JPMorgan Chase, one of the largest and oldest banking institutions in the United States, traces its roots back over 200 years through mergers and acquisitions involving J.P. Morgan & Co., Chase Manhattan, Chemical Bank, and others. Today, Chase is a dominant consumer banking brand with global reach.
The Sapphire line of cards debuted in 2009 with the Chase Sapphire Preferred, designed to attract younger, travel-oriented customers who valued rewards flexibility. In 2016, Chase launched the Sapphire Reserve, positioned as a premium travel credit card to compete directly with the American Express Platinum. Its success was immediate—so much so that Chase ran out of the physical metal cards within the first weeks of release.
The Sapphire Reserve Business Credit Card builds on that heritage, aiming to deliver travel perks, flexible redemptions, and business-focused benefits for small business owners willing to pay a steep annual fee in exchange for premium features.
⭐ Quality
So far, the quality is mixed. While Chase’s Sapphire brand suggests exclusivity and high-end perks, the execution often falls short. Benefits like Priority Pass lounge access—supposed to be a cornerstone perk—are riddled with logistical issues. Cards don’t ship automatically, systems between Chase and Priority Pass fail to sync, and months later, customers are still left without functional lounge access. Chase excels at designing appealing perks but falters in delivering them seamlessly.
Rating: 3/6 Stars
⭐ Value
The card’s $795 annual fee would be more justifiable if benefits were easily accessible. Instead, much of the value is shrouded in fine print and complications. Travel credits, partner perks, and lounge access are only valuable if they actually work as advertised. Right now, the jury is still out—our early experience suggests that unless these issues get resolved, the value proposition is weak compared to peers like the Amex Business Platinum.
Rating: 2/6 Stars
⭐ Price
The price and value are tied together. At $795 per year, this is one of the most expensive business credit cards available. If all perks worked smoothly, this could be justified, especially for frequent travelers. However, with benefit delivery challenges, the price feels less like a premium investment and more like an unnecessary burden.
Rating: 2/6 Stars
⭐ Customer Support
This has long been Chase’s Achilles heel. Phone support for credit cards is inconsistent at best—it often takes multiple calls to get a straight answer, and different agents may give contradictory information. On the other hand, branch-level advisor service is a bright spot: speaking with the same banker in person produces better, more reliable experiences. For a high-end product, Chase should aim for concierge-level service across all channels, not just in-branch.
Rating: 2/6 Stars
⭐ Ease of Use
The experience is hit or miss. Online and app functionality works for basic credit card management, but when it comes to redeeming credits, perks, or rewards, fine print and hurdles abound. The Sapphire Reserve Business feels more like a maze of conditions than a streamlined premium product. Chase does outperform some competitors (like Bank of America), but compared to American Express, the Sapphire line still lags in clarity and user-friendliness.
Rating: 3/6 Stars
⭐ Durability
As long-term Chase customers, we can say the bank itself is durable—its products have staying power, and the Sapphire brand has been around for over a decade. Our history with Chase includes multiple personal and business credit cards, with relatively consistent access to credit lines. However, whether the Sapphire Reserve Business can maintain relevance against strong competitors like Amex remains to be seen. Its durability will depend on how well Chase refines the customer experience over time.
Rating: 4/6 Stars
Final Verdict
The Chase Sapphire Reserve Business Credit Card presents itself as a premium solution for small business owners, but the execution doesn’t live up to the promise. The high annual fee would be justified if perks like lounge access and credits worked seamlessly, but instead, customers are left chasing benefits through red tape and disjointed systems.
From the Six Star Review perspective, we give the Chase Sapphire Reserve Business card:
3 out of 6 Stars
If you are considering this card, ask detailed questions about benefit delivery and weigh your tolerance for administrative headaches before committing. Chase is clearly trying to compete with Amex in the premium space, but unless they streamline their support and perk delivery, the Sapphire Reserve Business may not justify its hefty fee.
