Chase Sapphire Reserve vs. Reserve for Enterprise: Card showdown

Contents

Comparability of the Sapphire Reserve vs. Sapphire Reserve for Enterprise Sapphire Reserve vs. Reserve for Enterprise welcome provide Sapphire Reserve vs. Reserve for Enterprise advantages Incomes factors on the Sapphire Reserve vs. Sapphire Reserve for Enterprise Redeeming factors on the Sapphire Reserve vs. Sapphire Reserve for Enterprise Transferring factors on the Sapphire Reserve vs. Sapphire Reserve for Enterprise Ought to I get the Sapphire Reserve or the Sapphire Reserve for Enterprise?Backside line

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 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 payment	$795	$795
Incomes charges	Earn 10 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (by Dec. 31, 2027), with a most of fifty,000 factors. Earn 8 factors per greenback spent on purchases made by Chase Journey, together with The Edit. Earn 5 factors per greenback spent on eligible Lyft rides by Sept. 30, 2027. Earn 4 factors per greenback spent on flights and inns booked instantly. Earn 3 factors per greenback spent on eating worldwide. Earn 1 level per greenback spent on all different purchases.	Earn 8 factors per greenback spent on Chase Journey purchases. Earn 5 factors per greenback spent on eligible Lyft rides by Sept. 30, 2027. Earn 4 factors per greenback spent on flights and inns booked instantly. Earn 3 factors per greenback spent on promoting purchases made with social media websites and engines like google. Earn 1 level per greenback spent on all different purchases.
Assertion credit	Journey: $300 annual journey credit score and a World Entry/TSA PreCheck/Nexus utility payment credit score (as much as $120) DoorDash: Complimentary DoorDash DashPass subscription price $120 (activate by Dec. 31, 2027) and as much as $300 yearly in month-to-month DoorDash promos Lyft: $10 month-to-month credit score in-app (by Sept. 30, 2027) Motels: As much as $500 annual The Edit credit score Leisure: As much as $300 annual StubHub and viagogo credit score (activation required) Eating: As much as $300 annual eating credit score at OpenTable (cardholders obtain primetime reservations at Sapphire Reserve Unique tables; no prepayment or cost by OpenTable is required) Streaming: As much as $250 yearly in complimentary Apple TV+ and Apple Music subscriptions (one-time activation per service by chase.com or Chase Cell app required), in addition to as much as $120 Peloton credit score (by Dec. 31, 2027; activation required)	Journey: $300 annual journey credit score and a World Entry/TSA PreCheck/Nexus utility payment credit score (as much as $120) DoorDash: Complimentary DoorDash DashPass subscription (activate by Dec. 31, 2027) and as much as $300 yearly in month-to-month DoorDash promos Lyft: $10 month-to-month credit score in-app (by Sept. 30, 2027) Motels: As much as $500 annual The Edit credit score Enterprise: As much as $400 annual ZipRecruiter credit score and as much as $200 Google Workspace credit score

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 presents. Each playing cards have industry-leading welcome presents that may present hundreds 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 price as much as $2,550.

Then again, 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 way 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; nevertheless, it requires six occasions 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.

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

Profit	Sapphire Reserve	Sapphire Reserve for Enterprise
Annual assertion credit and advantages	$300 annual journey credit score As much as $500 The Edit credit score As much as $300 annual StubHub credit score or viagogo (activation required) As much as $300 annual eating credit score at OpenTable (cardholders obtain primetime reservations at Sapphire Reserve Unique tables; no prepayment or cost by OpenTable is required) Complimentary DoorDash DashPass subscription price $120 (activate by Dec. 31, 2027), plus two promos of as much as $10 off every calendar month at checkout on grocery, comfort or different nonrestaurant orders and $5 off restaurant orders As much as $250 yearly in complimentary Apple TV+ and Apple Music subscriptions (one-time activation per service by chase.com or Chase Cell app required) As much as $120 annual in-app Lyft credit by Sept. 30, 2027 (as much as $10 month-to-month; credit score doesn’t apply to Wait & Save, bike or scooter rides) As much as $120 World Entry, TSA PreCheck or Nexus utility payment credit score each 4 years As much as $120 Peloton credit score (by Dec. 31, 2027)	$300 annual journey credit score As much as $500 The Edit credit score As much as $400 annual ZipRecruiter credit score As much as $200 Google Workspace credit score As much as $120 World Entry, TSA PreCheck or Nexus utility payment credit score each 4 years $10 month-to-month Lyft credit score in-app by Sept. 30, 2027 (doesn’t apply to Wait & Save, bike or scooter rides) Complimentary DoorDash DashPass membership by Dec. 31, 2027, plus two promos of as much as $10 off every calendar month at checkout on grocery, comfort or different nonrestaurant orders and $5 off restaurant orders
Lounge entry		Complimentary Precedence Go Choose membership Complimentary entry for you and two visitors to Chase Sapphire Lounge by The Membership places Complimentary entry to twenty Air Canada Maple Leaf lounges when touring on a Star Alliance airline
Journey protections		Main automobile rental insurance coverage (when renting for enterprise functions) Baggage delay insurance coverage Journey delay insurance coverage Journey cancellation/interruption insurance coverage Emergency medical and dental advantages
Resort perks	Computerized IHG One Rewards Platinum Elite standing (by Dec. 31, 2027) Entry to The Edit by Chase Journey (cardholders obtain a $100 property credit score and perks like complimentary breakfast when reserving by The Edit)	Computerized IHG One Rewards Platinum Elite standing (by Dec. 31, 2027) Entry to The Edit by Chase Journey (cardholders obtain a $100 property credit score and perks like complimentary breakfast when reserving by The Edit)
Unlockable advantages	After spending $75,0000 or extra in a yr, you unlock: IHG One Rewards Diamond Elite standing Southwest Speedy Rewards A-Listing standing $500 Southwest Airways credit score $250 The Outlets at Chase credit score	After spending $120,000 or extra in a yr, you unlock: IHG One Rewards Diamond Elite standing Southwest Speedy Rewards A-Listing standing $500 Southwest Airways credit score $500 The Outlets at Chase credit score

Many 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 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 house owners, 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. Nonetheless, you’ll sacrifice $250 in The Outlets at Chase credit score. That is Chase’s new on-line procuring 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 presents barely extra assertion credit which might be simpler to make use of for many customers. Nonetheless, the Chase Sapphire Reserve for Enterprise could be wonderful for small-business house owners 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 will earn:

10 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (by Dec. 31, 2027), with a most of fifty,000 factors
8 factors per greenback spent on purchases made by Chase Journey, together with The Edit
5 factors per greenback spent on Lyft rides by 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 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 engines like google
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 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 inns booked instantly. The Sapphire Reserve presents bonus factors on eating and Peloton purchases. Nonetheless, enterprise house owners who spend closely on internet advertising will recognize the limitless bonus earnings obtainable with the Sapphire Reserve for Enterprise.

Winner: Tie. Each playing cards have related incomes charges with some key variations. Assume by your every day spending to search out the most effective match on 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’ll be able to redeem your factors for money again, present playing cards, eating and experiences by the Final Rewards portal. You can too benefit from Chase’s Pay Your self Again characteristic, the place you may get greater worth out of your factors to cowl eligible purchases.

Moreover, Chase has launched Factors Enhance. Factors can be utilized to e book journey instantly by 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 depend upon the airline and the category you e book (fundamental financial system is excluded). The airways will fluctuate and alter, however from the beginning, it looks like the airways eligible for Factors Enhance are all Chase switch companions.
Premium cabins will provide greater 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 authorized earlier than June 23, 2025, all factors earned earlier than Oct. 26, 2025, could 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 fee will robotically be chosen for you for 2 years.
All non-Factors Enhance-eligible Chase Journey purchases could be redeemed at a fee 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’ll be able to switch Final Rewards factors to Chase’s in depth roster of 14 airline and resort companions. Transferring factors enables you to get most worth from them, and you may 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, often transfers his factors to Air Canada Aeroplan due to its phenomenal award charts. For instance, he just lately transferred 20,000 factors to e book 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 right way to redeem Chase Final Rewards factors for max worth

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

For those who 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, when 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, when you’re a enterprise proprietor and torn between which card to get, you possibly can get each playing cards and obtain each welcome bonuses. For those who 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, however it additionally now has quite a few credit and advantages to provide cardholders extra worth. For those who’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 house owners who worth premium journey advantages. There’s loads of overlap, however it’s price evaluating the 2 to see which is the most effective match on your pockets.

Apply right here: Chase Sapphire Reserve

Apply right here: Chase Sapphire Reserve for Enterprise