Chase now has two flagship premium card choices, one private and one enterprise. The financial institution not too long ago launched the Chase Sapphire Reserve for Enterprise℠ (see charges and costs) and refreshed the favored Chase Sapphire Reserve® (see charges and costs) with new advantages. Each playing cards carry a whopping $795 annual price however have numerous premium journey perks, helpful assertion credit and airport lounge entry.
Let’s evaluate 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 |
|---|---|---|
| Welcome provide | Earn 100,000 bonus factors and a $500 Chase Journey℠ credit score after spending $5,000 on purchases within the first three months from account opening. | Earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening. |
| Annual price | $795 | $795 |
| Incomes charges |
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| Assertion credit |
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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 the welcome gives. Each playing cards have industry-leading welcome gives that may present 1000’s of {dollars} in worth when redeemed for journey.
For a restricted time, new candidates for the Sapphire Reservecan earn 100,000 bonus factors and a $500 Chase Journey credit score after spending $5,000 on purchases throughout the first three months from account opening. Based mostly on TPG’s June 2025 valuation of Chase Final Rewards factors at 2.05 cents every, this provide is price as much as $2,550.
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 June 2025 valuations, this provide is price $4,100.
The welcome provide on the Sapphire Reserve is rather more attainable, because the minimal spending requirement is far decrease at $5,000 over three months. Nonetheless, these with excessive enterprise bills can get extra worth from the Sapphire Reserve for Enterprise’ bigger factors bonus.
Winner: Chase Sapphire Reserve for Enterprise. Its welcome provide is price nearly double that of the Sapphire Reserve; nonetheless, it requires six instances the minimal spending quantity of the Sapphire Reserve.
Associated: One of the best bank card welcome bonuses of the month
Sapphire Reserve vs. Reserve for Enterprise advantages
Each playing cards provide quite a few advantages, together with assertion credit, lounge entry and journey protections.
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This is an summary of the advantages provided on each playing cards:
| Profit | Sapphire Reserve | Sapphire Reserve for Enterprise |
|---|---|---|
| Annual assertion credit and advantages |
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| Lounge entry |
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| Journey protections |
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| Lodge perks |
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| Unlockable advantages | After spending $75,0000 or extra in a 12 months, you unlock:
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After spending $120,000 or extra in a 12 months, you unlock:
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A lot 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 homeowners, with credit centered on hiring and productiveness.
Moreover, you may unlock the identical elite advantages on the Sapphire Reserve with $45,000 much less in spending. Nonetheless, you’ll sacrifice $250 in The Outlets at Chase credit score. That is Chase’s new on-line purchasing expertise with merchandise from Dyson, Tumi and different high-end manufacturers.
It is vital to notice that present Sapphire Reserve cardholders won’t have entry to new advantages and credit till Oct. 26, 2025.
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 may be glorious for small-business homeowners 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 ultravaluable Chase Final Rewards factors in quite a lot of bonus classes.
With the Sapphire Reserve, you will earn:
- 10 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (by way of Dec. 31, 2027), with a most of fifty,000 factors
- 8 factors per greenback spent on purchases made by way of Chase Journey, together with The Edit
- 5 factors per greenback spent on Lyft rides by way of Sept. 30, 2027
- 4 factors per greenback spent on flights and inns 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 way of Sept. 30, 2027
- 4 factors per greenback spent on flights and inns booked instantly
- 3 factors per greenback spent on promoting purchases made with social media websites and search engines like google and yahoo
- 1 level per greenback spent on all different purchases
It is vital to notice that there isn’t a 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 costs), which has a $150,000 spending cap.
Each playing cards have the identical incomes charges on Chase Journey purchases and flights and inns booked instantly. The Sapphire Reserve gives bonus factors on eating and Peloton purchases. Nonetheless, enterprise homeowners who spend closely on internet marketing will recognize the limitless bonus earnings out there with the Sapphire Reserve for Enterprise.
Winner: Tie. Each playing cards have comparable incomes charges with some key variations. Suppose by way of your each day spending to search out one of the best match in your pockets.
Associated: Is the Chase Sapphire Reserve definitely 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 one of the best worth redemption can be to switch to considered one of Chase’s switch companions. You possibly can redeem your factors for money again, present playing cards, eating and experiences by way of the Final Rewards portal. You can too reap the benefits of Chase’s Pay Your self Again function, the place you will get larger worth out of your factors to cowl eligible purchases.
Moreover, Chase has launched Factors Enhance. Factors can be utilized to ebook journey instantly by way of Chase Journey at a worth of as much as 2 cents per level, relying on the cardboard and the precise redemption (see your rewards program settlement for full particulars). Right here are some things to notice about Factors Enhance:
- Factors Enhance provide charges rely upon the airline and the category you ebook (fundamental financial system is excluded). The airways will range and alter, however from the beginning, it looks as if the airways eligible for Factors Enhance are all Chase switch companions.
- Premium cabins will provide larger redemption charges.
- Factors redeemed for reserving a property that is a part of The Edit can be redeemed at 2 cents per level.
- For Sapphire Reserve cardholders accepted earlier than June 23, 2025, all factors earned earlier than Oct. 26, 2025, may be redeemed at 1.5 cents per level through Chase Journey, whatever the airfare class or resort property, or at as much as 2 cents with Factors Enhance. The upper redemption price will mechanically be chosen for you for 2 years.
- All non-Factors Enhance-eligible Chase Journey purchases may 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 Enhance perk.
Transferring factors on the Sapphire Reserve vs. Sapphire Reserve for Enterprise
You possibly can switch Final Rewards factors to Chase’s intensive roster of 14 airline and resort companions. Transferring factors allows you to get most worth from them, and you’ll usually exceed TPG’s June 2025 valuation of two.05 cents per level. These switch companions are the identical for each Sapphire Reserve playing cards.
Some widespread companions embrace Air Canada Aeroplan, Air France-KLM Flying Blue, United MileagePlus and World of Hyatt.
Danyal Ahmed, a playing cards author at TPG, ceaselessly transfers his factors to Air Canada Aeroplan due to its phenomenal award charts. For instance, he not too long ago transferred 20,000 factors to ebook a multicity journey round Europe, all in enterprise class, with Swiss and Turkish Airways.
Winner: Tie. Each playing cards share the identical switch companions and charges.
Associated: The way to redeem Chase Final Rewards factors for max worth
Ought to I get the Sapphire Reserve or the Sapphire Reserve for Enterprise?
In case you aren’t a enterprise proprietor and like incomes bonus factors on on a regular basis spending classes like eating, you must go for the Sapphire Reserve. In the meantime, for those who’re a enterprise proprietor searching for premium advantages and bonus factors on promoting, you must go for the Sapphire Reserve for Enterprise.
Nonetheless, for those who’re a enterprise proprietor and torn between which card to get, you may get each playing cards and obtain each welcome bonuses. In case you resolve to do that, make sure you time your purposes so you may have sufficient time to earn each bonuses.
Backside line
The Sapphire Reserve has been revamped with a better annual price, nevertheless it additionally now has quite a few credit and advantages to provide cardholders extra worth. In case you’re searching for an easy-to-use journey credit score, lounge entry and a plethora of different advantages, this selection is best for you.
In the meantime, the Sapphire Reserve for Enterprise is Chase’s first foray into the premium enterprise card market. Its advantages and assertion credit are catered to small-business homeowners who worth premium journey advantages. There’s loads of overlap, nevertheless it’s price evaluating the 2 to see which is one of the best match in your pockets.
Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Reserve for Enterprise
