Rumors have been circulating and now we have been confirmed.
Chase ultimately offers competitors to the business credit card heavyweight, such as Capital One Venture X Business and American Express’s Business PlatinumCard®. The new Chase Sapphire Reserve for Business℠, to be launched on June 23, 2025, attempts to redefine the business credit card scene by providing travel-related expenses and substantial benefits with travel-related allowances.
The card’s issuance is consistent with the re-uplift of Chase SapphireReserve® for capitalization in summer.
Let’s take a closer look at the card’s products and how Chase changes the landscape of the business card.
Clear at a glance
The annual fee for Chase Sapphire reserves is $795, which is $100 more than the $695 annual fee for Amex Business Platinum (see Fees and Fees).
Similar to other business credit cards, Sapphire Reserve’s commercial reserve provides employee cards at no additional cost. The card’s pinstripe pattern is fascinating, and according to Chase, the new metal card weighs up to 19.6 grams.
Regarding credit limits, there are two options for Sapphire Reserve’s business reserve:
- Cardholders can access high-payment payment limits.
- Cardholders can use FLEX for business, which credit limit allows payments over time.
The Flex choice for corporate credit lines is an excellent development because business owners need to be balanced occasionally, which gives them the flexibility to do so without damaging cash flow.
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Income rate
Here, Sapphire Reserve’s business reserves set themselves apart and lead the competition ahead. Cardholders receive final reward points at the following rates:
- Spend 8 points per dollar on a chase trip
- Spend 5 points per dollar on qualified Lyft rides (until September 30, 2027)
- 4 o’clock per dollar for flights and hotels booked directly
- 3 points per dollar spent on advertising purchased through social media sites and search engines
- Every dollar spent on all other purchases
This development solidifies the Sapphire Reserve as a real travel reward card for business owners.
Although there is a lack of bonus categories in other major business spending areas such as transportation, construction supplies, software or cloud storage services, the high yields of travel and the high yields of advertising revenue are enough to compensate it.
That’s because there is no spending limit for advertising spending, while other issuers and even the ink business Preferred® credit card (see Fees and Fees) spend a spending limit of $150,000 per year. For some business owners, this is an exciting benefit of business card sapphire reserves and perhaps the top reason to apply for the card.
These prices beat the Venture X Business and Amex Business Platinum, which makes the card a potential workhorse for many small businesses.
Business travel benefits
Focusing on premium travel, Sapphire Reserve provides editors with $500 a year in credit for Chase Travel.
Cardholders receive $250 in lenders from January to June and receive another $250 in credit from July to December each calendar year. To get credit, you must book a minimum prepaid stay for two nights.
The fan favorite $300 travel credit found on the personal sapphire reserve is also a benefit of the sapphire reserve, helping to offset the coveted $795-year expense.
Other travel allowances include:
Chase also added a new point redemption accelerator called Point Boost. This is a new way for cardholders to redeem 2 points with select airlines and booked hotels via Chase Travel. The card will also allow 1:1 transfers to participating airlines and hotel loyalty programs, allowing you to potentially earn more points value.
Business-related benefits
After carefully considering the value you get from your travel-related statement credit, the sapphire reserve can be more profitable, while an additional $700 statement credit helps offset the business expenses. These include:
- Ziprecruiter credit up to $400: Received a statement credit for purchases made directly with Ziprecruiter, divided into annual annual January-June $200, up to $200 from July to December.
- Google Workspace credit up to $200: Received a statement credit regarding purchases using Google Workspace’s AI business tools directly.
- Up to $100 gixcards.com credit: Earn up to $100 in a stated credit line (from January to June, from July to December) for a gift card purchase via giftcards.com/reservebusiness.
Other privileges
Businesses have various fees, and sapphire reserves offer some additional privileges to reduce the impact of their annual fees.
For beginners, cardholders receive up to $300 a year in Doordash benefits, including a 12-month DashPass membership (must be activated by December 31, 2027).
Once enrolled in Dashpass, cardholders receive up to $25 per month: $5 for restaurant promotions and two $10 for grocery, beauty, electronics and other purchases. Apply the promotion at checkout, unfortunately if not used, it will not be carried within a month.
As a business owner, if ride-hailing is part of your monthly expenses, you can take advantage of the $10 per month (up to $120 per year) Lyft In-App credits by September 30, 2027.
Once the sapphire reserves spend $120,000 in a calendar year, they will also receive a $500 credit line to be used in Chase’s new store, a marketplace that includes brands like Tumi, Baccarat, Baccarat, Breitling and Dyson.
Most importantly, as a Chase Visa Infinite card, business owners can rest assured that their travel is covered by some of the industry’s greatest travel protections, as well as purchase protection.
Related: Your Chase and Road Guide
Bottom line
Chase announced the heat of the business race in the summer of 2025. Although the card’s annual fee is $795, it reserves consumers with a $300 flexible travel credit we like and Win high interest rates on travel and beat competitors.
While the industry trend is to increase lifestyle privileges and statement points to offset high annual expenses, Chase does a great job in balancing sapphire reserves and is easy to use.
Since its debut, as a cardholder for Chase Sapphire Reserve, I think Chase has done it in partnership with the Sapphire Reserve and has provided money for other issuers. While this card may not be for everyone, especially given its emphasis on travel, it may be great for business owners who are also key points and mileage enthusiasts.
The card (hopefully a reliable welcome bonus) will be officially launched on June 23, 2025, so stay tuned for more details.
Related: Best Business Credit Cards
For rates and fees for Amex business platinum, click here.
