Chase Sapphire Reserve for Business

Is the annual fee worth it?

It earns about $655 a year on the illustrative household's spending, which is −$140 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $1,198 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.

Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

Where it ranks

Against every card in the catalogue, scored in dollars per $100 with no rotating categories switched on:

• #1 of 117 for hotels — $8.00 per $100
• #2 of 117 for flights — $8.00 per $100

Where a year's rewards come from

Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

What the issuer lists besides rewards

• 3x on social media and search engine advertising — from 15 November 2026, on the first $1,000,000 a year
• Transfers points 1:1 to airline and hotel partners, and unlocks transfers for the no-fee Ink and Freedom cards

Similar cards

• Chase Sapphire Reserve — annual fee $795 a year
• American Express Business Platinum Card — annual fee $895 a year
• American Express Platinum Card — annual fee $895 a year
• Citi Strata Elite — annual fee $595 a year
• Every travel card, ranked
• When an annual fee pays for itself
• The best two- and three-card combinations