A guide to Sapphire Reserve for Business℠ credit card rewards

Quick insights

• The Sapphire Reserve for Business credit card offers accelerated reward earning potential on qualifying travel or digital ad purchases. 
• Cardmembers can earn points on all other purchases.
• Beyond rewards, cardmembers can receive travel credits, airport lounge access and additional benefits.

The Sapphire Reserve for Business credit card features a rewards program designed to fuel your business. With accelerated rewards on eligible travel and digital ad expenses, this business travel card could offset some common business costs. Plus, employee credit cards—complimentary with the account—also earn points, potentially multiplying these rewards.  

In this article, we’ve gathered some information that may help you decide if the Sapphire Reserve for Business rewards program matches your business’s spending habits. 

Earn rewards with Sapphire Reserve for Business

With the Sapphire Reserve Business credit card, cardmembers can earn points, including a baseline reward of 1 point per dollar spent on purchases and accelerated reward earning potential in a variety of spending categories. 

Plus, the credit card comes with flexible point redemption options, including transferring points to a travel partner (typically at a 1:1 ratio). 

Here are the Sapphire Reserve for Business spending categories:

Travel

Business travel cards usually give cardmembers the opportunity to earn rewards on common business travel expenses like airline tickets and hotel stays. Sapphire Reserve for Business provides some of the most generous rewards in this category: 

• Earn 8x points on purchases through Chase Travel℠ (including hotels booked through The Edit℠, airline tickets, car rentals, cruises, activities and tours).
• Earn 4x points when you book directly with an airline or hotel.

Digital Advertising

With its more targeted reach than traditional advertising, ads on social media sites and search engines can be a valuable tool for business owners. 

Sapphire Reserve for Business cardmembers who use these platforms can earn 3x points on digital advertising purchases made with social media sites and search engines.

Boost Sapphire Reserve for Business rewards with employee credit cards

Employee credit cards—issued to employees to make purchases on behalf of the business—can help streamline expense management. With Sapphire Reserve for Business, employee credit cards are complimentary, and purchases made with these cards earn points at the same rate as those made with the primary card.

Additionally, employee cardmembers have access to Chase Travel, allowing them to make their own travel arrangements through the portal while earning points in the process. 

More benefits of Sapphire Reserve for Business

In addition to rewards, the Sapphire Reserve for Business credit card provides a range of features to assist in business operations and make travel more comfortable. While the credit card has an annual fee, you may find that the benefits outweigh the cost. 

Here are some other perks offered by the credit card: 

• Earn a $300 travel credit and an additional credit for stays through The Edit.
• Receive credits for business tools like Google Workspace and ZipRecruiter. 
• Gain access to a network of airport lounges (only available to primary cardmember and two guests).
• Achieve elite status with select airline and hotel loyalty programs and earn more credits upon meeting annual spending requirements.
• Benefit from travel and purchase protections when using the card to make qualifying purchases.

Explore the rewards and benefits of the Sapphire Reserve for Business credit card. 

In summary

The Sapphire Reserve for Business credit card offers the following rewards: 

• 8x points on Chase Travel, including The Edit  
• 5x points on Lyft rides through 9/30/2027
• 4x points on flights and hotels booked direct 
• 3x points on social media and search engine advertising 
• 1x points on all other purchases 

Purchases made with employee credit cards also earn rewards at the same rates. Some additional perks include travel credits and airport lounge access. 

If the rewards and benefits of Sapphire Reserve for Business match your spending habits, you may want to consider applying for it.