Chase Sapphire Reserve vs. Reserve for Enterprise: Card showdown

Chase now has two flagship premium card choices, one private and one enterprise. The financial institution just lately launched the Chase Sapphire Reserve for Enterprise℠ (see charges and charges) and refreshed the favored Chase Sapphire Reserve® (see charges and charges) with new advantages. Each playing cards carry a whopping $795 annual payment however 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

Sapphire Reserve vs. Reserve for Enterprise welcome provide

With each playing cards having $795 annual charges, the very first thing you may have 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 inside 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 value 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 value $4,100.

The welcome provide on the Sapphire Reserve is far more attainable, because the minimal spending requirement is way decrease at $5,000 over three months. Nevertheless, 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 value nearly double that of the Sapphire Reserve; nonetheless, it requires six instances the minimal spending quantity of the Sapphire Reserve.

Associated: The perfect 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.

Here is an outline of the advantages supplied on each playing cards:

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 couple of 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 targeted on hiring and productiveness.

Moreover, you may unlock the identical elite advantages on the Sapphire Reserve with $45,000 much less in spending. Nevertheless, you’ll sacrifice $250 in The Retailers 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 necessary to notice that present Sapphire Reserve cardholders is not going to 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 customers. Nevertheless, the Chase Sapphire Reserve for Enterprise might be wonderful 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 ultravaluable 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 (via Dec. 31, 2027), with a most of fifty,000 factors
• 8 factors per greenback spent on purchases made via Chase Journey, together with The Edit
• 5 factors per greenback spent on Lyft rides via Sept. 30, 2027
• 4 factors per greenback spent on flights and accommodations booked straight
• 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 via Sept. 30, 2027
• 4 factors per greenback spent on flights and accommodations booked straight
• 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 necessary to notice that there isn’t any spending cap on the three factors per greenback spent on promoting, not like different Chase enterprise playing cards, just like the Ink Enterprise Most well-liked® 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 and flights and accommodations booked straight. The Sapphire Reserve gives bonus factors on eating and Peloton purchases. Nevertheless, enterprise homeowners 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 comparable incomes charges with some key variations. Assume via your each day spending to seek out the most effective match to your pockets.

Associated: Is the Chase Sapphire Reserve definitely worth the annual payment?

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 will probably be to switch to one in every of Chase’s switch companions. You possibly can redeem your factors for money again, present playing cards, eating and experiences via the Final Rewards portal. You may also benefit from Chase’s Pay Your self Again function, the place you will get increased worth out of your factors to cowl eligible purchases.

Moreover, Chase has launched Factors Increase. Factors can be utilized to ebook journey straight via 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). Right here are some things to notice about Factors Increase:

• Factors Increase provide charges rely upon the airline and the category you ebook (primary financial system is excluded). The airways will fluctuate and alter, however from the beginning, it looks as if the airways eligible for Factors Increase are all Chase switch companions.
• Premium cabins will provide increased redemption charges.
• Factors redeemed for reserving a property that is a part of The Edit will probably 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, might be redeemed at 1.5 cents per level by way of Chase Journey, whatever the airfare class or lodge property, or at as much as 2 cents with Factors Increase. The upper redemption charge will robotically be chosen for you for 2 years.
• All non-Factors Increase-eligible Chase Journey purchases might be redeemed at a charge 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 intensive roster of 14 airline and lodge companions. Transferring factors helps 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 common 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 just lately 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: Learn how to redeem Chase Final Rewards factors for optimum worth

Ought to I get the Sapphire Reserve or the Sapphire Reserve for Enterprise?

If you happen to aren’t a enterprise proprietor and like incomes bonus factors on on a regular basis spending classes like eating, it is 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 is best to go for the Sapphire Reserve for Enterprise.

Nevertheless, in case you’re a enterprise proprietor and torn between which card to get, you can get each playing cards and obtain each welcome bonuses. If you happen to determine to do that, make sure you time your functions so you will have sufficient time to earn each bonuses.

Backside line

The Sapphire Reserve has been revamped with the next annual payment, nevertheless it additionally now has quite a few credit and advantages to present cardholders extra worth. If you happen to’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 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 value evaluating the 2 to see which is the most effective match to your pockets.

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Apply right here: Chase Sapphire Reserve

Apply right here: Chase Sapphire Reserve for Enterprise

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