Is the Sapphire Reserve for Business worth $795?
Rewards: 8x Chase Travel · 5x Lyft (thru 9/30/27) · 4x flights & hotels direct · 3x social & search ads · 1x everything else
Nothing arrives on its own · up to $1,780 if you claim it
Rewards: 8x Chase Travel · 5x Lyft (thru 9/30/27) · 4x flights & hotels direct · 3x social & search ads · 1x everything else
Tell us what you actually use. We'll show you what this card is worth to you.
- No Bank Login
- No Card Number
- Issuer-Sourced Values
- Independent Verdicts
Automatic
Arrives on its own — counted with no selection.
0 credits
Yours if you use it
Available only if you use it. Select the amount you realistically expect to capture.
7 credits
Perks you value
Requires spending or qualifying activity. Include only what you realistically expect to earn.
17 credits
The credits that decide your verdict
The Edit by Chase Travel
$500$250 maximum per transaction, $500 maximum per calendar year; pre-paid Pay Now stays of 2+ nights; periods end 11:59 PM ET on the last day; employees not eligible.
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official termsZipRecruiter
$400$200 Jan 1-Jun 30 and $200 Jul 1-Dec 31 ($400/yr); direct purchases at ziprecruiter.com; employees count.
Semi-annual resetUse it or lose itNext reset: January 1, 2027
Verified Sep 2026View official termsAnnual Travel Credit
$300$300 per ANNIVERSARY year, not calendar year - "the year beginning with your account open date through the first statement date after your account open date anniversary". Only credit on this card with an anniversary clock. Spend absorbed by the credit earns no points.
Annual resetResets on your own card year — a date only you know.
Verified Sep 2026View official termsSelect Chase Travel Hotels
$250$250 in calendar year 2026 only; pre-paid "Pay Now" stays of 2+ nights at IHG, Montage, Pendry, Omni, Virgin, Minor, Pan Pacific; employees/authorized users NOT eligible; no language extends it to 2027.
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official terms
Where to use your credits
Don't have the Sapphire Reserve for Business yet?
- Nothing here arrives on its own — every dollar is one you claim. Claim every credit and it gives back $1,780 a year.
- 8x Chase Travel · 5x Lyft (thru 9/30/27) · 4x flights & hotels direct · 3x social & search ads · 1x everything else
This is Chase’s own page. We are not paid for it, and your verdict does not move either way.
Tell Us What You Actually Use
Adjust each credit to reflect your real usage. Your verdict updates as you go.
These numbers assume “I use about half” — assumes you capture half of each recurring credit. That is our guess about you, not a number the issuer published. The credit amounts are the issuer’s.
Quick set — start here, then adjust each credit
Automatic
Arrives on its own — counted with no selection.
+$0
Automatic
Arrives on its own — counted with no selection.
- Nothing here arrives on its own — every dollar is one you claim. Claim every credit and it gives back $1,780 a year.
Yours if you use it
Available only if you use it. Select the amount you realistically expect to capture.
up to $1,780
Yours if you use it
Available only if you use it. Select the amount you realistically expect to capture.
- Quick set
The Edit by Chase Travel
$250 / $50050%$250 maximum per transaction, $500 maximum per calendar year; pre-paid Pay Now stays of 2+ nights; periods end 11:59 PM ET on the last day; employees not eligible.
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official termsZipRecruiter
$200 / $40050%$200 Jan 1-Jun 30 and $200 Jul 1-Dec 31 ($400/yr); direct purchases at ziprecruiter.com; employees count.
Semi-annual resetUse it or lose itNext reset: January 1, 2027
Verified Sep 2026View official termsAnnual Travel Credit
$150 / $30050%$300 per ANNIVERSARY year, not calendar year - "the year beginning with your account open date through the first statement date after your account open date anniversary". Only credit on this card with an anniversary clock. Spend absorbed by the credit earns no points.
Annual resetResets on your own card year — a date only you know.
Verified Sep 2026View official termsSelect Chase Travel Hotels
$125 / $25050%$250 in calendar year 2026 only; pre-paid "Pay Now" stays of 2+ nights at IHG, Montage, Pendry, Omni, Virgin, Minor, Pan Pacific; employees/authorized users NOT eligible; no language extends it to 2027.
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official termsGoogle Workspace
$100 / $20050%$200 per calendar year, SINGLE annual bucket (no half-year split, unlike ZipRecruiter and the gift card credit); direct with Google Workspace only, third-party vendors excluded; employees count.
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official termsCurated Gift Card Credit
$50 / $10050%$50 Jan 1-Jun 30 and $50 Jul 1-Dec 31 ($100/yr); direct at giftcards.com/reservebusiness; employees count; the sunset falls mid-half-year so the final bucket is truncated.
Semi-annual resetUse it or lose itNext reset: January 1, 2027
Verified Sep 2026View official termsGlobal Entry / TSA PreCheck
$15 / $3050%One statement credit up to $120 every four years, Global Entry or TSA PreCheck or NEXUS; the four-year clock anchor is NOT defined in the Business terms; only purchases direct with DHS or an authorized enrollment provider qualify.
Multi-year resetWe have not confirmed the reset date with the issuer.
Verified Sep 2026View official terms
Perks you value
Requires spending or qualifying activity. Include only what you realistically expect to earn.
up to $1,420
Perks you value
Requires spending or qualifying activity. Include only what you realistically expect to earn.
- Quick set
Southwest $500 Chase Travel Credit
$0 / $500$max $500Same $120,000 gate; Southwest purchases on Chase Travel; expires at the end of the following calendar year; up to $1,000 if consecutive.
Requires $120,000 qualifying spend to unlock
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official termsShops at Chase Credit
$0 / $500$max $500Unlocked by $120,000 calendar-year spend; $500 for the remainder of the qualifying year through the following calendar year; up to $1,000 available at once if you qualify in consecutive years.
Requires $120,000 qualifying spend to unlock
Annual resetNext reset: January 1, 2027
Verified Sep 2026View official termsDoorDash Promos
$0 / $300$max $300One $5 restaurant discount plus two $10 non-restaurant discounts each calendar month, applied at checkout - NOT statement credits; no rollover; requires an active DashPass membership enrolled with this card.
Monthly resetUse it or lose itNext reset: November 1, 2026
Verified Sep 2026View official termsLyft Credit
$0 / $120$max $120$10 in-app Lyft credit each calendar month, NOT a statement credit; unused credits forfeit at month end; one per card ACCOUNT, for whoever adds the card to Lyft first; PayPal and digital wallets excluded.
Monthly resetNext reset: November 1, 2026
Verified Sep 2026View official termsCar Rental Elite Status
$0 / your call$you assignVisa Infinite car rental privileges with Avis, National and Hertz: discounts off base rates at participating locations and a complimentary National Emerald Club Executive membership.
Always onVerified Sep 2026View official termsVisa Infinite Concierge
$0 / your call$you assign24/7; cardmembers pay for any goods or services purchased.
Always onVerified Sep 2026View official termsNo foreign transaction fees
$0 / your call$you assignAnnual resetWe have not confirmed the reset date with the issuer.
Verified Sep 2026View official termsPoints Boost (up to 2x)
$0 / your call$you assignPoint value is $0.01 base through Chase Travel; Points Boost can raise select flights and hotels to up to 2x; offers are promotional and refresh periodically. The "$4,000 value" for the 200,000-point bonus assumes a 2x Boost; base value is $2,000.
Annual resetPortal requiredWe have not confirmed the reset date with the issuer.
Verified Sep 2026View official termsSouthwest A-List Status
$0 / your call$you assignRequires $120,000 in purchases on the card in a calendar year (authorizing officer). Link Rapid Rewards on Chase.com; name must match; allow 10-15 business days.
Requires $120,000 qualifying spend to unlock
Annual resetEnrollment requiredNext reset: January 1, 2027
Verified Sep 2026View official termsAir Canada Maple Leaf Lounge
$0 / your call$you assignAuthorizing officer plus 1 guest at Maple Leaf Lounges and Air Canada Cafes when departing on a Star Alliance flight; Signature Suites and all Montreal (YUL) lounges excluded; about $59 per additional guest; employees NOT eligible.
Always onVerified Sep 2026View official termsPriority Pass
$0 / your call$you assignPriority Pass Select membership. Authorizing officer only plus 2 guests, $27 per additional guest per visit; employees NOT eligible; physical card or digital Priority Pass card required, digital wallet not accepted.
Always onVerified Sep 2026View official termsSapphire Lounge access
$0 / your call$you assignAuthorizing officer only; employees NOT eligible; the "$850+ value" figure is a marketing valuation assuming four $100 day passes plus a $469 Priority Pass valuation, not a credit.
Always onVerified Sep 2026View official termsIHG One Rewards Platinum Elite Status
$0 / your call$you assignNO spend requirement; link IHG One Rewards on Chase.com; not granted retroactively; NOT available to employee cardmembers.
Always onEnrollment requiredVerified Sep 2026View official termsHyatt Explorist Status ($120k spend)
$0 / your call$you assignLink World of Hyatt in the Chase app; valid for the remainder of the qualifying year, the following year, and through February of the year after; allow up to 3 weeks.
Requires $120,000 qualifying spend to unlock
Annual resetEnrollment requiredNext reset: January 1, 2027
Verified Sep 2026View official termsDashPass Membership
$0 / your call$you assignAt least 12 months complimentary; the membership period for all users on the account begins when the first user activates.
Annual resetEnrollment requiredWe have not confirmed the reset date with the issuer.
Verified Sep 2026View official termsEmployee Cards (no additional fee)
$0 / your call$you assignNo employee card fee in Pricing & Terms; employee spend counts toward the Google Workspace, ZipRecruiter and gift-card credits, but employees are NOT eligible for Sapphire Lounge, Priority Pass, Air Canada lounges, IHG Platinum status, the $250 select-hotel credit, or The Edit benefits.
Annual resetWe have not confirmed the reset date with the issuer.
Verified Sep 2026View official termsIHG One Rewards Diamond Elite Status
$0 / your call$you assign$120,000 gate; auto-activates if Platinum Elite is already linked.
Requires $120,000 qualifying spend to unlock
Annual resetEnrollment requiredNext reset: January 1, 2027
Verified Sep 2026View official terms
Move any slider to make this verdict yours — then you can share it.
Where your $1,780 lives.
7 of 7 capturable creditsEvery credit on this card is tied to a place. Here is each one, what it is worth, the strings — and one tap to go use it. Only count the ones you would actually use.
No card issuer pays us. Some merchant links may earn a commission. Your verdict never depends on it. Paid links are marked Partner link. Order is by value, never by commission.
The Edit by Chase Travel
hotel
Counts toward: up to $500/year
Frequency: Annual
$250 maximum per transaction, $500 maximum per calendar year; pre-paid Pay Now stays of 2+ nights; periods end 11:59 PM ET on the last day; employees not eligible.
ZipRecruiter
other
Counts toward: up to $400/year
Frequency: Semiannual
$200 Jan 1-Jun 30 and $200 Jul 1-Dec 31 ($400/yr); direct purchases at ziprecruiter.com; employees count.
Annual Travel Credit
travel
Counts toward: up to $300/year
Frequency: Annual
$300 per ANNIVERSARY year, not calendar year - "the year beginning with your account open date through the first statement date after your account open date anniversary". Only credit on this card with an anniversary clock. Spend absorbed by the credit earns no points.
Select Chase Travel Hotels
hotel
Counts toward: up to $250/year
Frequency: Annual
$250 in calendar year 2026 only; pre-paid "Pay Now" stays of 2+ nights at IHG, Montage, Pendry, Omni, Virgin, Minor, Pan Pacific; employees/authorized users NOT eligible; no language extends it to 2027.
Google Workspace
other
Counts toward: up to $200/year
Frequency: Annual
$200 per calendar year, SINGLE annual bucket (no half-year split, unlike ZipRecruiter and the gift card credit); direct with Google Workspace only, third-party vendors excluded; employees count.
Curated Gift Card Credit
shopping
Counts toward: up to $100/year
Frequency: Semiannual
$50 Jan 1-Jun 30 and $50 Jul 1-Dec 31 ($100/yr); direct at giftcards.com/reservebusiness; employees count; the sunset falls mid-half-year so the final bucket is truncated.
Global Entry / TSA PreCheck
global entry
Counts toward: up to $30/year
Frequency: One-time
One statement credit up to $120 every four years, Global Entry or TSA PreCheck or NEXUS; the four-year clock anchor is NOT defined in the Business terms; only purchases direct with DHS or an authorized enrollment provider qualify.
Don't have the Sapphire Reserve for Business yet?
- Nothing here arrives on its own — every dollar is one you claim. Claim every credit and it gives back $1,780 a year.
- 8x Chase Travel · 5x Lyft (thru 9/30/27) · 4x flights & hotels direct · 3x social & search ads · 1x everything else
This is Chase’s own page. We are not paid for it, and your verdict does not move either way.
Real perks. No fake price tags.
Lounges, status and insurance can matter a lot. But the issuer puts no fixed dollar amount on them, so we show them here — and leave them out of your verdict.
Lounges
· 3Air Canada Maple Leaf Lounge
$0Authorizing officer plus 1 guest at Maple Leaf Lounges and Air Canada Cafes when departing on a Star Alliance flight; Signature Suites and all Montreal (YUL) lounges excluded; about $59 per additional guest; employees NOT eligible.
Always onVerified Sep 2026Official termsPriority Pass
$0Priority Pass Select membership. Authorizing officer only plus 2 guests, $27 per additional guest per visit; employees NOT eligible; physical card or digital Priority Pass card required, digital wallet not accepted.
Always onVerified Sep 2026Official termsSapphire Lounge access
$0Authorizing officer only; employees NOT eligible; the "$850+ value" figure is a marketing valuation assuming four $100 day passes plus a $469 Priority Pass valuation, not a credit.
Always onVerified Sep 2026Official terms
Status
· 5Car Rental Elite Status
$0Visa Infinite car rental privileges with Avis, National and Hertz: discounts off base rates at participating locations and a complimentary National Emerald Club Executive membership.
Always onVerified Sep 2026Official termsSouthwest A-List Status
$0Requires $120,000 in purchases on the card in a calendar year (authorizing officer). Link Rapid Rewards on Chase.com; name must match; allow 10-15 business days.
Enroll firstAnnual resetVerified Sep 2026Official termsIHG One Rewards Platinum Elite Status
$0NO spend requirement; link IHG One Rewards on Chase.com; not granted retroactively; NOT available to employee cardmembers.
Enroll firstAlways onVerified Sep 2026Official termsHyatt Explorist Status ($120k spend)
$0World of Hyatt Explorist status, unlocked by a $120,000 spend year.
Enroll firstAnnual resetVerified Sep 2026Official termsIHG One Rewards Diamond Elite Status
$0$120,000 gate; auto-activates if Platinum Elite is already linked.
Enroll firstAnnual resetVerified Sep 2026Official terms
Services
· 1Visa Infinite Concierge
$024/7; cardmembers pay for any goods or services purchased.
Always onVerified Sep 2026Official terms
Other perks
· 4No foreign transaction fees
$0Annual resetVerified Sep 2026Official termsPoints Boost (up to 2x)
$0Promotional Points Boost redemption rates through Chase Travel.
Annual resetVerified Sep 2026Official termsDashPass Membership
$0At least 12 months complimentary; the membership period for all users on the account begins when the first user activates.
Enroll firstAnnual resetVerified Sep 2026Official termsEmployee Cards (no additional fee)
$0Employee cards at no additional fee, with a narrower benefit set.
Annual resetVerified Sep 2026Official terms
These perks add zero to your calculated value. Coverage limits and eligibility vary by card; always confirm with the issuer.
Frequently asked questions
Plain-language answers, with live numbers from this card.
Value & break-even
Is the Sapphire Reserve for Business worth the annual fee?
Whether Sapphire Reserve for Business is worth its $795 annual fee depends on which credits you actually use. Nothing on this card arrives on its own, so your WTF Check counts only the credits you say you use. The Maximum Credit Value is $1,780/year — your value may be much lower, and that is what the WTF Check calculates. A further $1,420/year has to be earned — qualifying spend or qualifying activity — so we don't count it. Run the WTF Check above for your verdict.
How much value do I need to use to break even on the Sapphire Reserve for Business?
You need to capture at least $795 in credits each year to break even. Using every credit you don't have to earn returns $1,780 — that's 2.2× the fee. A further $1,420/year has to be earned — qualifying spend or qualifying activity — so we don't count it.
Why is WorthTheFee's number lower than the bank's total for the Sapphire Reserve for Business?
Banks add up every possible credit at its theoretical maximum. We show the Maximum Credit Value ($1,780/year here) — the credits you can capture by using them — and keep perks you value, which need spending or qualifying activity first, on their own line. Your WTF Check counts only what you say you use. If you don't use it, we don't count it.
Does the welcome bonus count toward this value?
No. Welcome bonuses are one-time and vary by application channel, so we don't fold them into ongoing annual value. Our number reflects what you get every year you hold the card — not a first-year sweetener.
Credits & enrollment
Which Sapphire Reserve for Business credits are Automatic?
None of them — nothing on the Sapphire Reserve for Business posts automatically. Every credit takes an action to capture, which is why we count none of it for you by default. Use every credit you don't have to earn and the Sapphire Reserve for Business gives back $1,780 a year. Review each credit below and include only what you realistically expect to use or earn.
Which Sapphire Reserve for Business credits require enrollment?
These credits require you to opt in through your account before they'll post: Southwest A-List Status, IHG One Rewards Platinum Elite Status, Hyatt Explorist Status ($120k spend), DashPass Membership, IHG One Rewards Diamond Elite Status. If you don't enroll, you get nothing — even after you spend.
What perks are not counted in the Net Value?
WorthTheFee excludes any benefit without a fixed, verifiable dollar value — things like elite status, lounge access, or trip insurance. They're real, but we won't put a fake price on them.
Methodology & account
How does WorthTheFee calculate value?
We sort every credit into three buckets: Automatic (included in the WTF Check with no selection required), Yours if you use it (available only if you actually use it), and Perks you value (requires spending or qualifying activity). Your verdict adds Automatic value to the value you select—never the bank's marketing total.
How often are these credits and values updated?
Every credit here is read from the issuer's own published terms by a person, who records the source link and the date. The date on this page is that date — it is when we last checked, not a promise about when we will check next. When a term changes we log it to our terms-history so you can see exactly what shifted and when, and if a credit's reset window changes, your reminders update too.
Will my annual fee change?
Issuers raise fees occasionally — usually with 30–60 days notice. If we detect a fee change on a card in My Wallet, it shows in your Alerts, under Deadlines. You can always downgrade or cancel before the renewal posts.
Do affiliate links change the math?
No. No card issuer pays us. Some merchant links may earn us a commission. Your verdict never does. The numbers don't move. The answer doesn't change. If the math says Cancel, we say Cancel.
Can I save my verdict?
Yes—your current selections are kept in this page's URL automatically. Create a free account to save your verdict to My Wallet and get reminders before each credit's reset window closes.
Official sources
Every fee, credit and restriction on this page is taken from Chase’s own published pages — never from a blog, forum or affiliate roundup. WorthTheFee is not the issuer and is never paid to change a verdict.
Verified against official issuer sources on October 3, 2026. Issuers change terms without notice. Confirm on the issuer page before applying.
Which other cards give you these?
These 11 credits each have their own page, listing every card that carries them with the issuer’s stated maximum on each.
Estimate · $890 used vs. $795