Chase Sapphire Reserve vs. Sapphire Reserve Business Card

Core Points - The Chase Ultimate Rewards program is recognized as a leading travel rewards program due to its excellent transfer partners, simplified award redemptions, and straightforward point earning mechanisms [1][2] - The Chase Sapphire Reserve and Sapphire Reserve for Business cards are highlighted as top travel rewards credit cards, each offering unique benefits and overlapping features [2][3] Card Comparison - The Chase Sapphire Reserve card offers a welcome bonus of 125,000 points after spending $6,000 in the first 3 months, while the Sapphire Reserve for Business card offers 200,000 points after spending $30,000 in the first 6 months [3][17] - Both cards have an annual fee of $795 and provide significant earning potential, with the Sapphire Reserve card earning 3x points on dining and the Business card earning 3x points on advertising purchases [4][42][26] - The earning structure includes 8x points on Chase Travel purchases and 5x points on Lyft rides for the Sapphire Reserve card, while the Business card offers 3x points on social media and search engine advertising [20][24] Redemption Options - Both cards allow for various redemption methods, including gift cards, statement credits, and travel bookings through Chase Travel, with the best value obtained by transferring points to airline and hotel partners [28][29] - The Points Boost feature enables cardholders to redeem points at a higher rate for select airline tickets and hotel accommodations booked through Chase Travel [3][28] Travel Benefits - Both cards provide extensive travel benefits, including airport lounge access through Priority Pass Select and complimentary access to Chase Sapphire Lounges [39][37] - Travel protections include trip cancellation and interruption insurance, auto rental coverage, and lost luggage reimbursement, enhancing the overall value of the cards [48][39] Additional Credits and Benefits - The Chase Sapphire Reserve card offers unique lifestyle credits, such as $300 annual travel credit and various subscription services, while the Business card includes credits for services like Google Workspace and ZipRecruiter [9][36][18] - Both cards feature no foreign transaction fees, making them suitable for international travel [45][42] Conclusion - The Chase Sapphire Reserve and Sapphire Reserve for Business cards are positioned as premium offerings in the travel rewards market, catering to different consumer needs while providing substantial value through rewards, benefits, and protections [46][47]