Compare Cards: Chase Sapphire Reserve® for Business vs. Chase Ink Business Preferred® Credit Card vs. The Business Platinum Card® from American Express

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Earning Rates	Chase Sapphire Reserve® for Business Chase businesslounge-accesspremiumtransferable Details	Chase Ink Business Preferred® Credit Card Chase business Details	The Business Platinum Card® from American Express American Express lounge-accesspremiumtransferableno-foreign-transaction-fee Details
First-year value Welcome offer + annual credits − annual fee	+$4,645	+$1,605	+$5,924
Annual Fee	$795	$95	$895
Credit Required	Excellent	Excellent	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	200,000 pts Limited-time offer: Earn 200,000 bonus points after spending $30,000 on purchases in the first 6 months from account opening. Spend $30,000 in 6 mo	100,000 pts Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Spend $8,000 in 3 mo	300,000 pts As-high-as offer: apply and find out your welcome offer, as high as 300,000 Membership Rewards points after you spend $20,000 in purchases within the first 3 months. Welcome offers vary and you may not be eligible for an offer. Spend $20,000 in 3 mo
Network	visa	visa	amex
Earning Rates
Advertising (Social Media & Search Engines)	—	3× On the first $150,000 spent in combined purchases each account anniversary year	—
All Other Purchases	1× 1x points on all other purchases	—	—
Chase Travel	8× 8x points on all purchases through Chase Travel, including The Edit	—	—
Default	—	1× On all other purchases	—
Flights	—	—	5× Booked directly with airlines
Flights & Hotels Booked Direct	4× 4x points on flights & hotels booked direct	—	—
Hotels	—	—	5× On prepaid hotels
Internet, Cable & Phone Services	—	3× On the first $150,000 spent in combined purchases each account anniversary year	—
Lyft	5× 5x total points on Lyft rides through 9/30/27	—	—
Lyft Rides	—	5× Through September 30, 2027	—
Other	—	—	1×
Shipping	—	3× On the first $150,000 spent in combined purchases each account anniversary year	—
Social Media & Search Engine Advertising	3× 3x points on social media & search engine advertising, on up to $1 million in spend each anniversary year (starting 11/15/26)	—	—
Travel	—	3× On the first $150,000 spent in combined purchases each account anniversary year	—
Benefits & Credits	Annual Credits Annual Travel Credit - $300 annual credit on travel purchases (auto-applied, no enrollment) The Edit Credit - Up to $500 annually for prepaid hotel bookings through The Edit by Chase Travel ($250 max per transaction) Lyft Credits - $10 monthly in-app Lyft credits ($120/year) through 9/30/27 Google Workspace Credit - $200 annual credit for Google Workspace purchases Global Entry Credit - Up to $120 every 4 years for Global Entry, TSA PreCheck, or NEXUS DoorDash Promos - With complimentary DashPass (activate by 12/31/27): up to $25 each month on DoorDash: a $5 monthly restaurant promo plus two $10 promos for groceries, retail and more ZipRecruiter Credit - Up to $400 per year in ZipRecruiter statement credits ($200 Jan–Jun and $200 Jul–Dec) Curated Gift Card Credit - Up to $100 per year in statement credits for gift cards purchased from a curated collection ($50 per half-year) Lounge Access 0 1 Other Benefits Priority Pass Select: Unlimited Priority Pass Select lounge access for cardmember and guests Global Entry/TSA PreCheck: Up to $120 reimbursement for Global Entry, TSA PreCheck, or NEXUS every 4 years Transfer Partners: 1:1 point transfer to 14+ airline/hotel partners including United, Southwest, Hyatt, Marriott, British Airways Primary Auto Rental Collision Damage Waiver: Primary rental car coverage worldwide Emergency Evacuation Coverage: Up to $100,000 for emergency medical evacuation Trip Cancellation/Interruption: Up to $20,000 per person and $40,000 per trip 24/7 Concierge: Access to travel and lifestyle concierge services Employee Cards at No Cost: Add employee cards at no additional annual fee FHR Benefits: Access to Chase's Luxury Hotel & Resort Collection (FHR) with breakfast, early check-in, upgrades, $100 experience credit The Hotel Collection: THC: Complimentary room upgrade and $100 food/beverage credit at THC properties	Other Benefits Points Transfer: Transfer points to leading airline and hotel frequent travel programs at 1:1 ratio Chase Travel: Book travel through Chase Travel for competitive rates and premium benefits DashPass: Complimentary access to DoorDash DashPass (activation required)	Annual Credits Hotel Credit (FHR + Hotel Collection) - $300/half ($600/year) on prepaid stays at Fine Hotels & Resorts and The Hotel Collection Dell Credit (base) - $150/year on US Dell Technologies purchases Indeed Credit - $90/quarter ($360/year) on Indeed purchases Airline Fee Credit - $200/year on baggage fees and other airline incidentals for one selected qualifying airline CLEAR Plus Credit - $209/year on CLEAR Plus Membership (auto-renewal required) Hilton for Business Credit - Up to $50/quarter ($200/year cap) statement credit for purchases made directly with Hilton portfolio properties Hotel Status Marriott BonvoyGold Elite Lounge Access 0 1 Other Benefits Fine Hotels + Resorts: FHR program access The Hotel Collection: THC program access 35% Rebate on Business/First Class: Get 35% of points back when redeeming for business/first class flights (must select one airline)
Insurance	Trip Cancellation Trip Delay Primary Purchase Protection Extended Warranty	Trip Cancellation Trip Delay Primary Purchase Protection Extended Warranty	Trip Delay Secondary Purchase Protection Extended Warranty