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Home Travels & Tours Chase Sapphire Reserve vs. Sapphire Reserve for Business: Which Reserve is right for you?

Chase Sapphire Reserve vs. Sapphire Reserve for Business: Which Reserve is right for you?

11 Mins read

Chase offers two flagship premium cards, one personal and one business.

Both the Chase Sapphire Reserve for Business℠ (see rates and fees) and Chase Sapphire Reserve® (see rates and fees) carry a whopping $795 annual fee and have various premium travel perks, useful statement credits and airport lounge access.

Let’s compare these two cards and see which is right for you.

Comparison of the Sapphire Reserve vs. Sapphire Reserve for Business

Card	Sapphire Reserve	Sapphire Reserve for Business
<strong>Welcome offer</strong>	Earn 125,000 bonus points after spending $6,000 on purchases in the first three months of account opening.	Earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.
<strong>Annual fee</strong>	$795	$795
<strong>Earning rates</strong>	<ul> <li>10 points per dollar spent on <a href=”https://thepointsguy.com/credit-cards/chase/get-peloton-credits-from-chase/” target=”_blank” rel=”noopener”>Peloton equipment and accessory purchases</a> of $150 or more (through Dec. 31, 2027), with a maximum of 50,000 points</li> <li>8 points per dollar spent on purchases made through <a href=”https://thepointsguy.com/credit-cards/ultimate-rewards-travel-portal/”>Chase Travel</a>℠, including hotel bookings through The Edit</li> <li>5 points per dollar spent on eligible <a href=”https://thepointsguy.com/news/chase-lyft-renewal/” target=”_blank” rel=”noopener”>Lyft rides</a> through Sept. 30, 2027</li> <li>4 points per dollar spent on flights and hotels booked directly</li> <li>3 points per dollar spent on <a href=”https://thepointsguy.com/credit-cards/dining/” target=”_blank” rel=”noopener”>dining</a> worldwide</li> <li>1 point per dollar spent on all other purchases</li> </ul>	<ul> <li>8 points per dollar spent on Chase Travel purchases</li> <li>5 points per dollar spent on eligible Lyft rides through Sept. 30, 2027</li> <li>4 points per dollar spent on flights and hotels booked directly</li> <li>3 points per dollar spent on advertising purchases made with social media sites and search engines</li> <li>1 point per dollar spent on all other purchases</li> </ul>
<b>Statement credits</b>	<ul> <li><strong>Travel</strong>: $300 annual travel credit and a Global Entry/TSA PreCheck/Nexus application fee credit (up to $120)</li> <li><strong>DoorDash</strong>: Complimentary DoorDash DashPass subscription worth $120 (activate by Dec. 31, 2027) and up to $300 annually in monthly DoorDash promos</li> <li><strong>Lyft</strong>: $10 monthly credit in-app (through Sept. 30, 2027)</li> <li><strong>Hotels</strong>: Up to $500 annual The Edit credit</li> <li><strong>Entertainment</strong>: Up to $300 annual StubHub and viagogo credit (activation required)</li> <li><strong>Dining</strong>: Up to $300 annual dining credit at OpenTable (cardholders receive primetime reservations at Sapphire Reserve Exclusive tables; no prepayment or payment through OpenTable is required)</li> <li><strong>Streaming</strong>: Up to $288 annually in complimentary Apple TV and Apple Music subscriptions (one-time activation per service through chase.com or Chase Mobile app required), as well as up to $120 Peloton credit (through Dec. 31, 2027; activation required</li> </ul>	<ul> <li><strong>Travel</strong>: $300 annual travel credit and a Global Entry/TSA PreCheck/Nexus application fee credit (up to $120)</li> <li><strong>DoorDash</strong>: Complimentary DoorDash DashPass subscription (activate by Dec. 31, 2027) and up to $300 annually in monthly DoorDash promos</li> <li><strong>Lyft</strong>: $10 monthly credit in-app (through Sept. 30, 2027)</li> <li><strong>Hotels</strong>: Up to $500 annual The Edit credit</li> <li><strong>Business</strong>: Up to $400 annual ZipRecruiter credit and up to $200 Google Workspace credit</li> </ul>

Sapphire Reserve vs. Reserve for Business welcome offer

With both cards having $795 annual fees, the first thing you might look at is their welcome offers. Both cards have industry-leading welcome offers that can provide thousands of dollars in value when redeemed for travel.

New applicants for the Sapphire Reserve can earn 125,000 bonus points after spending $6,000 on purchases in the first three months of account opening. Based on TPG’s January 2026 valuation of Chase Ultimate Rewards points at 2.05 cents each, this offer is worth $2,563.

Sapphire Reserve and Sapphire Reserve for Business card art — THE POINTS GUY

On the other hand, new Sapphire Reserve for Business applicants can earn 200,000 bonus points after spending $30,000 on purchases in the first six months after account opening. Based on TPG’s valuations, this offer is worth $4,100.

The welcome offer on the Sapphire Reserve is much more attainable, as the minimum spending requirement is much lower at $6,000 over three months. However, those with high business expenses can get more value from the Sapphire Reserve for Business’s larger points bonus.

Winner: Chase Sapphire Reserve for Business. Its welcome offer is worth almost double that of the Sapphire Reserve; however, it requires five times the minimum spending amount of the Sapphire Reserve.

Sapphire Reserve vs. Reserve for Business benefits

Both cards offer numerous benefits, including statement credits, lounge access and travel protections.

Here’s an overview of the benefits offered on both cards:

Benefit	Sapphire Reserve	Sapphire Reserve for Business
<strong>Annual statement credits and benefits</strong>	<ul> <li>$300 annual travel credit</li> <li>Up to $500 The Edit credit</li> <li>Up to $300 annual StubHub credit or Viagogo (activation required)</li> <li>Up to $300 annual dining credit at OpenTable (cardholders receive primetime reservations at Sapphire Reserve Exclusive tables; no prepayment or payment through OpenTable is required)</li> <li>Complimentary DoorDash DashPass subscription worth $120 (activate by Dec. 31, 2027), plus two promos of up to $10 off each calendar month at checkout on grocery, convenience or other non-restaurant orders and $5 off restaurant orders</li> <li>Up to $288 annually in complimentary Apple TV and Apple Music subscriptions (one-time activation per service through chase.com or Chase Mobile app required)</li> <li>Up to $120 annual in-app Lyft credits through Sept. 30, 2027 (up to $10 monthly; credit does not apply to Wait & Save, bike or scooter rides)</li> <li>Up to $120 <a href=”https://thepointsguy.com/travel/things-to-know-global-entry/”>Global Entry</a>, <a href=”https://thepointsguy.com/news/is-tsa-precheck-worth-it/”>TSA PreCheck</a> or <a href=”https://thepointsguy.com/travel/nexus/”>Nexus</a> application fee credit every four years</li> <li>Up to $120 Peloton credit (through Dec. 31, 2027)</li> </ul>	<ul> <li>$300 annual travel credit</li> <li>Up to $500 The Edit credit</li> <li>Up to $400 annual ZipRecruiter credit</li> <li>Up to $200 Google Workspace credit</li> <li>Up to $120 Global Entry, TSA PreCheck or Nexus application fee credit every four years</li> <li>$10 monthly Lyft credit in-app through Sept. 30, 2027 (does not apply to Wait & Save, bike or scooter rides)</li> <li>Complimentary DoorDash DashPass membership through Dec. 31, 2027, plus two promos of up to $10 off each calendar month at checkout on grocery, convenience or other non-restaurant orders and $5 off restaurant orders</li> </ul>
<strong>Lounge access</strong>	<ul> <li>Complimentary <a href=”https://thepointsguy.com/guide/all-about-priority-pass-program/” target=”_blank” rel=”noopener noreferrer”>Priority Pass Select membership</a></li> <li>Complimentary access for you and two guests to Chase Sapphire Lounge locations (authorized users can be added for $195 and receive lounge access)</li> <li>Complimentary access to 20 <a style=”font-family: inherit; font-size: inherit; background-color: #f5f5f7;” href=”https://thepointsguy.com/news/chase-sapphire-reserve-expands-lounge-access/” target=”_blank” rel=”noopener”>Air Canada Maple Leaf lounges</a><span style=”font-family: inherit; font-size: inherit;”> when traveling on a </span><a style=”font-family: inherit; font-size: inherit; background-color: #f5f5f7;” href=”https://thepointsguy.com/loyalty-programs/star-alliance-benefits/” target=”_blank” rel=”noopener”>Star Alliance airline</a><span style=”font-family: inherit; font-size: inherit;”> like United Airlines or Air Canada</span></li> </ul>	<ul> <li>Complimentary Priority Pass Select membership</li> <li>Complimentary access for you and two guests to Chase Sapphire Lounge locations</li> <li>Complimentary access to 20 Air Canada Maple Leaf lounges when traveling on a Star Alliance airline</li> </ul>
<strong>Travel protections</strong>	<ul> <li style=”text-align: left;”><a href=”https://thepointsguy.com/credit-cards/cards-rental-car-coverage/” target=”_blank” rel=”noopener”>Primary car rental insurance</a></li> <li style=”text-align: left;”><a href=”https://thepointsguy.com/credit-cards/which-credit-cards-cover-baggage-delays/” target=”_blank” rel=”noopener”>Baggage delay insurance</a></li> <li style=”text-align: left;”>Trip delay insurance</li> <li style=”text-align: left;”>Trip cancellation/interruption insurance</li> <li style=”text-align: left;”><a href=”https://thepointsguy.com/credit-cards/whats-covered-by-credit-card-travel-accident-and-emergency-evacuation-insurance/” target=”_blank” rel=”noopener”>Emergency medical</a> and dental benefits</li> </ul>	<ul> <li style=”text-align: left;”>Primary car rental insurance (when renting for business purposes)</li> <li style=”text-align: left;”>Baggage delay insurance</li> <li style=”text-align: left;”>Trip delay insurance</li> <li style=”text-align: left;”>Trip cancellation/interruption insurance</li> <li style=”text-align: left;”>Emergency medical and dental benefits</li> </ul>
<strong>Hotel perks</strong>	<ul> <li>Automatic <a href=”https://thepointsguy.com/loyalty-programs/what-is-ihg-elite-status-worth/”>IHG One Rewards Platinum Elite status</a> (through Dec. 31, 2027)</li> <li>Access to The Edit by Chase Travel (cardholders receive a $100 property credit and perks like complimentary breakfast when booking through The Edit)</li> </ul>	<ul> <li>Automatic IHG One Rewards Platinum Elite status (through Dec. 31, 2027)</li> <li>Access to The Edit by Chase Travel (cardholders receive a $100 property credit and perks like complimentary breakfast when booking through The Edit)</li> </ul>
<strong>Unlockable benefits</strong>	After spending $75,0000 or more in a year, you unlock: <ul> <li>(Coming in mid-2026) <a href=”https://thepointsguy.com/credit-cards/chase-hyatt-expand-benefits-sapphire-cardholders/”>Hyatt Explorist status</a></li> <li>IHG One Rewards Diamond Elite status</li> <li>Southwest Rapid Rewards A-List status</li> <li>$500 Southwest Airlines credit</li> <li>$250 The Shops at Chase credit</li> </ul> <p> </p>	After spending $120,000 or more in a year, you unlock: <ul> <li>(Coming in mid-2026) Hyatt Explorist status</li> <li>IHG One Rewards Diamond Elite status</li> <li>Southwest Rapid Rewards A-List status</li> <li>$500 Southwest Airlines credit</li> <li>$500 The Shops at Chase credit</li> </ul> <p> </p>

Most of the cards’ benefits, like the airport lounge access, the annual $300 travel credit and the travel protections if your travels go awry, overlap.

There are a few differences between the benefits the cards offer. The Sapphire Reserve has more lifestyle-focused benefits like dining, entertainment and streaming credits. In contrast, the Sapphire Reserve for Business credits are more catered toward business owners, with credits focused on hiring and productivity.

Additionally, you can unlock almost the same bonus benefits on the Sapphire Reserve with $45,000 less in spending.

Winner: Chase Sapphire Reserve. It offers slightly more statement credits that are easier to use for most consumers. However, the Chase Sapphire Reserve for Business can be excellent for small-business owners who already spend with ZipRecruiter and Google Workspace.

Earning points on the Sapphire Reserve vs. Sapphire Reserve for Business

Both cards earn ultra-valuable Chase Ultimate Rewards points in a variety of bonus categories.

With the Sapphire Reserve, you’ll earn:

10 points per dollar spent on Peloton equipment and accessory purchases of $150 or more (through Dec. 31, 2027), with a maximum of 50,000 points
8 points per dollar spent on purchases made through Chase Travel, including The Edit
5 points per dollar spent on Lyft rides through Sept. 30, 2027
4 points per dollar spent on flights and hotels booked directly
3 points per dollar spent on dining worldwide
1 point per dollar spent on all other purchases

person paying with a credit card — FG TRADE/GETTY IMAGES

Meanwhile, the Sapphire Reserve for Business earns:

8 points per dollar spent on Chase Travel purchases
5 points per dollar spent on eligible Lyft rides through Sept. 30, 2027
4 points per dollar spent on flights and hotels booked directly
3 points per dollar spent on advertising purchases made with social media sites and search engines
1 point per dollar spent on all other purchases

It’s important to note that there is no spending cap on the 3 points per dollar spent on advertising, unlike other Chase business cards, like the Ink Business Preferred® Credit Card (see rates and fees), which has a $150,000 spending cap.

Both cards have the same earning rates on Chase Travel purchases, as well as flights and hotels booked directly. The Sapphire Reserve offers bonus points on dining and Peloton purchases. However, business owners who spend heavily on online advertising will appreciate the unlimited bonus earnings available with the Sapphire Reserve for Business.

Winner: Tie. Both cards have similar earning rates with some key differences. Consider your daily spending to find the best fit for your budget.

Redeeming points on the Sapphire Reserve vs. Sapphire Reserve for Business

Both cards offer multiple ways to redeem your points, but the best value redemption is to transfer to one of Chase’s transfer partners.

You can redeem your points for cash back, gift cards, dining and experiences through the Ultimate Rewards portal. You can also take advantage of Chase’s Pay Yourself Back feature, where you can get higher value from your points to cover eligible purchases.

booking flights — OSCAR WONG/GETTY IMAGES

Additionally, Chase’s Points Boost feature allows cardholders to book travel directly through Chase Travel at a value of up to 2 cents per point, depending on the card and the specific redemption (see your rewards program agreement for full details). All non-Points Boost-eligible Chase Travel purchases can be redeemed at a rate of 1 cent per point.

Winner: Tie. Both cards offer the same redemption options and access to Chase’s Points Boost perk.

Transferring points on the Sapphire Reserve vs. Sapphire Reserve for Business

You can transfer Ultimate Rewards points to Chase’s extensive roster of 13 airline and hotel partners. Transferring points lets you get maximum value from them, and you can often exceed TPG’s valuation of 2.05 cents per point. These transfer partners are the same for both Sapphire Reserve cards.

Some popular partners include Air Canada Aeroplan, Air France-KLM Flying Blue, United MileagePlus and World of Hyatt.

Air Canada 787 Business Class. — BEN SMITHSON/THE POINTS GUY

Credit cards writer Augusta Stone enjoys booking Hyatt stays with her Chase points, since Hyatt has one of the most valuable award charts out there.

Winner: Tie. Both cards share the same transfer partners and rates.

Should I get the Sapphire Reserve or the Sapphire Reserve for Business?

If you aren’t a business owner and prefer earning bonus points on everyday spending categories like dining, you should opt for the Sapphire Reserve. Meanwhile, if you’re a business owner looking for premium benefits and bonus points on advertising, you should opt for the Sapphire Reserve for Business.

However, if you’re a business owner and torn between which card to get, you could get both cards and receive both welcome bonuses. If you decide to do this, ensure you time your applications so you have enough time to earn both bonuses.

Bottom line

The Sapphire Reserve provides numerous credits and benefits to give cardholders value. If you’re looking for an easy-to-use travel credit, lounge access and a plethora of other benefits, this option is right for you.

Meanwhile, the Sapphire Reserve for Business is Chase’s foray into the premium business card market. Its benefits and statement credits are catered to small-business owners who value premium travel benefits. There’s plenty of overlap, but it’s worth comparing the two to see which is the best fit for your wallet.

Apply here: Chase Sapphire Reserve

Apply here: Chase Sapphire Reserve for Business

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.