Sapphire Reserve for BusinessSM Credit Card
Annual fee
US$795
Welcome bonus
150,000
points
Est. 12-mo value
US$1,155
bonus × ¢/pt − fee
Base ¢/pt
1.30
Foreign txn
0%
Benefits
9 / 10
Welcome Offer
Earn 200,000 bonus points
Earn Rates
8xChase Travel
5xLyft rides
4xFlights and hotels booked direct
3xSocial media and search ads
1xAll other purchases
Benefits & Insurance
✓Airport Lounge
✓No FX Fee
✓Car Rental Insurance
✓Travel Medical
✓Trip Cancellation
✓Flight Delay
✓Mobile Insurance
✓Purchase Protection
✓Extended Warranty
·Free Checked Bags
Key Perks
Subscription perks
Airport lounge access
Statement credits
Travel program credit (NEXUS/Global Entry)
Priority Pass lounge access
Food delivery credits
Premium lounge access
No foreign transaction fee
Concierge service
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// last updated 2026-02-23 · est. value = welcome bonus × base ¢/pt − annual fee