is a higher bar than the personal CSR's $6K/3 months โ€” but this is a business card. If your business runs $5K+/month through cards (payroll services, materials, software, supplies), you'll hit it naturally. The 200,000 points are worth ~$3,000โ€“$4,000 in travel at 1.5โ€“2ยข/pt. That makes year-one value extraordinary.

๐Ÿ”ฅ 200,000 Point Welcome Offer โ€” Elevated Right Now

This is the highest bonus Chase has ever offered on this card. The standard offer is 150,000 points after $20,000 in 3 months. Right now you can earn 200,000 points after $30,000 in 6 months โ€” that's 50,000 extra points and double the time to meet the spend.

๐Ÿ”ฅ Limited-time elevated offer ยท No published end date

At my standard valuation of 1.5โ€“2ยข per Chase point, 200,000 points = $3,000โ€“$4,000 in travel. Stack that on top of $1,375 in annual benefit value and year one is a no-brainer for most business travelers.

Apply for the Sapphire Reserve for Business โ†’

I earn bonus points when you use my referral link โ€” it costs you nothing and helps keep these free tools running. Thank you! ๐Ÿ™

Compare with the personal Sapphire Reserve

Chase Sapphire Reserveยฎ (Personal)
150K pts ยท $6,000/3 months ยท $795 annual fee ยท $2,190 in benefits
Calculate value โ†’
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