Chase Sapphire Reserve vs. Business: How to Choose

Chase just added a new card to the popular Sapphire family of cards: The Sapphire Reserve for Business℠. This card, launched in June 2025, is modeled after the popular Chase Sapphire Reserve® card, but with a few different benefits aimed at small-business owners.

Both cards charge a $795 annual fee and provide a host of travel benefits, including a $300 annual travel credit, two $250 credits in each half of the calendar year to book hotels in Chase’s The Edit collection, up to a $120 credit toward a TSA PreCheck, Global Entry or Nexus application, and lounge access to Priority Pass and Chase Sapphire lounges.

For people who qualify for both, the Chase Sapphire Reserve® is generally the better card because of its 3x points on dining compared to 1x points on dining with the Sapphire Reserve for Business℠. The Sapphire Reserve for Business℠ bonus categories and credits tend to be narrower and catered more toward specific business spending — but if your spending falls into those narrow categories, it could offer more value.

Here’s how to decide which is right for you.

» MORE: Can I use a personal credit card for business expenses?

» Learn more: NerdWallet’s best travel credit cards

Why you might pick the Chase Sapphire Reserve®

If you are solely interested in the travel benefits that the premium Chase Sapphire Reserve® offers, you might find the benefits on the consumer version of the card to be more useful.

Credits and bonus points for dining

The Chase Sapphire Reserve® is better if you regularly spend on dining out or use food delivery services. It earns 3x points on all dining worldwide, including food delivery services.

The card also comes with a $300 annual dining credit plus primetime reservations to use at Sapphire Reserve Exclusive Tables, a selection of restaurants in major U.S. cities bookable via OpenTable. There’s also $300 in promotional credits to use with DoorDash each year, split into smaller monthly credits, and a complimentary DashPass membership for preferred delivery perks and discounts.

The Sapphire Reserve for Business℠ does not come with 3x points on dining worldwide. If you entertain clients or staff, picking up the check won’t earn a ton of Chase Ultimate Rewards® points. The business card does, at least, have similar DoorDash benefits if you’re ordering food into the office.

Entertainment credits

The consumer version of this card also comes with annual subscriptions to Apple TV+ and Apple Music, valued at $250 per year, and $300 in annual credits to use on concert and event tickets via Stubhub (split into two $150 credits to use in each half of the calendar year). Combined, these two benefits can make up the majority of the $795 annual fee.

Neither of these perks come with the business version of the card.

Peloton credits and bonus points

The consumer version of the card offers up to $120 in annual credit to use towards Peloton membership. And when using the credit card for Peloton equipment and accessory purchases, cardholders will earn 10x points.

None of these fitness credits come with the Sapphire Reserve for Business℠ credit card, which might be a bummer for Peloton devotees who are using the brand’s stationary bikes at hotels during business trips.

Why you may prefer the Sapphire Reserve for Business℠

If you meet the requirements to apply for a business credit card, the Sapphire Reserve for Business℠ might work if you’re looking for bonus points on online advertising and $0 employee cards.

Bonus points on advertising

The Sapphire Reserve for Business℠ card offers 3x points on advertising purchases made via social media sites and search engines. That can come in handy if you spend a lot with Meta or Google already.

Credits focused on business expenses

Instead of the entertainment and lifestyle credits, this card offers credits for business expenses such as:

• A $400 annual credit for ZipRecruiter (split into two $200 credits in each half of the year).

• $200 in annual credit to pay for Google Workspace purchases. 

• $100 in Giftcards.com credit to use each year to reward employees.

Employee cards for no extra charge

The Sapphire Reserve for Business℠ does not charge a fee for employee cards. Meanwhile, the Chase Sapphire Reserve® charges $175 for each authorized user and grants authorized users lounge access.

Which card should you get?

The Chase Sapphire Reserve® generally offers greater value because of its broader categories and benefits. For many business owners, the points on dining might be more useful than the credits for ZipRecruiter or Giftcards.com.

But no matter which one you get, you’ll be contending with an array of coupon book-style credits that are split up in increments that are more difficult to use. You’ll have to use some of these credits twice a year, once from January to June and again from July to December, to maximize the value.

If one card offers credits toward purchases you’re already making, like an Apple TV subscription or Google Workspace, that might be reason enough to apply for one card over another.