Why I applied for the Chase Sapphire Reserve for Business

As they say, the devil’s in the details, and when I first heard the news of the new Chase Sapphire Reserve for Business℠ (see rates and fees), I was salivating just thinking about the 200,000-point welcome bonus after spending $30,000 in the first six months from account opening.

Then I realized there were no strict rules around getting the 200,000-point bonus, because even if you have a Chase Sapphire Reserve® (see rates and fees), you are eligible.

If that wasn’t good enough, the 3 points per dollar earning rate on internet and social media advertising does not have a yearly limit — a detail that some people might overlook but absolutely shouldn’t.

That little nugget stopped me in my tracks. To be honest, I got an exhilarating rush like I haven’t in a very long time from a new credit card.

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Apply now: Add 200,000 Chase Ultimate Rewards points to your account after spending $30,000 in the first six months from account opening with Chase’s new business card, the Chase Sapphire Reserve for Business.

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Why?

At TPG, we spend a lot of money on internet advertising, and I also have several other small businesses that spend in this category.

The fact that there is no limit for spending in this category is one of the biggest boons for my points-earning strategy in a decade because the American Express® Business Gold Card and the Ink Business Preferred® Credit Card (see rates and fees) both have $150,000 caps each calendar year and account anniversary year, respectively (then 1 point per dollar).

Yes, the annual fee on the card is $795, but it gets you into beautiful Chase Sapphire lounges, has most of the perks of the regular Sapphire Reserve and comes with some extra business perks.

The Chase Sapphire Reserve for Business is a game changer for me, and I know it will be for many other small-business owners.

A massive welcome bonus

Let’s start with the juicy headline: a huge 200,000-point welcome bonus. That’s worth over $4,000 based on TPG’s July 2025 valuations, making it one of the highest-value bonuses we’ve ever seen from Chase.

I already hold the personal Sapphire Reserve, but since having the consumer card doesn’t affect your eligibility to get the business card, I jumped on it.

I did need to verify some business income, so it’s not a low-barrier application. But if you’re a legit business owner with real expenses, it’s well within reach.

Related: Who qualifies for a business credit card?

Uncapped earning potential

As I mentioned, the standout feature for me is the uncapped 3 points per dollar spent on social media and search engine advertising.

I spend a lot in that category, and, until now, I’ve been splitting the load between my American Express Business Gold Card — which earns 4 points per dollar spent on these purchases, capped at $150,000 in combined purchases per calendar year (then 1 point per dollar)— and my Ink Business Preferred Card — which earns 3 points per dollar spent on these purchases, also capped at $150,000 in combined purchases per account anniversary year.

This new card lets me consolidate my spending and keep earning beyond those limits, which is a big deal for growing our TPG brand.

On top of that, the ability to earn at an accelerated rate and then use those points through Chase’s Points Boost, which I’ve been doing lately for hotels and select airfare up to 2 cents apiece, is huge. That’s essentially getting up to a 6% return per dollar spent in an uncapped category.

Related: Why Chase’s Points Boost is an outstanding (kind of surprising) new way to book hotels on points

Luxury perks that actually deliver

The perks on the Sapphire Reserve for Business provide a ton of value. Even if you only use half of them, you still come out ahead. They rival (and, in some cases, beat) what you’ll get from other top-tier cards:

• A $300 annual travel credit
• Over $400 in combined DoorDash (through Dec. 31, 2027) and Lyft (through Sept. 30, 2027) credits each year
• A $500 hotel credit through The Edit, Chase’s luxury hotel collection ($250 biannually, with a minimum two-night stay required)
• $600 in combined business statement credits for Google Workspace (through Dec. 31, 2027) and ZipRecruiter (through Dec. 31, 2027)
• IHG One Rewards Platinum Elite status (through Dec. 31, 2027), with a path to Diamond Elite status if you spend $120,000 in a calendar year
• A complimentary Priority Pass membership with two guests, plus free entry to Chase Sapphire lounges

I used The Edit to book the Cheval Blanc in Paris last month — one of my favorite hotel stays ever.

With Chase’s Points Boost, I got 2 cents per point in value, which brought the cost down to about 114,000 points per night on a room that would’ve cost me over $2,000 in cash.

As part of my perks from booking via The Edit through Chase Travel℠, I also received a spa credit, free breakfast and a room upgrade. This is Chase taking on the American Express Fine Hotels + Resorts program, and, frankly, doing it really well.

Why I’m shifting my strategy

This isn’t just another card I’m test-driving. This card fits perfectly into my always-evolving points strategy. I’m planning to downgrade my personal Sapphire Reserve and lean into this business version moving forward.

Beyond the uncapped earnings on ads, the card also earns:

• 8 points per dollar spent on travel booked through Chase Travel
• 5 points per dollar spent on Lyft rides (through Sept. 30, 2027)
• 4 points per dollar spent on flights and hotels booked directly
• 1 point per dollar spent on everything else

That’s some serious earning power. And when you pair it with Points Boost, which I used to book a $3,700 Delta One suite for just 175,000 points, the value proposition goes through the roof. Delta Air Lines wanted 650,000 Delta SkyMiles for the same seat. That’s an amazing win.

Related: Chase Sapphire Reserve vs. Sapphire Reserve for Business: Which Reserve is right for you?

Is this card right for you?

Let’s not sugarcoat it: The $795 annual fee is hefty, and spending $30,000 in six months is no small feat. But this card could absolutely be worth it if you:

• Advertise heavily or spend big on business travel
• Want real value from your points, not just 1 cent per point
• Need a card that rewards everyday business spending without limits
• Appreciate luxury perks like spa credits, free breakfast and lounge access

Even if you already have the personal Sapphire Reserve or the Chase Sapphire Preferred® Card (see rates and fees), Chase allows you to hold the business version, too.

Related: Who should get the Chase Sapphire Reserve for Business card?

Bottom line

This is one of the most exciting new card launches we’ve seen in years, and if you’re an internet marketer, this is the card that you should have.

With a juicy 200,000-point bonus, premium perks and uncapped earnings in a top business spending category, the Chase Sapphire Reserve for Business is a no-brainer for the right kind of business owner.

If that sounds like you, don’t wait. Offers like this don’t last forever.

To learn more, read our full review of the Chase Sapphire for Business.

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Apply here: Chase Sapphire for Business

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