Chase Sapphire Reserve vs. Reserve for Business

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Chase provides two flagship premium playing cards, one private and one enterprise.

Each the Chase Sapphire Reserve for Business℠ (see rates and fees) and Chase Sapphire Reserve® (see rates and fees) carry a whopping $795 annual charge and have numerous premium journey perks, helpful assertion credit and airport lounge entry.

Let’s evaluate these two playing cards and see which is best for you.

Comparability of the Sapphire Reserve vs. Sapphire Reserve for Enterprise

Card	Sapphire Reserve	Sapphire Reserve for Enterprise
	Earn 125,000 bonus factors after spending $6,000 on purchases within the first three months of account opening.	Earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening.
	$795	$795
	10 factors per greenback spent on Peloton equipment and accessory purchases of $150 or extra (by Dec. 31, 2027), with a most of fifty,000 factors 8 factors per greenback spent on purchases made by Chase Travel℠, together with resort bookings by The Edit 5 factors per greenback spent on eligible Lyft rides by Sept. 30, 2027 4 factors per greenback spent on flights and lodges booked straight 3 factors per greenback spent on dining worldwide 1 level per greenback spent on all different purchases	8 factors per greenback spent on Chase Journey purchases 5 factors per greenback spent on eligible Lyft rides by Sept. 30, 2027 4 factors per greenback spent on flights and lodges booked straight 3 factors per greenback spent on promoting purchases made with social media websites and engines like google 1 level per greenback spent on all different purchases
	Journey: $300 annual journey credit score and a International Entry/TSA PreCheck/Nexus utility charge credit score (as much as $120) DoorDash: Complimentary DoorDash DashPass subscription price $120 (activate by Dec. 31, 2027) and as much as $300 yearly in month-to-month DoorDash promos Lyft: $10 month-to-month credit score in-app (by Sept. 30, 2027) Accommodations: As much as $500 annual The Edit credit score Leisure: As much as $300 annual StubHub and viagogo credit score (activation required) Eating: As much as $300 annual eating credit score at OpenTable (cardholders obtain primetime reservations at Sapphire Reserve Unique tables; no prepayment or cost by OpenTable is required) Streaming: As much as $288 yearly in complimentary Apple TV and Apple Music subscriptions (one-time activation per service by chase.com or Chase Cellular app required), in addition to as much as $120 Peloton credit score (by Dec. 31, 2027; activation required	Journey: $300 annual journey credit score and a International Entry/TSA PreCheck/Nexus utility charge credit score (as much as $120) DoorDash: Complimentary DoorDash DashPass subscription (activate by Dec. 31, 2027) and as much as $300 yearly in month-to-month DoorDash promos Lyft: $10 month-to-month credit score in-app (by Sept. 30, 2027) Accommodations: As much as $500 annual The Edit credit score Enterprise: As much as $400 annual ZipRecruiter credit score and as much as $200 Google Workspace credit score

Sapphire Reserve vs. Reserve for Enterprise welcome supply

With each playing cards having $795 annual charges, the very first thing you may take a look at is their welcome provides. Each playing cards have industry-leading welcome provides that may present hundreds of {dollars} in worth when redeemed for journey.

New candidates for the Sapphire Reserve can earn 125,000 bonus factors after spending $6,000 on purchases within the first three months of account opening. Primarily based on TPG’s January 2026 valuation of Chase Final Rewards factors at 2.05 cents every, this supply is price $2,563.

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

Then again, new Sapphire Reserve for Business candidates can earn 200,000 bonus factors after spending $30,000 on purchases within the first six months after account opening. Primarily based on TPG’s valuations, this supply is price $4,100.

The welcome supply on the Sapphire Reserve is far more attainable, because the minimal spending requirement is way decrease at $6,000 over three months. Nevertheless, these with excessive enterprise bills can get extra worth from the Sapphire Reserve for Enterprise’s bigger factors bonus.

Winner: Chase Sapphire Reserve for Enterprise. Its welcome supply is price nearly double that of the Sapphire Reserve; nonetheless, it requires 5 occasions the minimal spending quantity of the Sapphire Reserve.

Associated: The best credit card welcome bonuses of the month

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Sapphire Reserve vs. Reserve for Enterprise advantages

Each playing cards supply quite a few advantages, together with assertion credit, lounge entry and journey protections.

This is an summary of the advantages supplied on each playing cards:

Profit	Sapphire Reserve	Sapphire Reserve for Enterprise
Annual assertion credit and advantages	$300 annual journey credit score As much as $500 The Edit credit score As much as $300 annual StubHub credit score or Viagogo (activation required) As much as $300 annual eating credit score at OpenTable (cardholders obtain primetime reservations at Sapphire Reserve Unique tables; no prepayment or cost by OpenTable is required) Complimentary DoorDash DashPass subscription price $120 (activate by Dec. 31, 2027), plus two promos of as much as $10 off every calendar month at checkout on grocery, comfort or different non-restaurant orders and $5 off restaurant orders As much as $288 yearly in complimentary Apple TV and Apple Music subscriptions (one-time activation per service by chase.com or Chase Cellular app required) As much as $120 annual in-app Lyft credit by Sept. 30, 2027 (as much as $10 month-to-month; credit score doesn’t apply to Wait & Save, bike or scooter rides) As much as $120 Global Entry, TSA PreCheck or Nexus utility charge credit score each 4 years As much as $120 Peloton credit score (by Dec. 31, 2027)	$300 annual journey credit score As much as $500 The Edit credit score As much as $400 annual ZipRecruiter credit score As much as $200 Google Workspace credit score As much as $120 International Entry, TSA PreCheck or Nexus utility charge credit score each 4 years $10 month-to-month Lyft credit score in-app by Sept. 30, 2027 (doesn’t apply to Wait & Save, bike or scooter rides) Complimentary DoorDash DashPass membership by Dec. 31, 2027, plus two promos of as much as $10 off every calendar month at checkout on grocery, comfort or different non-restaurant orders and $5 off restaurant orders
		Complimentary Precedence Cross Choose membership Complimentary entry for you and two company to Chase Sapphire Lounge areas Complimentary entry to twenty Air Canada Maple Leaf lounges when touring on a Star Alliance airline
		Main automotive rental insurance coverage (when renting for enterprise functions) Baggage delay insurance coverage Journey delay insurance coverage Journey cancellation/interruption insurance coverage Emergency medical and dental advantages
	Automated IHG One Rewards Platinum Elite status (by Dec. 31, 2027) Entry to The Edit by Chase Journey (cardholders obtain a $100 property credit score and perks like complimentary breakfast when reserving by The Edit)	Automated IHG One Rewards Platinum Elite standing (by Dec. 31, 2027) Entry to The Edit by Chase Journey (cardholders obtain a $100 property credit score and perks like complimentary breakfast when reserving by The Edit)
	After spending $75,0000 or extra in a yr, you unlock: (Coming in mid-2026) Hyatt Explorist status IHG One Rewards Diamond Elite standing Southwest Speedy Rewards A-Listing standing $500 Southwest Airways credit score $250 The Retailers at Chase credit score	After spending $120,000 or extra in a yr, you unlock: (Coming in mid-2026) Hyatt Explorist standing IHG One Rewards Diamond Elite standing Southwest Speedy Rewards A-Listing standing $500 Southwest Airways credit score $500 The Retailers at Chase credit score

Many of the playing cards’ advantages, just like the airport lounge entry, the annual $300 journey credit score and the journey protections in case your travels go awry, overlap.

There are a number of variations between the advantages the playing cards supply. The Sapphire Reserve has extra lifestyle-focused advantages like eating, leisure and streaming credit. In distinction, the Sapphire Reserve for Enterprise credit are extra catered towards enterprise homeowners, with credit targeted on hiring and productiveness.

Moreover, you possibly can unlock nearly the identical bonus advantages on the Sapphire Reserve with $45,000 much less in spending.

Winner: Chase Sapphire Reserve. It provides barely extra assertion credit which might be simpler to make use of for many shoppers. Nevertheless, the Chase Sapphire Reserve for Enterprise might be wonderful for small-business homeowners who already spend with ZipRecruiter and Google Workspace.

Associated: The best premium credit cards: A side-by-side comparison

Incomes factors on the Sapphire Reserve vs. Sapphire Reserve for Enterprise

Each playing cards earn ultra-valuable Chase Ultimate Rewards factors in quite a lot of bonus classes.

With the Sapphire Reserve, you may earn:

10 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (by Dec. 31, 2027), with a most of fifty,000 factors
8 factors per greenback spent on purchases made by Chase Journey, together with The Edit
5 factors per greenback spent on Lyft rides by Sept. 30, 2027
4 factors per greenback spent on flights and lodges booked straight
3 factors per greenback spent on eating worldwide
1 level per greenback spent on all different purchases

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

In the meantime, the Sapphire Reserve for Enterprise earns:

8 factors per greenback spent on Chase Journey purchases
5 factors per greenback spent on eligible Lyft rides by Sept. 30, 2027
4 factors per greenback spent on flights and lodges booked straight
3 factors per greenback spent on promoting purchases made with social media websites and engines like google
1 level per greenback spent on all different purchases

It is vital to notice that there isn’t a spending cap on the three factors per greenback spent on promoting, in contrast to different Chase enterprise playing cards, just like the Ink Business Preferred® Credit Card (see rates and fees), which has a $150,000 spending cap.

Each playing cards have the identical incomes charges on Chase Journey purchases, in addition to flights and lodges booked straight. The Sapphire Reserve provides bonus factors on eating and Peloton purchases. Nevertheless, enterprise homeowners who spend closely on internet advertising will recognize the limitless bonus earnings accessible with the Sapphire Reserve for Enterprise.

Winner: Tie. Each playing cards have comparable incomes charges with some key variations. Think about your every day spending to search out the perfect match to your price range.

Associated: Is the Chase Sapphire Reserve worth the annual fee?

Redeeming factors on the Sapphire Reserve vs. Sapphire Reserve for Enterprise

Each playing cards supply a number of methods to redeem your factors, however the perfect worth redemption is to switch to one in every of Chase’s transfer partners.

You possibly can redeem your factors for money again, reward playing cards, eating and experiences by the Final Rewards portal. You may also make the most of Chase’s Pay Yourself Back function, the place you may get increased worth out of your factors to cowl eligible purchases.

booking flights — OSCAR WONG/GETTY IMAGES

Moreover, Chase’s Factors Enhance function permits cardholders to ebook journey straight by Chase Journey at a price of as much as 2 cents per level, relying on the cardboard and the precise redemption (see your rewards program settlement for full particulars). All non-Factors Enhance-eligible Chase Journey purchases might be redeemed at a charge of 1 cent per level.

Winner: Tie. Each playing cards supply the identical redemption choices and entry to Chase’s Factors Enhance perk.

Transferring factors on the Sapphire Reserve vs. Sapphire Reserve for Enterprise

You possibly can switch Final Rewards factors to Chase’s in depth roster of 13 airline and resort companions. Transferring factors permits you to get most worth from them, and you’ll usually exceed TPG’s valuation of two.05 cents per level. These switch companions are the identical for each Sapphire Reserve playing cards.

Some standard companions embrace Air Canada Aeroplan, Air France-KLM Flying Blue, United MileagePlus and World of Hyatt.

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

Bank cards author Augusta Stone enjoys reserving Hyatt stays together with her Chase factors, since Hyatt has probably the most priceless award charts on the market.

Winner: Tie. Each playing cards share the identical switch companions and charges.

Associated: How to redeem Chase Ultimate Rewards points for maximum value

Ought to I get the Sapphire Reserve or the Sapphire Reserve for Enterprise?

In the event you aren’t a enterprise proprietor and like incomes bonus factors on on a regular basis spending classes like eating, it is best to go for the Sapphire Reserve. In the meantime, in case you’re a enterprise proprietor in search of premium advantages and bonus factors on promoting, it is best to go for the Sapphire Reserve for Enterprise.

Nevertheless, in case you’re a enterprise proprietor and torn between which card to get, you could possibly get each playing cards and obtain each welcome bonuses. In the event you resolve to do that, make sure you time your functions so you’ve sufficient time to earn each bonuses.

Backside line

The Sapphire Reserve supplies quite a few credit and advantages to present cardholders worth. In the event you’re in search of an easy-to-use journey credit score, lounge entry and a plethora of different advantages, this feature is best for you.

In the meantime, the Sapphire Reserve for Enterprise is Chase’s foray into the premium enterprise card market. Its advantages and assertion credit are catered to small-business homeowners who worth premium journey advantages. There’s loads of overlap, however it’s price evaluating the 2 to see which is the perfect match to your pockets.

Apply right here: Chase Sapphire Reserve

Apply right here: Chase Sapphire Reserve for Business

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