No, you can't get the Chase Sapphire Reserve card for your business, as it's not a business credit card. However, small business owners can technically use this card for business spending. Just try to avoid putting business and personal expenses on the same credit card, or else your finances might get too confusing.
Chase Sapphire Reserve is one of the best credit cards on the market. Many of its features are ideal for business, including the 3 points per $1 spent on travel (after earning the $300 travel credit), 3 points per $1 on dining, and 1 point per $1 on all other purchases. But all of its perks come with a hefty $550 annual fee.
Even if you were to use Chase Sapphire Reserve® strictly for business spending, you’d still likely get better value from a regular business credit card. Chase offers a host of business credit cards with rewards and benefits that are similar to, and in some cases better than, what Chase Sapphire Reserve brings to the party. And some of these come with business-specific perks, like employee cards with individual spending limits.
Here are the best Chase business credit cards:
Best for travel – Ink Business Preferred® Credit Card Offers 100,000 points for spending $15,000 in the first 3 months. You also earn 3 points per $1 on the first $150,000 spent per year on travel and select business categories, and 1 point per $1 on all other purchases. Chase Ink Preferred also features a $0 foreign transaction fee and has a $95 annual fee.
Best for cash back – Ink Business Cash® Credit Card Offers $750 for spending $7,500 in the first 3 months. You also earn 5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable and phone services, 2% cash back on the first $25,000 spent per year at gas stations and restaurants combined, 1% back on all other purchases . The card also offers an introductory purchase APR of 0% for 12 months (13.24% - 19.24% (V) thereafter). $0 annual fee.
Best for no annual fee – Ink Business Unlimited® Credit Card $0 annual fee. Also offers $750 for spending $7,500 in the first 3 months. Ongoing 1.5% cash back on all purchases.
If you’re not tied to Chase, there are also viable options from other issuers. You can choose the best business credit card according to your specific needs.
While there is no Chase Sapphire Reserve business credit card, if you decide you would like to use the personal card for business purchases, you will need excellent credit for approval. Most Chase business credit cards require good personal credit history. That’s also the case with many of the best business cards from other issuers. Keep in mind that business cards hold you personally liable for any unpaid balances. So, just like with a personal card, don’t spend outside the means of the business.
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