Sapphire Reserve Business

Key facts

• Annual fee$795
• RewardsPoints
• Everything else earns1x points
• Minimum credit score670

Earn rates

Through the issuer's travel portal

• 8x points on Travel (air), Travel (hotel), Travel (other)

At specific merchants

• 5x points at Lyft (Qualifying Lyft products and services bought in the Lyft app)
• 3x points at Social media and search engine advertising (From 11/15/2026, on the first $1,000,000 spent each account anniversary year, then 1x)

Signup bonus

200,000 points after $30,000 of spend in the first 6 months.

Credits and benefits

The credits the catalog models as fee offsets. Not a complete list of every perk.

• $300 a year — Travel purchases, each account anniversary year; qualifying purchases do not earn points
• $250 a year at Select Chase Travel hotels — Prepaid Pay Now stays of 2+ nights with IHG Hotels & Resorts, Montage, Pendry, Omni, Virgin, Minor and Pan Pacific; calendar year 2026 only; not available to employee cards
• $250 a year at The Edit by Chase Travel — Up to $250 per prepaid stay of 2+ nights, max $500 per calendar year; from 1/1/2027 an additional $500 (max $1,000 per calendar year); not available to employee cards
• $120 every 4 years — Global Entry, TSA PreCheck or NEXUS application fee
• $200 a year at Google Workspace — Purchases made directly with Google Workspace
• $200 twice a year at ZipRecruiter — Up to $200 January-June and $200 July-December ($400 per calendar year)
• $10 a month at Lyft — In-app ride credit on Standard, Extra Comfort, XL, Black or Black SUV rides
• $120 a year at DoorDash DashPass, activation required — At least 12 months of DashPass on DoorDash and Caviar; activate by 12/31/2027
• $5 a month at DoorDash, activation required — Requires an activated DashPass membership; one restaurant order per month
• $10 a month at DoorDash, activation required — Groceries, retail and other non-restaurant orders; each discount on a separate order
• $50 twice a year at giftcards.com/reservebusiness — Up to $50 January-June and $50 July-December ($100 per calendar year) on a curated gift card collection
• $500 a year at The Shops at Chase — Rest of the qualifying year and the following year; at most $1,000 available at one time
• $500 a year at Southwest Airlines via Chase Travel — Southwest purchases made on Chase Travel; at most $1,000 available at one time; qualifying purchases do not earn points