Being a small business owner means doing the work of five people and getting thanked by zero. That's why I love when business credit card perks actually reward you personally.
Airport lounge access and luxury travel perks
It's hard to put a price on peace of mind while traveling. Especially when you're sprinting through terminals or dealing with delays that throw off your whole work rhythm.
That's why the luxury perks on this card really help business owners. You can stay calm, collected, and ready to handle business on the go.
Here's what you get with the Sapphire Reserve for Business℠:
- Priority Pass™ Select membership -- Access to 1,300+ airport lounges worldwide, with up to two free guests.
- Up to $120 credit for Global Entry or TSA PreCheck®
- Trip cancellation/interruption insurance
- Primary car rental insurance
- Purchase protection and extended warranties
And hey, if you ever travel with clients, picture treating them to a sleek lounge before your flight. Free snacks, comfy chairs, and instant credibility. Baller move.
$300 annual travel credit
Whenever I see a credit card with a massive annual fee, the first thing I look for is big credits that help offset the cost.
With the Sapphire Reserve for Business℠, the $300 annual travel credit is the most flexible credit. You don't have to book through Chase Travel to use it. Any travel you book with the card (e.g. a flight directly with an airline, or last-minute hotel somewhere), the credit kicks in automatically.
There's also a $500 credit towards The Edit bookings for high-end hotels and resorts. This is split into $250 credit between January and June, and $250 between July and December.
Beyond the annual travel credit, Chase packs in a bunch of smaller (but mighty) benefits that can help offset the annual fee -- especially if you're already spending in these categories.
You'll get up to $200 in annual credits for Google Workspace, which is perfect if you use Gmail, Calendar, Drive, Meet, or any of Google's business tools. Just pay directly through Google and the credit kicks in.
There's also up to $400 in ZipRecruiter credits, split into two halves: $200 from January through June, and $200 from July through December. If you're hiring or growing your team, this can easily pay for itself.
Another fun one is up to $100 back each year on gift cards from a curated collection on GiftCards.com. It's split into $50 for the first half of the year and $50 for the second. This can be good for client thank-yous, team rewards, or even just stocking up on brands you already use.
Then there's the DoorDash perk, which is surprisingly generous. You'll get a free DashPass membership (a $120 value), plus up to $25 in monthly promos through 2027. Whether you're feeding your team or grabbing dinner after a long day, it adds up fast.
And finally, for ground transportation, you'll get $10 in monthly Lyft credits (up to $120 per year), valid through September 2027. It's a nice bonus for airport rides or getting to client meetings without dealing with parking.
If you're already using these services for your business it's an immediate win. But even if you only use a couple they can really make the card's premium fee a whole lot easier to justify.
Earn big on everyday spending
Chase clearly designed this as a travel card with modern business spend in mind. Here's how the points stack up:
- 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours
- 5x total points on Lyft rides through 9/30/27 (if you're ride-or-die with rideshares, this adds up fast)
- 4x points on flights & hotels booked direct (no portal required)
- 3x points on social media & search engine advertising (hello, marketing budget!)
- 1x points on all other purchases
And like other Sapphire cards, you'll earn Chase Ultimate Rewards®, which are super flexible. You can redeem for travel, transfer to partners, cash back, or gift cards.
Complimentary employee cards
If you're managing a team, it's nice to know that employee cards have no annual fee.
Even better, employee cards come with the same purchase and travel protections as the primary cardholder. And they'll earn rewards for all the spending they do.
Just note: some perks like airport lounge access don't extend to employee cards.
Big welcome bonus
Right now, the Sapphire Reserve for Business℠ is offering a huge welcome bonus: Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening. That's pretty massive -- worth at least $2,000 in travel or statement credits, potentially more if you optimize redemptions.
The 6-month runway gives you more breathing room than most business cards. But let's be real, $30,000 on purchases is no small hurdle. So for those interested you'll want to make sure your business has those big expenses coming up (like a product launch, ad campaigns, or travel-heavy quarter).
