Forget American Express and Capital One – there’s one strong player in the premium business card market: Chase Sapphire Business Reserve℠ (See Rates and Fees). This card is the counterpart of the commercial card Chase Sapphire Reserve® (See Rates & Fees), a long-time favorite among TPG employees.
With this card, Chase has firmly positioned itself in the premium business credit card space, competing directly with credit cards like American Express Business Platinum Card® and Capital One Ventures’ X business. Sapphire Reserve for Business has an annual fee of $795, but its long list of bill points, elite status benefits, and travel benefits can help the right business owner offset that cost.
One of the most compelling aspects of this card is its popular offer, although getting it requires a substantial outlay. This is your last chance to get a limited-time welcome bonus, so now is the ideal time to apply. You must apply by January 22nd at 9am ET.
Let’s take a look at the Sapphire Reserve for Business welcome offer, how much you have to spend to get it, and what it’s worth.
Chase Sapphire Reserve for Business Current Offer
new Sapphire Commercial Reserve Earn 200,000 bonus points when you spend $30,000 within six months of account opening. This is your last chance to apply for this card and earn this bonus. You must apply by January 22nd at 9am ET.
Based on TPG’s January 2026 valuation, this welcome offer is worth up to $4,100.
It’s important to note that this card won’t count toward Chase’s 5/24 rule because it’s a business credit card. However, you must be under 5/24 years old to be eligible for approval. This means you cannot open five or more credit cards in the past two years.
Currently, there are no other welcome bonus eligibility restrictions (other than the 5/24 rule). For example, if you have received a welcome bonus with the Sapphire Consumer Card in the past, you may still be eligible for a bonus with the Sapphire Business Card if approved.
Related: The best welcome deals this month
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Who should apply for the Chase Sapphire Business Reserve?
this Sapphire Commercial Reserve Deliver value year after year. What you will get:
- Earn 8 points per $1 spent on purchases made through Chase Travel℠ (including The Edit)
- Earn 5 points per $1 spent on Lyft purchases (through September 30, 2027)
- Earn 4 points per $1 spent when booking flights and hotels directly
- Earn 3 points per $1 spent on social media and search engine advertising
- Earn 1 point per $1 spent on all other purchases
Chase has a great list of 13 airline and hotel partners to whom you can transfer points for maximum value. Plus, with the Points Top Up feature, you can redeem points through Chase Travel for up to 2 cents per point, depending on the type of travel booked (see your card’s Benefits Guide for more information). However, you’ll get the best value by booking high-end travel with partners like Air Canada Aeroplan and World of Hyatt.
In addition, Sapphire Reserve for Business comes with valuable reporting credits for enterprise needs, including:
- Up to $500 in annual points on The Edit, Chase’s premium hotel program (minimum two-night stay required)
- Up to $400 in annual ZipRecruiter points (ends December 31, 2027)
- Up to $300 in annual travel credits
- Up to $300 in annual DoorDash promotions and free DashPass membership (ends December 31, 2027; registration required)
- Up to $200 in annual Google Workspace credits (ends December 31, 2027)
- Credit up to $120 every four years for Global Entry, TSA PreCheck or Nexus
- Up to $100 in Giftcards.com points per year (ends October 31, 2028)
You’ll also receive numerous travel-related benefits, such as IHG One Rewards Platinum Elite status (until December 31, 2027; not applicable to employee card members), lounge access, and travel-related benefits and protections. In addition, cardholders can unlock $500 in Southwest bill points, Southwest Rapid Rewards A-List Elite status and IHG One Rewards Diamond Elite status after they spend $120,000 on the card in a single calendar year. These statuses are valid until the end of the current calendar year and throughout the following year.
If you can take advantage of these benefits to maximize your day-to-day business spending and actually get a welcome offer, it might be worth applying. Regardless, be sure to calculate the numbers ahead of time and make sure the card is right for you and your business.
Related: Do I need to go through a company to get a business credit card?
bottom line
this Chase Sapphire Commercial Reserve One of the top premium travel rewards business cards on the market.
If you’re a business owner looking to build inventory in one of the most valuable flexible currencies, the Chase Sapphire Business Reserve could be an excellent addition to your wallet. Practical travel benefits, valuable statement points, and 4 points per $1 spent on direct hotel and flight bookings make this card an exciting option for business owners who travel frequently.
If you do plan on applying, be sure to apply as soon as possible to qualify for the card’s generous welcome offer. You must apply by January 22nd at 9am ET.
To learn more, read our full Chase Sapphire Business Reserve review.
Apply here: Chase Sapphire Commercial Reserve
