Sapphire Reserve For Business℠ Changes
Last year, Chase launched its first premium travel-focused credit card for businesses. It joined a roster of some of the best biz cards in the industry. Following its 1st birthday, the Sapphire Reserve For Business℠ card is now getting some updates. Beginning in January 2027, cardholders will be able to access $1,000 in statement credits for The Edit by Chase Travel. And later this year, the card will also introduce an annual cap on the 3x earning category for advertising purchases. Let's take a look at the upcoming Sapphire Reserve For Business℠ changes.
What's Changing
Here's what new and existing cardholders can expect with the Sapphire Reserve For Business℠ changes—and when:
The Edit by Chase Travel
Effective January 1, 2027, the annual statement credit for The Edit doubles from $500 to $1,000. The $1,000 will be split across four statement credits, with a maximum value of $250 per stay. The credits can be used at any point throughout the year. Redemptions through Chase's The Edit program include complimentary benefits for each stay. Some perks include a $100 property credit, daily breakfast for two and a room upgrade (if available). Read more about The Edit here.
Note that the $250 annual Chase Travel select hotels credit is currently slated to expire December 31, 2026. We don't currently have any indication it will be extended, though anything is possible. The nice thing about the select hotels credit is that it can be stacked with eligible stays via The Edit. That means you can save up to $500 on the same 2-night stay. Some may prefer that current setup to the introduction of two more credits for The Edit. But ultimately, the extra credits for The Edit have the potential to provide more total value for the $795 annual fee. It will just depend on if and how you are able to maximize them.
Annual Cap on 3x Advertising Category
Effective November 15, 2026, cardmembers will earn 3x points on the first $1 million spent on social media and search engine advertising during each account anniversary year. (Account anniversary year is defined as the period between 11/15/2026 and a cardmember’s next monthly statement with an annual fee, and then every 12-month period afterwards.) Once that cap is reached, cardholders will continue earning in this category at the standard rate of 1x, with no maximum spend. Currently, 3x earning in this category is uncapped. So for high spenders, this may be a negative change.
Existing Benefits and Perks
In addition to these Sapphire Reserve For Business℠ changes, cardmembers can continue to access the rest of the card's benefits. These include:
- $300 annual travel credit
- Credits for business services ($400 ZipRecruiter credit, $200 Google Workspace credit and $100 Giftcards.com credit)
- Up to $120 credit toward Global Entry, TSA PreCheck® or NEXUS every 4 years
- Monthly credits for DoorDash and Lyft
- Complimentary IHG One Rewards Platinum Elite status
- Lounge access, including a Priority Pass Select membership and entry to Chase Sapphire Lounges
- Plus more perks for those who spend $120,000+ per year
- Read a full overview of card benefits in our Sapphire Reserve For Business℠ review.
It should also be noted that this card often comes with a massive sign-up bonus, which currently offers 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening. This, combined with the card benefits, can easily more than offset the $795 annual fee in the first year of membership. And perhaps most importantly, cardholders have full access to the Chase Ultimate Rewards transferable points currency. The card will also retain a 1:1 transfer ratio to World of Hyatt, even as some Chase cards move to a 4:3 ratio.
Sapphire Reserve For Business℠ Changes: ToP Thoughts
The Sapphire Reserve For Business℠ changes may be a bit of a mixed bag for some, especially business owners who spend more than the new $1 million cap in the advertising category. What about the $1,000 in credits for The Edit? Look, none of us really want more coupons. But as this card just passed its 1-year mark—and does not appear to have a downgrade path—cardholders are no doubt deciding whether they want to keep paying that hefty $795 annual fee. The increase to $1,000 in credits for The Edit may make that an easier decision for some. And either way, it does boost this card's value for first-time applicants. Share your thoughts on these Sapphire Reserve For Business℠ card updates over in the ToP Facebook Group.
