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A little over a year after its launch, the Sapphire Reserve for Business℠ (Rates & Fees) is already getting an update.
Chase announced today, September 17, 2026, that cardholders will get a higher annual credit for The Edit by Chase Travel bookings. However, the news isn't all positive. Cardholders will soon face a spending cap in select earning categories.
Here's what to know about these changes and when they take effect.
Sapphire Reserve Business Targeted Update
The Sapphire Reserve Business is changing, but only slightly.
Increased The Edit credit
First, the good news. Starting January 1, 2027, the annual statement credit for The Edit by Chase Travel doubles from $500 to $1,000. It will continue to be distributed in $250 increments, so cardholders can now enjoy four statement credits each year. This credit alone now has the potential to offset the card's $795 annual fee.
New limits on spending categories
Now, the bad news. Cardholders currently earn unlimited 3X
Chase is defining an account anniversary year as the period between November 15, 2026, and your next monthly statement with an annual fee, and then every 12-month period thereafter. So, any money spent on social media and search engine advertising until November 15, 2026, doesn't count toward this threshold.
And that's all. You'll continue to enjoy your other credits, including the $400 ZipRecruiter credit, $200 Google Workspace credit, $100 Giftcards.com credit, along with a variety of other benefits. There's no change in annual fees or new spending caps on any other purchases.
Bottom Line
These are relatively minor updates, but they're worth noting. Odds are, most businesses don't spend more than $1 million on social media advertising each year, but if yours does, you'll need to choose a different card once you cross that threshold.
The extra credits toward The Edit bookings are great, but keep in mind that you'll need to complete four hotel stays each year instead of two. The Sapphire Reserve Business remains one of the best Chase business cards on the market, and it's always good news when you get more value from a card with no change in annual fees.
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Sapphire Reserve for Business℠ (Rates & Fees)
