COMPARE/SAPPHIRE RESERVE VS SAPPHIRE RESERVE FOR BUSINESS

FIRST CARD

SECOND CARD

Chase Sapphire Reserve or Chase Sapphire Reserve for Business?

Chase Sapphire Reserve returns $2,348 over its fee and Chase Sapphire Reserve for Business returns $1,155, so the fee difference comes down to which categories you use.

Chase Sapphire ReserveChase · $795 fee · 13 credits

Chase Sapphire Reserve for BusinessChase · $795 fee · 8 credits

NET VALUE+$2,348$3,143 credits

NET VALUE+$1,155$1,950 credits

CATEGORY	SAPPHIRE RESERVE	SAPPHIRE RESERVE FOR BUSINESS
🌎Travel	$1,050	$800
🍽️Food & Dining	$840	$300
🎭Entertainment & Media	$624	—
💼Business	—	$600
✨Lifestyle	$479	$100
🚗Transportation	$120	$120
Lounge Access	Air Canada Lounge Access Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)	Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)
Total credits	$3,143	$1,950
Annual fee	$795	$795
Net value	+$2,348	+$1,155

BEST NET VALUE

CHASEChase Sapphire Reserve

FEE$795

CREDITS$3,143

NET+$2,348

Category wins4 of 6

ADDITIONAL BENEFITS

LOUNGE ACCESS

Air Canada Lounge Access

Chase Sapphire Lounge Access

Priority Pass Select (No Restaurants)

CHASEChase Sapphire Reserve for Business

FEE$795

CREDITS$1,950

NET+$1,155

Category wins1 of 6

ADDITIONAL BENEFITS

LOUNGE ACCESS

Chase Sapphire Lounge Access

Priority Pass Select (No Restaurants)

TAKE THE SAPPHIRE RESERVE IF

You use travel, food & dining, entertainment & media, or any of its 4 winning categories. Entertainment & Media alone is worth $624 here and nothing on the Sapphire Reserve for Business.

TAKE THE SAPPHIRE RESERVE FOR BUSINESS IF

You use business. Business alone is worth $600 here and nothing on the Sapphire Reserve.

Where to use each card

SAPPHIRE RESERVE

🍽️

Chase Exclusive Tables Restaurants413 LOCATIONS

Browse →

🛫

Airport Lounges48 LOCATIONS

Browse →

SAPPHIRE RESERVE FOR BUSINESS

🛫

Airport Lounges48 LOCATIONS

Browse →

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.

Start tracking free

Frequently asked questions

Which is better, Chase Sapphire Reserve or Chase Sapphire Reserve for Business?

The Chase Sapphire Reserve is better with $2,348 net annual value compared to the Chase Sapphire Reserve for Business at $1,155. The Chase Sapphire Reserve wins by $1,193/year.

What's the difference between Chase Sapphire Reserve and Chase Sapphire Reserve for Business?

The key differences: Chase Sapphire Reserve for Business has a $795 annual fee and $3,143 in annual benefits, while Chase Sapphire Reserve has a $795 annual fee and $1,950 in annual benefits.

Is the Chase Sapphire Reserve worth it compared to the Chase Sapphire Reserve for Business?

Yes, the Chase Sapphire Reserve offers better value with $2,348 net annual value compared to $1,155 for the Chase Sapphire Reserve for Business. It also has a similar annual fee.

Which card is better for entertainment_and_media?

The Chase Sapphire Reserve is better for entertainment_and_media with $624 in annual entertainment_and_media benefits compared to $0 for the Chase Sapphire Reserve for Business.

Should I get the Chase Sapphire Reserve?

If you're deciding between the Chase Sapphire Reserve and Chase Sapphire Reserve for Business, the Chase Sapphire Reserve is the better choice with $2,348 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.