This might be a rush to business owners who want to increase their travel rewards. The Chase Sapphire Reserve Business card has one of the highest welcome bonuses ever offered on a business credit card that is likely to vanish shortly. This small business offer with the potential to earn up to 200,000 Chase Ultimate Rewards® points has been of serious interest in the rewards and small business fraternity.

In 2025, the Sapphire Reserve Business Card was an offering by Chase that responded to high-end business travel cards by competitors. It is a blend of elite-level travel benefits and business-oriented spending categories, and it is particularly appealing to the entrepreneurs, consultants, and growing companies that have high yearly expenditures.

In case you have been contemplating on this card, this is a full analysis of the current expiring welcome offer, the benefits of the card, and who will enjoy the most before the bonus is lost.

200,000 Ultimate Rewards Points as a Rare Welcome Bonus

The best part about the Chase Sapphire Reserve Business Card is the huge introductory bonus size which currently provides:

200,000 Ultimate Rewards points upon making 30,000 spendable points within the initial 6 months of opening the account.

It has been the most generous welcome offer Chase has ever issued on a card earning Ultimate Rewards points. The bonus alone may be worth about 4,000 dollars used strategically between a generally accepted valuation of 2 cents per point.

Although Chase has not yet officially indicated the specific date on which this promotion is going to end, the bank has already indicated that the offer will soon be coming to an end. Traditionally, after Chase makes a high offer on Sapphire, it does not come back at the same scale.

This bonus can be obtained without having to make amendments to current spending patterns because there are already many business owners who can earn this bonus without investing more money in six months.

The Chase Sapphire Reserve Business Card is a Huge Selling Point

The Sapphire Reserve Business Card was intended to replicate most of the benefits of the personal Chase Sapphire Reserve ®, with its own new features that were selected based on the consideration of businesses with high operational expenses.

This card is ranked at the top of the small business category of card products offered by Chase and directly competes with ultra-premium business cards offered by American Express and Capital One.

It is valuable because it is a combination of:

• Good income rates on major expenditure areas
• High annual statement credits
• Luxury travel perks
• Powerful travel and buying guarantees

The Sapphire reserve business card rewards you in the following manner

The earning apparatus of the card is designed to compensate a strong spending business that invests a lot on travels, advertising and services that promote expansion.

Points-Earning Breakdown

• 8x on purchases made with Chase Travel
• Lyft 5x points (until September 30, 2027)
• The 4x point redeems on direct flights and hotel bookings with airlines and hotels.
• Tripled the points on advert purchases that occur using social media and search engines.
• 1x point on all other purchases made.

This design renders the card specifically useful to those companies that make investments in online advertisement, customer transportation, and lodging all year round.

Card Annual Credits That Support the Card Price

Although the Chase Sapphire Reserve Business Card does have an initial high annual fee, a myriad of in-built statement credit can be of great benefit to the total cost - provided you make use of it.

Key Annual Credits Include:

• Up to 300 of travel credits annually
• Maximum of 400 credits in ZipRecruiter
• A maximum of 200 Google Workspace credits
• Up to Giftcards.com 100 credits
• A maximum of 120 dollars in monthly Lyft credits (until September 30, 2027)

They will receive an annual offer of $300 in DoorDash promotions and a free year of DashPass (it must be activated by December 31, 2027).

Those credits ought to be useful in the case of companies that already consume such services and can easily cover a significant part of the annual fee.

High Volume Businesses Spend-Based Bonuses

Besides the conventional credits, the Sapphire Reserve Business Card provides additional perks to the companies that spend a lot of money annually.

Once purchasing more than 120,000 in a calendar year, cardholders get:

• Five hundred dollars Southwest Airlines credit upon booking with Chase Travel
• $500 credit for the Shops at Chase
• Southwest A-List status
• IHG one rewards Diamond Elite status

The reason why these benefits are obviously offered to businesses that possess high cash flow and travel most of the time.

One of the payment details that you should know

The Chase Sapphire reserve business card is a pay-in-full card as opposed to many other credit cards. This means:

• You have a full payment of your balance every month.
• There is no choice of carrying around a balance.
• Interest is not imposed provided that one pays at the right time.

In disciplined businesses, which are careful with their cash flows, this structure can be applied to avoid debt and get the greatest rewards.

Who is To apply Before the Offer is closed?

This card is best suited for:

• Business people who spend high monthly.
• Business people who pay a lot of money on traveling or online advertisements.
• Firms that want to earn travel rewards in a flexible manner.
• Individuals who are comfortable in the need to spend a sum of 30,000 in a period of six months.

Spending less businesses will have trouble justifying the amount that they have to pay annually when the welcome bonus goes away.

Final Takeaway

The 200,000-point welcome offer on the Chase Sapphire Reserve Business Card is one of the most valuable sign-up bonuses ever made available in the business credit card space. With an estimated value of up to $4,000, it represents a rare opportunity for business owners who can meet the spending threshold.

While the exact end date has not been announced, all signs point to this offer expiring soon. Once it’s gone, it’s unlikely to return at the same level.

If this card aligns with your business spending and travel needs, now is the window to apply and lock in the bonus before Chase pulls the offer for good.