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Chase affords two flagship premium playing cards, one private and one enterprise.
Each the Chase Sapphire Reserve for Enterprise℠ (see charges and costs) and Chase Sapphire Reserve® (see charges and costs) 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 supply
With each playing cards having $795 annual charges, the very first thing you would possibly take a look at is their welcome affords. Each playing cards have industry-leading welcome affords 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 supply 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 supply is price $4,100.
The welcome supply 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 supply is price virtually double that of the Sapphire Reserve; nonetheless, it requires 5 instances the minimal spending quantity of the Sapphire Reserve.
Associated: The perfect bank card welcome bonuses of the month
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Sapphire Reserve vs. Reserve for Enterprise advantages
Each playing cards supply quite a few advantages, together with assertion credit, lounge entry and journey protections.
Here is an outline of the advantages supplied 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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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 a number of variations between the advantages the playing cards supply. 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 targeted on hiring and productiveness.
Moreover, you may unlock virtually the identical bonus advantages on the Sapphire Reserve with $45,000 much less in spending.
Winner: Chase Sapphire Reserve. It affords barely extra assertion credit which might be simpler to make use of for many customers. Nonetheless, the Chase Sapphire Reserve for Enterprise might be glorious for small-business homeowners who already spend with ZipRecruiter and Google Workspace.
Associated: The perfect 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 quite a lot of bonus classes.
With the Sapphire Reserve, you may earn:
- 10 factors per greenback spent on Peloton tools 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 resorts booked immediately
- 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 resorts booked immediately
- 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 essential to notice that there is no such thing as a spending cap on the three factors per greenback spent on promoting, not like 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, in addition to flights and resorts booked immediately. The Sapphire Reserve affords bonus factors on eating and Peloton purchases. Nonetheless, enterprise homeowners who spend closely on internet advertising will respect the limitless bonus earnings accessible with the Sapphire Reserve for Enterprise.
Winner: Tie. Each playing cards have related incomes charges with some key variations. Take into account your day by day spending to search out the perfect match to your finances.
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 supply a number of methods to redeem your factors, however the perfect worth redemption is to switch to considered one of Chase’s switch companions.
You’ll be able to redeem your factors for money again, reward playing cards, eating and experiences by means of the Final Rewards portal. You may also 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’s Factors Enhance function permits cardholders to guide journey immediately by means of Chase Journey at a price of as much as 2 cents per level, relying on the cardboard and the precise redemption (see your rewards program settlement for full particulars). All non-Factors Enhance-eligible Chase Journey purchases might be redeemed at a price of 1 cent per level.
Winner: Tie. Each playing cards supply the identical redemption choices and entry to Chase’s Factors Enhance perk.
Transferring factors on the Sapphire Reserve vs. Sapphire Reserve for Enterprise
You’ll be able to switch Final Rewards factors to Chase’s intensive roster of 13 airline and lodge companions. Transferring factors allows 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 widespread 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 invaluable 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?
In the event you 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 case 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 case you’re a enterprise proprietor and torn between which card to get, you could possibly get each playing cards and obtain each welcome bonuses. In the event you resolve to do that, make sure you time your functions so you have got sufficient time to earn each bonuses.
Backside line
The Sapphire Reserve offers quite a few credit and advantages to provide cardholders worth. In the event you’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 homeowners who worth premium journey advantages. There’s loads of overlap, but it surely’s price evaluating the 2 to see which is the perfect match to your pockets.
Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Reserve for Enterprise
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