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Chase Sapphire Reserve vs Sapphire Reserve for Business

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Sapphire Reserve 2.1% 1x base rate
  2. Sapphire Reserve for Business 2.1% 1x base rate

Dining

  1. Sapphire Reserve 6.2% 3x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Travel · portal

  1. Sapphire Reserve · Chase Travel 16.4% 8x
  2. Sapphire Reserve for Business · Chase Travel 16.4% 8x

Advertising

  1. Sapphire Reserve for Business 6.2% 3x
  2. Sapphire Reserve 2.1% 1x base rate

Flights

  1. Sapphire Reserve 8.2% 4x
  2. Sapphire Reserve for Business 8.2% 4x

Hotels

  1. Sapphire Reserve 8.2% 4x
  2. Sapphire Reserve for Business 8.2% 4x

Peloton

  1. Sapphire Reserve 20.5% 10x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Lyft

  1. Sapphire Reserve 10.3% 5x
  2. Sapphire Reserve for Business 10.3% 5x

What the numbers are doing

Where they differ: Sapphire Reserve takes dining and peloton; Sapphire Reserve for Business takes advertising.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve2.1%
DiningSapphire Reserve6.2%
Travel · portalSapphire Reserve · Chase Travel16.4%
AdvertisingSapphire Reserve for Business6.2%
FlightsSapphire Reserve8.2%
HotelsSapphire Reserve8.2%
PelotonSapphire Reserve20.5%
LyftSapphire Reserve10.3%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Sapphire Reserve — 2.1%
  2. Sapphire Reserve for Business — 2.1%

Dining

  1. Sapphire Reserve — 6.2%
  2. Sapphire Reserve for Business — 2.1%

Travel · portal

  1. Sapphire Reserve · Chase Travel — 16.4%
  2. Sapphire Reserve for Business · Chase Travel — 16.4%

Advertising

  1. Sapphire Reserve for Business — 6.2%
  2. Sapphire Reserve — 2.1%

Flights

  1. Sapphire Reserve — 8.2%
  2. Sapphire Reserve for Business — 8.2%

Hotels

  1. Sapphire Reserve — 8.2%
  2. Sapphire Reserve for Business — 8.2%

Peloton

  1. Sapphire Reserve — 20.5%
  2. Sapphire Reserve for Business — 2.1%

Lyft

  1. Sapphire Reserve — 10.3%
  2. Sapphire Reserve for Business — 10.3%
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