Choosing between the Chase Sapphire Reserve ($795/yr) and the Chase Sapphire Reserve Business ($795/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5% via portal. 8x on Chase Travel, 4x on flights and hotels booked direct, 3x on dining.
Perfect if: You maximize portal bookings and want premium perks to offset the fee.
Apply NowStrongest in travel at 8% via portal. 8x on Chase Travel, 4x on flights/hotels direct, 3x on ads.
Perfect if: You maximize portal bookings and want premium perks to offset the fee.
Apply Now| Feature | Chase Sapphire Reserve | Chase Sapphire Reserve Business |
|---|---|---|
| Annual Fee | $795 | $795 |
| Sign-Up Bonus | 100,000 points after $6,000 spend in 3 months | 200,000 points after $30,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 5% | 8% |
| Dining Rewards | 3% | 1% |
| Key Benefits | 8x on Chase Travel, 4x on flights and hotels booked direct, 3x on dining. | 8x on Chase Travel, 4x on flights/hotels direct, 3x on ads. |
Chase Sapphire Reserve pulls ahead for dining spending.
Chase Sapphire Reserve Business wins on travel.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.