Limited Time Offer: Earn A Whopping 200,000 Points On This New Premium Business Credit Card!

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Limited Time Offer: Earn A Whopping 200,000 Points On The Chase Sapphire Reserve For Business Card

Limited Time Signup Bonus

You can earn 200,000 Chase Ultimate Rewards points for opening a Chase Sapphire Reserve for Business Card and spending $20,000 in 3 months. Those points are worth a minimum of $2,000 cash back or up to $4,000 towards travel and other categories, but they can be worth much more as shown below.

This card has two distinct credit lines, a flexible pay-in-full line and a regular credit line that can be paid over time.

Want to improve your odds of approval and be eligible for additional signup bonuses? Read this post with helpful tips, such as applying with an LLC, and more!

Annual Fee

$795 for the primary card and $0 for additional users.

Signup Bonus Terms

1. You can apply for this card even if you have an open Sapphire card.
2. You may not be eligible for a bonus if you had this card previously, though applying with a different LLC or Tax ID number may be eligible.
3. You will be told during the application process if you are not eligible for a bonus, and you can cancel the application before your credit is pulled. This will be based on your history of opening and closing cards, spending on cards, etc. If you are not eligible, you can opt to receive the card without a signup bonus or cancel the application.

This is what the pop-up will look like if you apply but are ineligible for a bonus:

5/24

Some Chase cards are subject to 5/24 restrictions, meaning that you might not be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Enforcement of 5/24 has been patchy of late and the only way to know if you can get approved is by trying to apply.

Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card.

You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shown as being open in the past 24 months.

How to apply and improve your odds of approval for a business card:

This is a business card, but you may already have a business that needs a card to keep track of expenses.

Chase has been getting stricter about business card approvals. One major factor they’re looking at is whether you are using your existing Chase business cards regularly. Consider closing unused Chase business cards and shifting spending onto Chase business cards to help your approval odds for a new business card.

You should shift spending onto newly opened cards and continue spending on the new card even after earning the bonus, to show the bank in the future that you’re not just opening the card for the signup bonus.

You can apply as a Sole Proprietor, though Chase has been getting stricter on approvals for sole proprietors, so for the highest approval odds, you’ll want to apply as an LLC.

Don’t have an LLC or tax ID number? You can open an LLC through your state or leave it to a company like LegalZoom to take care of everything for you for no fee on top of state filing fees with a basic plan. You can apply for a tax ID number here.

Having a Chase consumer checking account helps your consumer card approval odds, and having a Chase business checking account helps your business card approval odds. If you’re declined, you can also ask a banker to send in a special reconsideration form on your behalf.

If you don’t have an LLC and don’t want to open one, you can still apply for this card. For example, if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures, you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.

If you have business paperwork you can apply under your business name. Otherwise, it’s critical to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork. You can then send in bills in your own name for verification.

If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each business’s expenses separately.

Business card perks:

Another benefit of the card not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally, it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On a business card from banks like AMEX and Chase, it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score.

Card Earnings

• 4 points per dollar on airfare and hotels
• 3 points per dollar on advertising purchases made with social media sites and search engines or Amazon, with no earnings cap.
• 8 points per dollar on everything booked through Chase Travel, including airfare, hotels, vacation homes, cruises, car rentals, activities, and tours.
• 5 points per dollar on Lyft spending through 9/30/27.
• 1 point per dollar elsewhere.
• There are no foreign transaction fees.

$300 Annual Travel Credit

Cardholders get $300 in annual refunds per cardmember year that post automatically whenever you charge something that is categorized as travel, which includes airfare, Airbnb, car rentals, cruises, hotels, Lyft, subways, taxis, tolls, trains, Uber, UberEats, etc. It’s pretty easy to spend $300 over the course of a year given the wide range of eligible categories.

Read more about this credit here.

The Edit Hotel Credit

Cardholders will receive a $250 Chase Hotels by The Edit credit on 2+ night hotel stays. This can be used up to twice annually, for a $500 annual value.

The Edit is a collection of hand-picked hotels and resorts around the world. When you book with your Sapphire Reserve, you will receive daily breakfast for 2, a $100 property credit, a room upgrade at check-in if available, early check-in/late check-out if available, and free Wifi.

You can stack this benefit with Points Boost and pay for a hotel partially with the credit and partially with points at an increased value.

This can stack with other credits on the same stay.

$250 Hotel Credit

In 2026, cardmembers get up to $250 in statement credits on prepaid 2+ night Chase Travel hotel bookings for IHG Hotels & Resorts, Montage Hotels & Resorts, Pendry Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Minor Hotels, and Pan Pacific Hotels and Resorts.

In addition to receiving the statement credit, these bookings are eligible to earn Ultimate Rewards points on spend above the $250 credit amount, plus the corresponding hotel loyalty program points for the entire purchase.

This can stack with other credits on the same stay, such as the $250 Edit credit and the $300 travel credit!

Google Workspace Credit

Cardholders will receive a $200 Google Workspace credit every calendar year, a $200 annual value.

GiftCards.com Credit

Cardholders will receive a $50 GiftCards.com credit for use via this link every January-June and every July-December, a $100 annual value.

Gift cards include Dave & Busters, DoorDash, Lululemon, Macys, Nordstrom, Wayfair, and more.

ZipRecruiter Credit

Cardholders will receive a $200 ZipRecruiter credit every January-June and every July-December, a $400 annual value.

Lyft Credit and Bonus Points

Cardholders receive $10 in monthly Lyft credits and 5 points per dollar on Lyft through 9/30/27. You can enroll here.

Doordash DashPass And Monthly Credit

Cardholders get free DoorDash DashPass to save money on deliveries, a $120 annual value. The membership is valid through 12/31/27 and you can enroll here.

Cardholders get $5 in monthly Doordash restaurant credit, a $60 annual value.

Cardholders get two $10 monthly Doordash non-restaurant credits, a $240 annual value.

DoorDash DashPass allows you to get free delivery and lower service fees on $12+ orders from select restaurants that have a blue checkmark. There are also lots of promotions and free food offers available to DashPass members.

Global Entry/PreCheck/Nexus Credit

It costs $85 to apply for a 5 year TSA Pre-Check membership which makes flying pleasant again. Shorter lines, no need to remove your shoes, belt, jacket, or hat. You can keep your laptop and small liquids inside your carry-on. And you go through a good old fashioned metal detector instead of assuming the position in the body scanner.  If you charge it on your card the fee will be refunded.

It costs $120 to apply for a 5 year Global Entry membership which lets you bypass the customs line. If you have Global Entry you also get TSA Pre-Check for free. If you charge it on your card the fee will be refunded. Kids can now apply for Global Entry for free with parents who are part of the program.

It costs $120 to apply for a 5 year NEXUS membership and it includes PreCheck and Global Entry. If you charge it on your card the fee will be refunded.

That’s a $120 value every 4 years.

You can read more more about the differences in this post.

My whole family has Global Entry and it sure makes traveling a whole lot easier!

IHG Platinum Elite Status

Cardholders will receive IHG Platinum elite status through 12/31/27.

That provides free internet, 50% bonus points, upgrades, a welcome amenity, late checkout, and more. Platinum members also receive a discount on award bookings during promo periods.

You must activate this benefit by linking your IHG One Rewards account on Chase.com or the Chase Mobile app.

Annual spend threshold benefits

You will earn these bonuses if you spend $120K in a calendar year on Sapphire Reserve:

• IHG One Rewards Diamond Elite Status, which earns 100% bonus points on stays, provides Hertz President’s Circle status, dedicated Diamond support, reward night discounts, upgrades, and more.
• Southwest Airlines® A-List Status, which comes with a free checked bag, preferred seats at booking, extra legroom seats 48 hours prior to departure, 25% bonus points, priority boarding, same-day standby, priority check-in and security, dedicated phone line, and more.
• $500 Southwest Airlines credit when booked through Chase Travel
• $500 credit to The Shops at Chase, a new online shopping experience designed exclusively for cardmembers allowing them to shop for brands including Dyson, Sony, Therabody and Tumi, with rotating promotions, using their ultimate rewards points or their card to pay.
• World of Hyatt Explorist Status, which comes with 20% bonus points, premium internet, bottled water, upgrades, guaranteed availability, 2pm late checkout, and more.

Spend Threshold

You’ll need to spend $30,000 on this card within 6 months.

You can pay your federal taxes for a 1.85% fee.

My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.

Card Benefits

Sapphire Reserve has a plethora of value benefits and protections:

• Free roadside assistance, including free battery boost, flat tire service, 2 gallons of fuel delivery, towing, or lockout assistance.
• Primary rental car insurance on business rentals in the US and on all rentals worldwide. This applies even for NY residents.
• Cell phone protection.
• $10K/item Purchase Protection for items damaged or stolen within 120 days.
• $10K/item Extended Warranty Protection
• $500/item Return Protection
• Lost luggage insurance of $3,000 per person per trip.
• Baggage delay reimbursement of $100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours.
• Trip delay reimbursement of $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 6 hours.
• Trip cancellation and trip interruption insurance of $10,000 per trip or $20,000 per trip with multiple travelers.
• $1,000,000 in travel accident insurance.
• $100,000 in emergency evacuation insurance when traveling more than 100 miles from home.
• Repatriation of Remains Insurance
• Emergency Medical and Dental Benefit while traveling

Increase Points Value Via Points Boost 

Cardholders receive a value of 1 cent per point on all travel and a value of 1.25-2.5 cents per point on select airlines and hotels through Chase Travel.

This can be a truly incredible value for some redemptions!

You can get a value for 2 cents per point for premium economy, business, and first class tickets on airlines like United, Air Canada, Aer Lingus, Emirates, Singapore, and more!

Personally, I have always received the most value by transferring points to airline or hotel points, but at a value of 2 cents per point, there are some very compelling redemptions!

It also means that if you earn 1.5 to 8 points per dollar on your spending and redeem at a value of 2 cents each, you’l be earning between 3%-16% back!

When searching in Chase Travel, you can filter the results by Points Boost hotels only.

For example, redeeming United to Israel in business class for 2 cents per point is an awesome deal:

2 cents per point value on Air Canada:

Hotels can also be a bargain at a value of 1.65, 2. or 2.5 cents per point. Those include The Edit collection of hotels and select other hotels. When you book The Edit hotels, you can also stack that with a $250 credit for 2+ night stays every January-June and July-December. You can split the redemption between cash and points to trigger the $250 credit and redeem points at 2 cents each!

You can split a Points Boost hotel from The Edit collection with points and cash to get a statement credit.

The SLS Playa Mujeres in Cancun is an all-inclusive hotel and offers an all-inclusive kosher program for $100 per person per day. It offers a value of 2 cents per point via The Edit. When you book via Chase Edit, that hotel comes with a $200 property credit, a welcome amenity, free WiFi, and early checkin, late checkout, and an upgrade if available.

Price Match Guarantee

If you make a hotel booking and find a lower rate on another site, you can submit a price match guarantee within 24 hours of booking.

You just have to take a screenshot of the competing site showing the URL along with the same hotel, dates, room type, a similar cancellation policy, and the same number of guests.

Best of all, this works on The Edit hotels, where you get a plethora of benefits, like a property credit, late checkout, upgrades, and more.

This is a real game-changer for getting the most value out of hotel bookings and credits on this card!

Cash Back

You can request a direct deposit or a statement credit for your points at a value of 1 cent each, though points are worth much more than that through mileage transfers, Points Boost, or Pay Yourself Back.

Airline And Hotel Transferability, Plus Hyatt Transfers At Full Value

If you or someone in your household has a Chase Sapphire Reserve you can transfer all of your Chase Ultimate Rewards points into valuable airline and hotel mileage currencies.

While the Hyatt transfer ratio is being downgraded to 1,000:750 on other cards, having a Reserve card will preserve 1:1 transfers for all Chase cards for everyone in your household.

Priority Pass Lounge Membership

Priority Pass lounge membership allows you to bring 2 guests with you into over 1,300 airport lounges.

Secondary cardholders of this card do not get their own Priority Pass membership.

Air Canada Lounge Access

Primary cardholders, as well as 1 guest, can visit Air Canada Maple Leaf Lounges for free when departing from the airport that day on a Star Alliance airline.

Additional guests will cost $59CAD for locations within Canada, $59USD for locations within the U.S., €59EUR for locations within the E.U., and £59GBP  for locations within the U.K.

At this time, Chase Sapphire Reserve cardmembers and their guests are not eligible for access to our Montreal (YUL) Maple Leaf Lounges.

Chase Sapphire Lounge Access

Chase Sapphire lounges are now open in Boston, Hong Kong, JFK, LaGuardia, Las Vegas, Philadelphia, Phoenix, San Diego, and Washington DC/IAD.

Hot kosher meals are now available in the Boston, LaGuardia, and Philadelphia Sapphire lounges.

Chase Sapphire lounges in Dallas,  Los Angeles, and more are coming soon.

Sapphire Reserve cardholders can access Sapphire lounges as often as they want via their Sapphire Reserve Priority Pass card with 2 guests at no charge. Additional guests cost $27 each and children under 2 are at no charge. Additional cardholders, which cost $195/year, can also access the Chase Sapphire lounges as often as they want via their Priority Pass card with 2 guests at no charge and the same price for additional guests.

I have visited the LaGuardia lounge several times, and it’s excellent!

It has everything from a kids lounge:

To an awesome arcade room, equipped with a jukebox, pinball, shuffleboard, and photobooth for complimentary use:

Grab a latte (parve milk substitute options are available), beer, or cocktail from the bar:

Or enjoy a complimentary facial:

Killer Combos

Stacking multiple Ultimate Rewards cards together can supercharge your earnings by getting you more points per dollar while increasing the value of all your points.

Read more about this strategy in depth in this post.

A Chase Bifecta would consist of a household that has the Sapphire Preferred or Sapphire Reserve for Business and the Ink Business Unlimited® Credit Card. The total effective annual fees would be either $95 with Sapphire Preferred or $495 with Sapphire Reserve for Business after accounting for that card’s $300 annual travel credit. With the Sapphire Reserve+Ink Unlimited you would earn 1.5 points per dollar everywhere, 3 points per dollar on advertising, 4 points per dollar on airfare and hotels, and 8 points per dollar on travel booked via Chase. You’ll be able to transfer all of your points into airline miles or hotel points.

If you earn 1.5-8 points per dollar and redeem them at a value of 2 cents each, that’s like earning between 3% and 16% back!

A Chase Trifecta adds a no annual fee card like the Ink Business Cash® Credit Card or Chase Freedom Flex into the mix, so your total effective annual fee will still be $95 or $495. Both of those cards give options to earn a whopping 5 points per dollar in various categories on top of the up to 8 points per dollar that the Sapphire cards offer and the 1.5-5 points per dollar everywhere else with a Freedom, Ink Cash, or Ink Unlimited card.

A Chase Quadfecta would add both the Ink Cash and Chase Freedom Flex on top of a Sapphire card and an Unlimited card, so your total effective annual fee will still be just $95 or $495. The Quadfecta is the sweet spot and allows you to really supercharge your spending everywhere.

A Chase Quinfecta could add the Ink Business Preferred® Credit Card to that mix, adding $95 to the annual fee total. This will help you earn 3x points on $150 in annual spend on all travel, shipping, internet, cable, phone, social media advertising, and search engine advertising, and it offers free cell phone insurance.

Again, all of these cards don’t need to be in one person’s name. 2 people from the same household can split up the requisite cards that make up the Quinfecta, as they can transfer the Ultimate Rewards points back and forth between themselves freely and they can add each other as an authorized user on their cards!

Airline Transfer Partners

You can transfer points at a 1:1 ratio to:

• United (Star Alliance)
• Air Canada Aeroplan (Star Alliance)
• Singapore (Star Alliance)
• Air France/KLM Flying Blue (Skyteam)
• British Airways (OneWorld)
• Aer Lingus (OneWorld)
• Iberia (OneWorld)
• Qatar (OneWorld, transfer via BA)
• Emirates
• JetBlue
• Southwest
• Virgin Atlantic

Hotel Transfer Partners

You can transfer points at a 1:1 ratio to:

• Hyatt
• IHG
• Marriott
• Wyndham
• You can also transfer points to Hilton at a 1:1.5 ratio via Virgin Atlantic

The great thing about Chase Ultimate Rewards is how versatile and valuable they are

The Ink Preferred Card and Sapphire Preferred cards allow you and anyone in your household to transfer Chase points into miles and earns a Points Boost redemption value up to 1.75 cents per point.

The Sapphire Reserve or Sapphire Reserve for Business also allows you and anyone in your household to transfer Chase points into miles and earns a Points Boost redemption value up to 2.5 cents per point.

The Points Boost value is excellent and can mean that a $500 hotel room will cost just 25K points or a $1,000 business class redemption will cost just 50K points. Or you can make your points potentially even more valuable by transferring them into airline miles or hotel points.

• If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, Paris, Sydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 25-40K points to Hyatt to do that, a value of up to 6 cents per point.
• If I need a one-way flight from Cleveland (or Chicago, Detroit, Miami, Montreal, Orlando, Pittsburgh, Toronto, etc) to NYC that can cost $500 each way, I can instantly transfer 9.5K points to Avios to book a short-haul on American with no last minute booking fees. Or if American doesn’t have availability I can instantly transfer 10K points to United for their short-haul award. That’s a value of up to 7 cents per point.
• Air Canada offers one-way short haul awards for just 6K miles. You can also get stopover awards for 5K miles, build round-the-world awards, and get free lap child awards in the US/Canada and bring lap children to anywhere else in the world for just C$25!
• United offers excellent award availability, especially to their cardholders, and awards can be changed or canceled for free.
• If I want to fly in a $30,000 ANA First Class Suite round-trip from the US to Tokyo, I can instantly transfer 145K-170K points to Virgin Atlantic. That’s a value of up to 21 cents per point. You can now redeem one-way awards for half the price as well!
• And thousands of other possibilities from Singapore couples suites to booking Southwest awards with 2 free bags and free cancellations, to stealing 2nd base in middle of an MLB game.

Dan’s quick thoughts:

This card has a very sweet signup bonus if you can manage the $30K in spending over 6 months.

The Sapphire Reserve consumer version of the card has more mainstream benefits like Apple TV+, Apple Music, Stubhub credit, Peloton credit, and Sapphire Tables credit that most people will likely prefer, though others may prefer the Google Workspace, GiftCards.com, and ZipRecruiter credit that the business card has.

If you spend on online advertising or Amazon ads, you’ll probably be fine with the Ink Business Preferred® Credit Card, which earns 3x points on up to $150K spending per year, though if you do a lot more advertising, the Sapphire Reserve for Business will gain the advantage as there’s no earnings cap!

I do wish there were more unique categories to make it potentially worth having the consumer and business Sapphire Reserve. As it stands now, it’s not particularly compelling to have both cards.

The points value you can receive via Points Boost is pretty sweet, though. It can be a real game changer if you can take advantage of redemptions at 2 cents each!

That means if you have an Ink Unlimited Card or Freedom Unlimited earning 1.5 points per dollar everywhere or Ink Cash Card earning up to 5 points per dollar and a Sapphire Reserve earning up to 8 points per dollar and redeem them at a value of 2 cents each, that’s like earning between 3% and 16% back everywhere!

Will you apply for a Chase Sapphire Reserve for Business Card?