Chase Sapphire Reserve for Business: what it earns

Updated October 17, 2026 · from RightCard's verified card and merchant data

Chase Sapphire Reserve for Business earns 4x points at travel (flights), 4x points at travel (hotels), and 1x points on everything else. We value Chase Ultimate Rewards at 1.8¢ per point toward travel and 1¢ as cash; the table below shows both readings. Annual fee: $795.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	1x points	1¢ cash · 1.8¢ travel
Supermarkets	1x points	1¢ cash · 1.8¢ travel
Gas stations	1x points	1¢ cash · 1.8¢ travel
Travel	1x points · 4x points flights · 4x points hotels	1¢ cash · 1.8¢ travel
Online shopping	1x points	1¢ cash · 1.8¢ travel
Drugstores	1x points	1¢ cash · 1.8¢ travel
Transit & rideshare	1x points	1¢ cash · 1.8¢ travel
Streaming	1x points	1¢ cash · 1.8¢ travel
Everything else	1x points	1¢ cash · 1.8¢ travel

Travel value uses 1.8¢ per point for Chase Ultimate Rewards, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Nowhere on published rates alone. Its case rests on credits, offers or the program its points feed, not on the earn rate.

Statement credits

Verified from the issuer's terms. A credit is worth its face value only if you would spend there anyway.

Credit	Amount	Per year
Annual travel credit	$300 yearly	$300 / yr
Credit for select Chase Travel Hotels	$250 yearly	$250 / yr
Credit for stays with The Edit	$500 yearly	$500 / yr
ZipRecruiter credit	$400 yearly	$400 / yr
Lyft credit	$10 monthly	$120 / yr
Curated gift card credit	$100 yearly	$100 / yr

Tick the ones you would use and get the fee verdict →

See it against the rest of your wallet →

Other Chase cards: Disney Premier Visa Card · IHG One Rewards Premier · IHG One Rewards Traveler

How RightCard handles this: add the Chase Sapphire Reserve for Business in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

Get RightCard on the App Store

FAQ

What does the Chase Sapphire Reserve for Business earn at supermarkets?

1x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the Chase Sapphire Reserve for Business earn on everything else?

1x points on purchases outside its bonus categories.

Is the Chase Sapphire Reserve for Business's $795 fee worth it?

Only if the credits and rewards you would actually use add up to more than $795 a year. Our coupon-book tool lets you tick the credits you would use and see the verdict.

How much are Chase Sapphire Reserve for Business points worth?

About 1.8¢ each toward travel by our conservative estimate for Chase Ultimate Rewards, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards