Chase simply added a brand new card to the favored Sapphire household of playing cards: The Sapphire Reserve for Enterprise℠. This card, launched in June 2025, is modeled after the favored Chase Sapphire Reserve® card, however with just a few completely different advantages aimed toward small-business house owners.

Each playing cards cost a $795 annual payment and supply a bunch of journey advantages, together with a $300 annual journey credit score, two $250 credit in every half of the calendar 12 months to e-book motels in Chase’s The Edit assortment, as much as a $120 credit score towards a TSA PreCheck, International Entry or Nexus utility, and lounge entry to Precedence Move and Chase Sapphire lounges.

For individuals who qualify for each, the Chase Sapphire Reserve® is mostly the higher card due to its 3x factors on eating in comparison with 1x factors on eating with the Sapphire Reserve for Enterprise℠. The Sapphire Reserve for Enterprise℠ bonus classes and credit are usually narrower and catered extra towards particular enterprise spending — but when your spending falls into these slim classes, it might supply extra worth.

Right here’s the best way to resolve which is best for you.

In case you are solely within the journey advantages that the premium Chase Sapphire Reserve® provides, you would possibly discover the advantages on the buyer model of the cardboard to be extra helpful.

The Chase Sapphire Reserve® is healthier in the event you often spend on eating out or use meals supply providers. It earns 3x factors on all eating worldwide, together with meals supply providers.

The cardboard additionally comes with a $300 annual eating credit score plus primetime reservations to make use of at Sapphire Reserve Unique Tables, a number of eating places in main U.S. cities bookable through OpenTable. There’s additionally $300 in promotional credit to make use of with DoorDash every year, break up into smaller month-to-month credit, and a complimentary DashPass membership for most well-liked supply perks and reductions.

The Sapphire Reserve for Enterprise℠ doesn’t include 3x factors on eating worldwide. When you entertain purchasers or employees, selecting up the examine received’t earn a ton of Chase Final Rewards® factors. The enterprise card does, at the very least, have comparable DoorDash advantages in the event you’re ordering meals into the workplace.

The patron model of this card additionally comes with annual subscriptions to Apple TV+ and Apple Music, valued at $250 per 12 months, and $300 in annual credit to make use of on live performance and occasion tickets through Stubhub (break up into two $150 credit to make use of in every half of the calendar 12 months). Mixed, these two advantages could make up the vast majority of the $795 annual payment.

Neither of those perks include the enterprise model of the cardboard.

The patron model of the cardboard provides as much as $120 in annual credit score to make use of in the direction of Peloton membership. And when utilizing the bank card for Peloton gear and accent purchases, cardholders will earn 10x factors.

None of those health credit include the Sapphire Reserve for Enterprise℠ bank card, which is perhaps a bummer for Peloton devotees who’re utilizing the model’s stationary bikes at motels throughout enterprise journeys.

When you meet the necessities to apply for a enterprise bank card, the Sapphire Reserve for Enterprise℠ would possibly work in the event you’re searching for bonus factors on internet marketing and $0 worker playing cards.

The Sapphire Reserve for Enterprise℠ card provides 3x factors on promoting purchases made through social media websites and engines like google. That may turn out to be useful in the event you spend loads with Meta or Google already.

As an alternative of the leisure and way of life credit, this card provides credit for enterprise bills corresponding to:

• A $400 annual credit score for ZipRecruiter (break up into two $200 credit in every half of the 12 months).

• $200 in annual credit score to pay for Google Workspace purchases. 

• $100 in Giftcards.com credit score to make use of every year to reward workers.

The Sapphire Reserve for Enterprise℠ doesn’t cost a payment for worker playing cards. In the meantime, the Chase Sapphire Reserve® fees $175 for every licensed person and grants licensed customers lounge entry.

The Chase Sapphire Reserve® typically provides larger worth due to its broader classes and advantages. For a lot of enterprise house owners, the factors on eating is perhaps extra helpful than the credit for ZipRecruiter or Giftcards.com.

However irrespective of which one you get, you’ll be contending with an array of coupon book-style credit which can be break up up in increments which can be harder to make use of. You’ll have to make use of a few of these credit twice a 12 months, as soon as from January to June and once more from July to December, to maximise the worth.

If one card provides credit towards purchases you’re already making, like an Apple TV subscription or Google Workspace, that is perhaps motive sufficient to use for one card over one other.