Employee cards with Chase Sapphire Reserve for Business℠
Quick insights
- The Chase Sapphire Reserve for Business credit card offers complimentary employee credit cards.
- Employee cards allow authorized users to make purchases on behalf of your business.
- The Chase Sapphire Reserve for Business card has an annual fee.
If you’re considering the Chase Sapphire Reserve for Business credit card, you may be wondering about employee card options, fees and the benefits of issuing additional cards to team members.
This guide provides information on Sapphire Reserve for Business employee cards, including their costs and benefits.
Employee cards with Chase Sapphire Reserve for Business
The Chase Sapphire Reserve for Business credit card allows the primary cardmember to add employee cards to their account. These cards are extensions of the primary account, meaning all charges appear on the same statement, with detailed breakdowns for each additional cardmember.
Employee credit cards can help business owners delegate purchasing power while maintaining visibility and control over company expenses. The primary cardmember can set individual spending limits for employees and receive itemized transaction records, potentially making it easier to monitor spending and spot suspicious charges.
Fees for employee cards
The Chase Sapphire Reserve for Business offers complimentary employee credit cards. While this card has an annual fee, additional cards do not incur additional fees as they are a part of the main account. The primary cardmember can request up to 99 employee cards.
Of note, there are differences between the benefits that primary cardmembers and employee cards can access. Not all perks and benefits of the card will extend to employee cards. For example, while protections like Auto Rental Coverage and Extended Warranty Protection are available to employees, other perks like airport lounge access are only available to the primary cardmember.
Read about Sapphire Reserve for Business benefits for more information.
How business employee cards may benefit your company
Adding employee cards to your Chase Sapphire Reserve for Business account may provide several advantages to both employees and the primary cardmember, including:
- Streamline expense tracking: All purchases from employee cards appear on the primary account statement, which could make it simpler for the primary cardmember to categorize and track business spending.
- Accumulate additional rewards: Purchases made with employee cards earn Chase Ultimate Rewards® points at the same rate as the primary cardmember. Purchases with employee cards are credited to the main account, helping the primary cardmember earn points they can redeem for cash back, travel or other rewards.
- Simplify reimbursements: With itemized statements, the primary card member may be able to reduce or eliminate the need for manual expense reports and reimbursement processes.
- Use spending controls: Primary cardmembers can set individual limits for each employee card to help manage budgets and prevent overspending.
- Spot suspicious activity: From the account, you can monitor all transactions to detect unauthorized or suspicious charges and take action if needed.
- Improve cash flow management: Centralized reporting may help the primary cardmember analyze spending patterns and make informed decisions about their budget and expenses.
How to request a Chase Sapphire Reserve for Business employee card
To add employee credit cards to their account, the primary cardmember can log in through Chase.com or sign into the Chase Mobile® app.
Once logged in, cardmembers should be able to click an option to “Add Employee Card.” Once authorized users are added to the account, the primary cardmember can manage them within the account dashboard. This dashboard also allows cardmembers to lock, freeze or cancel employee cards.
Tips for managing employee card usage responsibly
Below are some ways to help manage employee credit card usage:
- Establishing guidelines: Communicating approved and prohibited uses for employee cards to all employee cardmembers may help them understand how to best follow company guidelines for employee card usage.
- Monitoring transactions regularly: Reviewing account activity frequently can help you spot any unusual or suspicious charges.
- Setting and updating spending limits as needed: You may want to consider how and when you want to adjust individual spending limits based on role changes or evolving business needs.
- Revoking cards promptly: If an employee leaves the company or changes roles, removing their access to the business employee card immediately is a common practice intended to help reduce the risk of unauthorized usage.
- Leveraging account tools: Sapphire Reserve for Business cards include features like expense tracking and alert features to help business owners stay informed about account activity.
In summary
The Chase Sapphire Reserve for Business card offers the ability to add employee cards, giving you some flexibility and control over company spending. By leveraging employee cards, business owners may simplify expense management, accelerate rewards earning and gain greater oversight of business purchases. While employee cards are complimentary, the Sapphire Reserve for Business card has an annual fee.
