Chase gives two flagship premium playing cards, one private and one enterprise.
Each the Chase Sapphire Reserve for Enterprise℠ (see charges and charges) and Chase Sapphire Reserve® (see charges and charges) carry a whopping $795 annual price and have numerous premium journey perks, helpful assertion credit and airport lounge entry.
Let’s examine these two playing cards and see which is best for you.
Comparability of the Sapphire Reserve vs. Sapphire Reserve for Enterprise
| Card | Sapphire Reserve | Sapphire Reserve for Enterprise |
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Earn 125,000 bonus factors after spending $6,000 on purchases within the first three months of account opening. |
Earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening. |
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$795 |
$795 |
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Sapphire Reserve vs. Reserve for Enterprise welcome provide
With each playing cards having $795 annual charges, the very first thing you may take a look at is their welcome gives. Each playing cards have industry-leading welcome gives that may present hundreds of {dollars} in worth when redeemed for journey.
New candidates for the Sapphire Reserve can earn 125,000 bonus factors after spending $6,000 on purchases within the first three months of account opening. Based mostly on TPG’s January 2026 valuation of Chase Final Rewards factors at 2.05 cents every, this provide is price $2,563.
However, new Sapphire Reserve for Enterprise candidates can earn 200,000 bonus factors after spending $30,000 on purchases within the first six months after account opening. Based mostly on TPG’s valuations, this provide is price $4,100.
The welcome provide on the Sapphire Reserve is far more attainable, because the minimal spending requirement is far decrease at $6,000 over three months. Nonetheless, these with excessive enterprise bills can get extra worth from the Sapphire Reserve for Enterprise’s bigger factors bonus.
Winner: Chase Sapphire Reserve for Enterprise. Its welcome provide is price nearly double that of the Sapphire Reserve; nonetheless, it requires 5 instances the minimal spending quantity of the Sapphire Reserve.
Associated: One of the best bank card welcome bonuses of the month
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Sapphire Reserve vs. Reserve for Enterprise advantages
Each playing cards provide quite a few advantages, together with assertion credit, lounge entry and journey protections.
Here is an summary of the advantages provided on each playing cards:
| Profit | Sapphire Reserve | Sapphire Reserve for Enterprise |
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Annual assertion credit and advantages
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After spending $75,0000 or extra in a yr, you unlock:
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After spending $120,000 or extra in a yr, you unlock:
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Many of the playing cards’ advantages, just like the airport lounge entry, the annual $300 journey credit score and the journey protections in case your travels go awry, overlap.
There are just a few variations between the advantages the playing cards provide. The Sapphire Reserve has extra lifestyle-focused advantages like eating, leisure and streaming credit. In distinction, the Sapphire Reserve for Enterprise credit are extra catered towards enterprise house owners, with credit targeted on hiring and productiveness.
Moreover, you may unlock nearly the identical bonus advantages on the Sapphire Reserve with $45,000 much less in spending.
Winner: Chase Sapphire Reserve. It gives barely extra assertion credit which might be simpler to make use of for many shoppers. Nonetheless, the Chase Sapphire Reserve for Enterprise will be wonderful for small-business house owners who already spend with ZipRecruiter and Google Workspace.
Associated: One of the best premium bank cards: A side-by-side comparability
Incomes factors on the Sapphire Reserve vs. Sapphire Reserve for Enterprise
Each playing cards earn ultra-valuable Chase Final Rewards factors in a wide range of bonus classes.
With the Sapphire Reserve, you may earn:
- 10 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (by means of Dec. 31, 2027), with a most of fifty,000 factors
- 8 factors per greenback spent on purchases made by means of Chase Journey, together with The Edit
- 5 factors per greenback spent on Lyft rides by means of Sept. 30, 2027
- 4 factors per greenback spent on flights and accommodations booked instantly
- 3 factors per greenback spent on eating worldwide
- 1 level per greenback spent on all different purchases
In the meantime, the Sapphire Reserve for Enterprise earns:
- 8 factors per greenback spent on Chase Journey purchases
- 5 factors per greenback spent on eligible Lyft rides by means of Sept. 30, 2027
- 4 factors per greenback spent on flights and accommodations booked instantly
- 3 factors per greenback spent on promoting purchases made with social media websites and engines like google
- 1 level per greenback spent on all different purchases
It is vital to notice that there isn’t any spending cap on the three factors per greenback spent on promoting, in contrast to different Chase enterprise playing cards, just like the Ink Enterprise Most popular® Credit score Card (see charges and charges), which has a $150,000 spending cap.
Each playing cards have the identical incomes charges on Chase Journey purchases, in addition to flights and accommodations booked instantly. The Sapphire Reserve gives bonus factors on eating and Peloton purchases. Nonetheless, enterprise house owners who spend closely on internet marketing will recognize the limitless bonus earnings obtainable with the Sapphire Reserve for Enterprise.
Winner: Tie. Each playing cards have related incomes charges with some key variations. Think about your day by day spending to search out the most effective match on your price range.
Associated: Is the Chase Sapphire Reserve well worth the annual price?
Redeeming factors on the Sapphire Reserve vs. Sapphire Reserve for Enterprise
Each playing cards provide a number of methods to redeem your factors, however the most effective worth redemption is to switch to one in every of Chase’s switch companions.
You possibly can redeem your factors for money again, reward playing cards, eating and experiences by means of the Final Rewards portal. You may as well reap the benefits of Chase’s Pay Your self Again characteristic, the place you will get greater worth out of your factors to cowl eligible purchases.
Moreover, Chase’s Factors Increase characteristic permits cardholders to ebook journey instantly by means of Chase Journey at a worth of as much as 2 cents per level, relying on the cardboard and the particular redemption (see your rewards program settlement for full particulars). All non-Factors Increase-eligible Chase Journey purchases will be redeemed at a price of 1 cent per level.
Winner: Tie. Each playing cards provide the identical redemption choices and entry to Chase’s Factors Increase perk.
Transferring factors on the Sapphire Reserve vs. Sapphire Reserve for Enterprise
You possibly can switch Final Rewards factors to Chase’s in depth roster of 13 airline and resort companions. Transferring factors helps you to get most worth from them, and you may typically exceed TPG’s valuation of two.05 cents per level. These switch companions are the identical for each Sapphire Reserve playing cards.
Some well-liked companions embody Air Canada Aeroplan, Air France-KLM Flying Blue, United MileagePlus and World of Hyatt.
Bank cards author Augusta Stone enjoys reserving Hyatt stays along with her Chase factors, since Hyatt has one of the vital priceless award charts on the market.
Winner: Tie. Each playing cards share the identical switch companions and charges.
Associated: Methods to redeem Chase Final Rewards factors for max worth
Ought to I get the Sapphire Reserve or the Sapphire Reserve for Enterprise?
For those who aren’t a enterprise proprietor and like incomes bonus factors on on a regular basis spending classes like eating, it’s best to go for the Sapphire Reserve. In the meantime, in the event you’re a enterprise proprietor searching for premium advantages and bonus factors on promoting, it’s best to go for the Sapphire Reserve for Enterprise.
Nonetheless, in the event you’re a enterprise proprietor and torn between which card to get, you can get each playing cards and obtain each welcome bonuses. For those who resolve to do that, make sure you time your functions so you’ve gotten sufficient time to earn each bonuses.
Backside line
The Sapphire Reserve offers quite a few credit and advantages to provide cardholders worth. For those who’re searching for an easy-to-use journey credit score, lounge entry and a plethora of different advantages, this feature is best for you.
In the meantime, the Sapphire Reserve for Enterprise is Chase’s foray into the premium enterprise card market. Its advantages and assertion credit are catered to small-business house owners who worth premium journey advantages. There’s loads of overlap, however it’s price evaluating the 2 to see which is the most effective match on your pockets.
Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Reserve for Enterprise
