Sapphire Reserve vs Sapphire Reserve Business
Sapphire Reserve
$795/yr
7.0/10
VS
Sapphire Reserve Business
$795/yr
5.5/10
Quick Answer
Sapphire Reserve charges $795/yr with 1X base rewards. Sapphire Reserve Business charges $795/yr with 1X base rewards. Sapphire Reserve offers a slight edge depending on your spending when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Sapphire Reserve
Lower annual fee ($795 vs $795)
Rewards Earning
Sapphire Reserve
5 earning categories
Benefits & Protection
Sapphire Reserve
12 benefits vs 0
Statement Credits
Sapphire Reserve
$2348 in annual credits
Flexibility
Sapphire Reserve
Transferable points to airline/hotel partners
OUR PICK
Sapphire Reserve edges ahead
Better rewards and benefits at the same fee level.
Apply for Sapphire ReservePREMIUM PICK
Sapphire Reserve Business is a strong alternative
Competitive features make it worth considering.
Apply for Sapphire Reserve BusinessRewards Earning: Detailed Comparison
Sapphire Reserve
| Chase Travel purchases including The Edit | 8.0X |
| Flights booked directly with airlines | 4.0X |
| Hotels booked directly | 4.0X |
| Dining worldwide | 3.0X |
| All other purchases | 1.0X |
Sapphire Reserve Business
| Hotels & car rentals (Chase Travel) | 10.0X |
| Flights (Chase Travel) | 5.0X |
| Dining | 4.0X |
| All other travel | 3.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Sapphire Reserve (12 benefits)
- Emergency Medical and Dental (up to $2,500)
- Lost Luggage Reimbursement (up to $3,000)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Primary Auto Rental Coverage (up to $75,000)
- Purchase Protection (up to $10,000)
- Extended Warranty Protection
- Emergency Evacuation/Transportation (up to $100,000)
- Priority Pass Select + Chase Sapphire Lounges (up to $469)
- Global Entry/TSA PreCheck/NEXUS Credit (up to $120)
- IHG One Rewards Platinum Elite Status
Sapphire Reserve Business (0 benefits)
See full review for benefits details.