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July 2026 Update: The current bonus is 200,000 Ultimate Rewards points, with $30,000 minimum spend required within the first six months.
The 200K Chase Sapphire Reserve for Business card, with a $795 annual fee, has launched, coinciding with the updated Chase Sapphire Reserve (see $795 Chase Sapphire Reserve Card: Worth It?) along with significant couponing akin to AMEX cards. The higher 200K signup bonus (the previous bonus was 150K Ultimate Rewards points) comes with an increased minimum spend to earn the bonus: $30,000 within the first 6 months of account opening, instead of the previous $20,000 spend within 3 months.
Assuming your business has ample spend, such that $30K over 6 months doesn't represent much opportunity cost in terms of other signup or category bonuses you could be earning, this could be a good deal, at least for the first year.
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Similar to the updated personal Chase Sapphire Reserve, the new Sapphire Reserve for Business comes with a $300 annual statement credit for travel (making the annual fee effectively $495) and earns 4X points on all flights and hotels booked direct, but unfortunately it lacks the 3X points on dining, which is a shame, given that business dinners for clients are often a key expense, at least in some industries. Instead, it earns 3X points per dollar spent on social media and search engine advertising.
Also similar to the personal Sapphire Reserve are a series of coupons with various vendors, many of which will be pretty useless to many businesses: a $200 ZipRecruiter hiring credit twice a year; $200 Google Workspace credit; and $50 gift card credit twice a year, in addition to potentially more useful $10 per month Lyft credit and other standard Reserve benefits such as access to Chase Sapphire Lounges, Priority Pass Select membership, the $120 Global Entry application fee every 4 years, and travel protection.
Since this is a wholly new product, everyone is eligible to earn the signup bonus. And a benefit of Chase business credit cards is that they don't appear on one's personal credit report, and aren't counted for purposes of Chase 5/24. Chase typically denies a new credit card if you've opened 5 or more cards with any bank over the past 24 months (not only with Chase), and this goes for new Chase business credit card applications. However, an application for a new Chase Sapphire Reserve for Business card would not add to one's application count, making it advantageous to apply for business cards before applying for any personal credit cards.
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