Credit Cards for Business

Welcome Offer

• Earn a $300 cash rewards bonus after spending $3,000 in the first three months.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases: For 7 months from account opening.
• Regular APR: After the introductory period, a variable APR of 14.74% - 25.74% applies to purchases and balance transfers.
  • Paying late won’t raise your APR.
• Balance Transfer Fees: 5% of each transfer amount.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Business Perks

• Employee Cards at No Additional Cost: Issue employee cards with custom spending limits and earn rewards faster on their purchases.
• Mastercard Easy Saving® Program: Get automatic discounts at participating merchants across the U.S. when you pay with your card. No coupons, codes, or enrollment required.
• Cash Flow Management Tools: Manage your business more easily with online tools like automatic payments, fund transfers, and the ability to download transactions into QuickBooks for streamlined accounting.
• Free Access to Business Credit Scores: View your Dun & Bradstreet business credit scores at no cost through Business Advantage 360, Bank of America’s small business online banking platform.

Travel Benefits

• Travel Accident Insurance: Receive up to $100,000 in travel accident insurance when you pay for eligible travel with your card.
• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card.
• Emergency Ticket Replacement.
• Lost-Luggage Assistance.
• Legal and Medical Referrals when you’re away from home.

Purchase Protections

• Purchase Protection: Covers eligible new purchases against damage or theft.
• Extended Warranty Protection: Get extra warranty protection at no cost on eligible items you purchase with your card.

Additional Features

• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to help avoid declined purchases or returned checks. No transfer fees, other fees may apply.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn a $750 cash rewards bonus after spending $6,000 in the first three months.

Rewards

• 5% Cashback Categories (for the first $25,000 per year):
  • 5% Cashback at Office Supply Stores.
  • 5% Cashback on Internet, Cable and Phone services.
• 5% Cashback on Lyft Rides through September 30, 2027.
• 2% Cashback Categories (for the first $25,000 per year):
  • 2% Cashback at Gas Stations.
  • 2% Cashback at Restaurants.
• 1% Cashback on All Other Purchases.

Redemption Options

• Redeem rewards for cash, gift cards, travel, and more through Chase Ultimate Rewards®.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases: For 12 months from account opening.
• Regular APR: After the introductory period, a variable APR of 16.74% - 24.74% applies to purchases and balance transfers.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Business Perks

• Credit Line Increase: Your account is automatically reviewed for a credit line increase every six months or sooner, helping your purchasing power grow as your business grows.
• Employee Cards at No Additional Cost: Issue employee cards with custom spending limits and earn rewards faster on their purchases.
• Manage Your Cash Flow: Use your business credit card to make payments and keep your cash on hand longer.
• Build Your Business Credit: As your business grows, having a business credit card helps build your company’s own credit history, making it easier to access more capital over time.
• Separate Business and Personal Expenses: Easily track business spending and keep clean records for tax reporting and other business needs. You can also integrate your card with bookkeeping software to simplify accounting.
• Account Alerts: Customize alerts to help keep your account secure and stay informed about activity, with notifications delivered the way you prefer.

Travel Benefits

• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $60,000.
• Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)
• Roadside Assistance: In the event of a roadside emergency, call for dispatch service anytime. Any applicable service fees will be charged to your card at the time of assistance.

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

• Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 75,000 bonus miles + 2,000 Premier Qualifying Points (PQP) after spending $5,000 in the first three months.
• Earn 10,000 bonus miles after you add an employee card in the first three months.

Rewards

• Up to 7x Miles on United Purchases:
  • 7x Miles on United Flights: 5x miles as a MileagePlus member + 2x miles with the United Business Card.
  • 2x Miles on Other United Purchases.
• 2x Miles Categories:
  • 2x Miles at Gas Stations.
  • 2x Miles on Dining, including eligible delivery services.
  • 2x Miles at Office Supply Stores.
  • 2x Miles on Local Transit, including rideshares, taxicabs, train tickets, tolls, and mass transit.
• 1x Miles on All Other Purchases.
• Better-Together Anniversary Bonus: Receive 5,000 bonus miles each year when you hold both the United℠ Business Card and a personal United credit card.

Partner Benefits

• Instacart Credit: Get up to $120 in Instacart credits each calendar year. Receive a $10 credit every month when you use your United℠ Business Card for purchases made directly through Instacart. Offer ends 12/31/2027.
• 3-Month Instacart+ Membership: Enjoy a complimentary 3-month Instacart+ membership, which includes unlimited deliveries with $0 delivery fees on eligible orders. After the trial, you’ll be automatically enrolled at 25% off the annual rate. Offer ends 12/31/2027.

Lounge Access

United Club℠ Access: Receive 2 one-time passes per year (worth over $100), with free drinks, snacks, and high-speed Wi-Fi.

Redemption Options

• Redeem miles for flights, hotel stays, car rentals, shopping, and more.

Fees and APR

• Annual Fee: $150 (waived for the first 12 months).
• Regular APR: 19.74% - 28.24% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Business Perks

• Employee Cards at No Additional Cost: Issue employee cards with custom spending limits and earn rewards faster on their purchases.

Travel Benefits

• Free Checked Bags: The Primary Cardmember and one companion receive their first checked bag free, saving up to $160 per round trip.
• Annual United Travel Credit: Receive a $125 United travel credit each account anniversary year after making five United® flight purchases of $100 or more.
• United Hotels Credit: Get up to $100 back each anniversary year. Earn a $50 statement credit on both your first and second prepaid hotel stays booked directly through United® Hotels with your United℠ Business Card.
• Rideshare Credit: Enroll to get up to $100 back each calendar year on rideshare purchases paid with your United℠ Business Card.
  • $8 back per month from January through November.
  • Up to $12 back in December.
• Avis & Budget Car Rental Credit: Get up to $50 in United® TravelBank cash each anniversary year. Earn $25 back for both your first and second Avis or Budget car rentals booked through cars.united.com and paid with your United℠ Business Card.
• JSX Flights Credit: Get up to $100 back each anniversary year as a statement credit when you book flights directly with JSX using your United℠ Business Card. JSX offers a semi-private flying experience with the convenience of commercial fares.
• FareLock Credit: Earn up to $25 in credits each year when you purchase FareLock on United or United Express® operated flights. FareLock lets you hold your fare for 3, 7, or 14 days, locking in the price while you finalize your plans.
• Economy Plus® Seat Upgrades: Earn 2 seat upgrades within the continental U.S. each calendar year after spending $25,000 on your United℠ Business Card.
• Priority Boarding: The Primary Cardmember and their companions can board United-operated flights before general boarding.
• In-Flight and Lounge Discounts: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights and Club premium drinks.
• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $60,000.
• Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
• Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
• Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
• Trip Delay Reimbursement: If your trip is delayed by more than 12 hours or requires an overnight stay, you can be reimbursed up to $500 per traveler for expenses like meals and lodging.
• Roadside Assistance: Get help with towing, battery jumps, flat tires, lockouts, or fuel delivery, up to $50 per incident, up to 4 times per year.
• Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment while traveling on a common carrier when you pay with your card.
• Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)
• Premier Qualifying Points (PQP): Earn 1 PQP for every $20 spent, up to 4,000 PQP toward your MileagePlus Premier® status per year.

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

• Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.
• Visa Signature® Concierge: Enjoy 24/7 complimentary concierge service to help with booking flights, hotels, transportation, event tickets, dining reservations, golf tee times, and more.

Additional Features

• Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn a $300 cash rewards bonus after spending $3,000 in the first three months.

Rewards

• Earn 1.5% unlimited cashback on all purchases.
• Boosted Rewards for Preferred Rewards Members: If you’re enrolled in Bank of America Preferred Rewards, you can earn up to 75% more cashback, boosting your rewards to up to 2.62% cashback on all purchases.

Redemption Options

• Redeem rewards as a statement credit, a direct deposit into an eligible Bank of America® account, or a check mailed to you.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases: For 7 months from account opening.
• Regular APR: After the introductory period, a variable APR of 16.74% - 26.74% applies to purchases and balance transfers.
  • Paying late won’t raise your APR.
• Balance Transfer Fees: 5% of each transfer amount.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Business Perks

• Cash Flow Management Tools: Manage your business more easily with online tools like automatic payments, fund transfers, and the ability to download transactions into QuickBooks for streamlined accounting.
• Free Access to Business Credit Scores: View your Dun & Bradstreet business credit scores at no cost through Business Advantage 360, Bank of America’s small business online banking platform.

Travel Benefits

• Travel Accident Insurance: Receive up to $100,000 in travel accident insurance when you pay for eligible travel with your card.
• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
• Emergency Ticket Replacement.
• Lost-Luggage Assistance.
• Legal and Medical Referrals when you’re away from home.

Purchase Protections

• Purchase Protection: Covers eligible new purchases against damage or theft.
• Extended Warranty Protection: Get extra warranty protection at no cost on eligible items you purchase with your card.

Additional Features

• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to help avoid declined purchases or returned checks. No transfer fees, other fees may apply.
• 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn a $500 cash rewards bonus after spending $5,000 in the first three months.

Rewards

• Earn 2% unlimited cashback on purchases made for your business, with no categories to track or quarterly activations.

Lounge Access

• Priority Pass™: Cardholders receive a Priority Pass™ membership with access to more than 1,300 participating airport lounges worldwide on a pay-per-visit basis.

Redemption Options

• Redeem rewards for a statement credit, gift cards, travel, and more.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases: For 12 months from account opening.
• Regular APR: After the introductory period, a variable APR of 16.74% - 24.74% applies to purchases.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Business Perks

• Employee Cards at No Additional Cost: Issue employee cards with custom spending limits and earn rewards faster on their purchases.
• Account Alerts: Customize alerts to help keep your account secure and stay informed about activity, with notifications delivered the way you prefer.
• Recurring Bill Payments: Save time by setting up recurring payments with merchants you pay regularly, while earning rewards on everyday business expenses.
• Mastercard Business Assistant: Get 24/7 expert support for everyday business needs, from arranging travel and meetings to recommending restaurants, services, or office equipment upgrades, so you can save time and stay focused on your business.
• Mastercard Merchant Offers: Enjoy exclusive offers and discounts with popular brands, delivering added value across experiences, travel, and everyday purchases.

Travel Benefits

• Worldwide Automatic Common Carrier Travel Accident Insurance: Receive coverage of up to $250,000 for a covered loss resulting from an accident while traveling on a common carrier when you pay for the trip with your card.
• MasterRental® Coverage (Car Rental): Get coverage for damage or theft of a rental car when you pay for the rental with your card and decline the rental company’s collision damage waiver.
• Mastercard Travel and Lifestyle Services: Get access to premium travel and lifestyle benefits, including special offers, upgrades, and preferred treatment with top hotels, airlines, cruises, tours, and car rental companies. You’ll also have access to a 24/7 complimentary lifestyle concierge to help plan trips and experiences, plus added peace of mind with the Mastercard Lowest Hotel Rate Guarantee and Hotel Stay Guarantee. Services provided are billed to your card.
• Baggage Delay Insurance: Get reimbursed up to $300 per covered trip for essential purchases if your baggage is delayed more than 4 hours.

Additional Features

• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
• Mastercard Global Service™: Get 24/7 worldwide assistance with lost or stolen card reporting and emergency card replacement, helping you stay protected wherever you travel.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 30,000 bonus points after spending $3,000 in the first 3 months.

Rewards

• Earn 1.5x points per $1 spent on all purchases.
• Boosted Rewards for Preferred Rewards Members: If you’re enrolled in Bank of America Preferred Rewards, you can earn up to 75% more points, boosting your rewards to 2.62x points per $1 on all purchases.

Redemption Options

• Redeem points as s statement credit to offset travel and dining purchases, or book travel with no blackout dates through the Bank of America Travel Center.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases: For 7 months from account opening.
• Regular APR: After the introductory period, a variable APR of 16.74% - 26.74% applies to purchases and balance transfers.
  • Paying late won’t raise your APR.
• Balance Transfer Fees: 5% of each transfer amount.
• Foreign Transaction Fee: None.

Business Perks

• Cash Flow Management Tools: Manage your business more easily with online tools like automatic payments, fund transfers, and the ability to download transactions into QuickBooks for streamlined accounting.
• Free Access to Business Credit Scores: View your Dun & Bradstreet business credit scores at no cost through Business Advantage 360, Bank of America’s small business online banking platform.

Travel Benefits

• Travel Accident Insurance: Get automatic insurance for covered losses at no extra cost when you use your card to purchase your fare.
• Lost Luggage Reimbursement: Get reimbursed for eligible expenses if your checked or carry-on luggage is lost or damaged during your trip.
• Trip Cancellation & Interruption Insurance: Get reimbursed for non-refundable travel costs if you need to cancel or cut your trip short due to a covered reason. Applies to airfare, ferry, train, bus, and cruise tickets when purchased with your card.
• Trip Delay: Get reimbursed for eligible expenses like meals and lodging if your trip is delayed for a covered reason.

Purchase Protections

• Purchase Protection: Covers eligible new purchases against damage or theft.
• Extended Warranty Protection: Get extra warranty protection at no cost on eligible items you purchase with your card.

Additional Features

• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to help avoid declined purchases or returned checks. No transfer fees, other fees may apply.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn a $750 cashback bonus after spending $6,000 in the first three months.

Rewards

• Earn unlimited 1.5% cashback on all purchases.
• 5% Cashback on Lyft: Earn 5% cashback on Lyft rides through September 30, 2027.

Redemption Options

• Redeem rewards for cash, gift cards, travel, and more through Chase Ultimate Rewards®.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases: For 12 months from account opening.
• Regular APR: After the introductory period, a variable APR of 16.74% - 24.74% applies to purchases and balance transfers.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.

Business Perks

• Employee Cards at No Additional Cost: Issue employee cards with custom spending limits and earn rewards faster on their purchases.
• Manage Your Cash Flow: Use your business credit card to make payments and keep your cash on hand longer.
• Build Your Business Credit: As your business grows, having a business credit card helps build your company’s own credit history, making it easier to access more capital over time.
• Separate Business and Personal Expenses: Easily track business spending and keep clean records for tax reporting and other business needs. You can also integrate your card with bookkeeping software to simplify accounting.
• Account Alerts: Customize alerts to help keep your account secure and stay informed about activity, with notifications delivered the way you prefer.

Travel Benefits

• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $60,000.
• Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)
• Roadside Assistance: In the event of a roadside emergency, call for dispatch service anytime. Any applicable service fees will be charged to your card at the time of assistance.

Purchase Protections

• Purchase Protection: Covers your new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Extended Warranty Protection: Extends the warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

• Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 80,000 bonus miles + 2,000 Premier Qualifying Points (PQP) after spending $5,000 in the first three months.
• Earn 10,000 bonus miles after you add an employee card in the first three months.

Rewards

• 7x Miles on United Flights: 5x miles as a MileagePlus member + 2x miles with the United Club Business Card.
• 2x Miles on Other Eligible United Purchases.
• 5x Miles on Hotels: Earn 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts.
• 1.5x Miles on All Other Purchases.
• Better-Together Bonus: Earn a 5,000-mile bonus each year when you hold both the United Club℠ Business card and a personal United credit card.

Partner Benefits

• Up to $240 Instacart Credit: Get up to $240 in Instacart credits each calendar year. Receive two $10 credit every month when you use your United Club℠ Business Card for purchases made directly through Instacart. Offer ends on December 31, 2027.
• Instacart+ Membership: Get complimentary Instacart+ with $0 delivery fees on eligible orders. Benefits end on December 31, 2027.

Lounge Access

• United Club℠ membership (At Least $750 Value): As the primary United Club℠ Cardmember, you and your eligible travel companions receive access to all United Club locations worldwide.
• United Club℠ All Access Membership: Unlock All Access by reaching Premier Gold status or spending $50,000 annually. Includes access for you and up to 2 adult guests (or 1 adult guest plus dependent children) at United Club℠ and Star Alliance™ lounges. Also receive 4 one-time United Club℠ passes annually for your employee card.
• 4 United Club One-Time Passes: Starting with your first anniversary and each year thereafter, you’ll also earn four United Club℠ one-time passes when you have United Club All Access Membership and an employee card.

Redemption Options

• Redeem miles for flights, hotel stays, car rentals, shopping, and more.

Fees and APR

• Annual Fee: $695.
• Regular APR: 19.74% - 28.24% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Business Perks

• Employee Cards at No Additional Cost: Issue employee cards with custom spending limits and earn rewards faster on their purchases.

Travel Benefits

• Free Checked Bags: The Primary Cardmember and one companion receive the first and second checked bags free, saving up to $360 per round trip.
• Renowned Hotels and Resorts Benefits: Experience an exclusive suite of benefits, including $100 property credit, daily breakfast for two, complimentary Wi-Fi, room upgrade and early check-in/late check-out, when available.
• Up to $200 Hotel Credit: Get up to $200 back each card anniversary year when you prepay for hotel stays through Renowned Hotels and Resorts with your United Club℠ Business Card.
• Up to $150 Rideshare Credit: Get up to $150 back per year on rideshare purchases, $12/month from January to November and up to $18 in December, when you enroll and pay with your United Club℠ Business Card. Annual enrollment required.
• Up to $100 in Car Rental Travel Credits: Earn $50 in United® TravelBank cash for each of your first two Avis or Budget rentals booked via (cars.united.com)[https://cars.united.com/#/searchcars] and paid with your United Club℠ Business Card, up to $100 per anniversary year.
• Up to $200 JSX Credit: Receive up to $200 back each anniversary year when you book JSX flights directly using your [United Club℠/United Club℠ Business] Card. JSX offers a semi-private flying experience at commercial fares.
• Up to $50 in FareLock Credits: Earn up to $50 in statement credits each anniversary year when you purchase United FareLock with your United Club℠ Business Card on United- or United Express®-operated flights. FareLock lets you hold your fare for 3, 7, or 14 days at a set price, so your ticket cost won’t increase during the hold period.
• Premier Access® Travel Services: Enjoy priority check-in, security screening, boarding, and baggage handling privileges where available.
• Global Economy Plus® Seat Upgrades: Earn two global Economy Plus® seat upgrades after spending $40,000 in a calendar year on your card.
• Premier Qualifying Points (PQP): Earn 1 PQP for every $15 spent, up to 28,000 PQP toward your MileagePlus Premier status per year.
• 25% Savings on Inflight and Club Purchases: Receive 25% back on United inflight and Club premium drink purchases.
• Avis President’s Club: Complimentary enrollment offering benefits such as two-car class upgrades, guaranteed availability, expedited rental service, and more.
• Premier Upgrades on Award Tickets: The Primary Cardmember with MileagePlus® Premier status and one companion on the same reservation are eligible for complimentary upgrades on select United- and United Express-operated flights.
• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $60,000.
• Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
• Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
• Trip Delay Reimbursement: If your trip is delayed by more than 12 hours or requires an overnight stay, you can be reimbursed up to $500 per traveler for expenses like meals and lodging.
• Emergency Evacuation & Transportation: If you or a covered traveler are injured or become ill 100+ miles from home, you may be covered for emergency medical services and transportation, up to $1,000,000.
• Roadside Assistance: Get help with towing, battery jumps, flat tires, lockouts, or fuel delivery, up to $50 per incident, up to 4 times per year.
• Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment while traveling on a common carrier when you pay with your card.
• Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)
• Trip Cancellation & Interruption Insurance: Get reimbursed up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
• Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.

Exclusive Offers

• Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.
• Visa Signature® Concierge: Enjoy 24/7 complimentary concierge service to help with booking flights, hotels, transportation, event tickets, dining reservations, golf tee times, and more.

Additional Features

• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 200,000 bonus points after spending $30,000 in the first six months.

Rewards

• 8x Points on All Chase Travel Purchases, including The Edit℠.
• 5x Points on Lyft Rides through 9/30/27.
• 4x Points Travel Categories:
  • 4x Points on Flights booked directly with the airline.
  • 4x Points on Hotels booked directly with the hotel.
• 3x Points on Social Media and Search Engine Advertising.
• 1x Points on All Other Purchases.
• Note: Purchases that qualify for the $300 Annual Travel Credit or the $500 Edit Hotel Credit do not earn points.

Partner Benefits

• $10 Monthly Lyft Credit: Earn $10 in Lyft credits each month (up to $120 annually) when you add your Sapphire Reserve card to the app. Offer valid through September 30, 2027.
• DoorDash: Enjoy complimentary DashPass membership for DoorDash and Caviar. Activate by December 31, 2027 to receive at least one year of benefits, including $0 delivery fees and lower service fees on eligible orders.
• Monthly DoorDash Credits: Available to DashPass members who activate the benefit through December 31, 2027:
  • $5 off one restaurant order per month (subtotal only; does not apply to taxes, fees, or tip).
  • Two $10 discounts on non-restaurant orders per month (like groceries or convenience items).
• $100 Curated Gift Card Credit: Earn up to $100 per year in statement credits when you purchase gift cards from the curated collection at giftcards.com/reservebusiness — up to $50 from January through June and up to $50 from July through December.

Lounge Access

• Chase Sapphire Lounge® by The Club: Relax and refresh with locally inspired menus, a curated selection of beverages, and an unforgettable atmosphere.
• Priority Pass™ Select Membership: Enjoy unlimited access to over 1,300 lounges worldwide for you and up to two guests.
• Please note: Sapphire Lounge® and Priority Pass™ Select benefits are not available for employee cardmembers. However, employees may access the lounges as guests of the Primary Cardmember.

Elite Hotel Status

• IHG One Rewards Platinum Elite Status: Enjoy automatic Platinum Elite status in IHG One Rewards through December 31, 2027. Please note: This benefit is not available for employee cardmembers.

Redemption Options

• Redeem your rewards for cash, gift cards, travel, products, services, and more.
• 1:1 Point Transfer: Transfer your points to top airline and hotel loyalty programs at a 1:1 value.
• Points Boost: Get up to 2x on select airline flights and hotels when you redeem through Chase Travel.

Fees and APR

• Annual Fee: $795.
• Regular APR: 17.74% - 25.74% Variable APR.
• Foreign Transaction Fee: None.

Business Perks

• $200 Google Workspace Credit: Earn up to $200 in annual statement credits on purchases made directly with Google Workspace. Access powerful business tools like Google AI in Gmail, Calendar, Drive, Meet, and NotebookLM to help your team work smarter and grow faster.
• $400 ZipRecruiter Credit: Earn up to $400 in annual statement credits on purchases made directly with ZipRecruiter — up to $200 from January through June and up to $000 from July through December. Post jobs and connect with qualified candidates quickly to help grow your business.
• Build Your Business Credit: As your business grows, having a business credit card helps build your company’s own credit history, making it easier to access more capital over time.
• Employee Travel: Get better visibility into employee travel spending and earn accelerated rewards when employees book through Chase Travel.
• Account Alerts: Customize alerts to help keep your account secure and stay informed about activity, with notifications delivered the way you prefer.
• Employee Cards at No Additional Cost: Issue employee cards with custom spending limits and earn rewards faster on their purchases.
• Get Insights Into Your Business: The Chase Sapphire Reserve® for Business gives you 24/7 access to account details, quarterly reports, and up to 24 months of statement history, helping you track spending and manage your business more effectively.
• Manage Your Cash Flow: Use your business credit card to make payments and keep your cash on hand longer.
• Separate Business and Personal Expenses: Easily track business spending and keep clean records for tax reporting and other business needs. You can also integrate your card with bookkeeping software to simplify accounting.
• 24/7 Customer Service Access: Get round-the-clock access to dedicated customer service specialists from anywhere in the world.

Travel Benefits

• $300 Annual Travel Credit: Receive a $300 credit for travel purchases charged to your card, annually on your account anniversary.
• $500 Credit for Stays with The Edit℠: Get up to $500 in statement credits each year for purchases with The Edit℠, up to $250 from January through June, and up to $250 from July through December.
• The Edit℠: Book through The Edit℠ to access a curated collection of premium hotels with exclusive benefits, like daily breakfast for two, a $100 property credit, room upgrades (when available), and more. Please note: This benefit is not available for employee cardmembers, and a two-night minimum is required.
• Global Entry/TSA PreCheck®/NEXUS Fee Credit: Get up to $120 every four years for the application fee.
• Car Rental Benefits: Use your Chase Visa Infinite® card to unlock special car rental perks with major rental companies worldwide.
  • Avis: Get up to 30% off base rates on qualifying rentals at over 5,000 locations worldwide. Enjoy automatic Preferred Plus enrollment, free weekend rentals, and up to 10% off Select Series vehicles.
  • Hertz: Cardholders enrolled in Hertz Gold Plus Rewards® receive special savings, faster service, bonus points, and extra return hours on U.S. rentals.
  • National Car Rental: Save up to 25% on qualifying rentals at participating locations in the U.S., Canada, Latin America, and the Caribbean. Get complimentary Emerald Club Executive status, plus a free weekend day and a one-class upgrade when available.
• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $75,000.
• Trip Cancellation & Interruption Insurance: Get reimbursed up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
• Trip Delay Reimbursement: If your trip is delayed by more than 6 hours or requires an overnight stay, you can be reimbursed up to $500 per traveler for expenses like meals and lodging.
• Travel Accident Insurance: Receive up to $1,000,000 in coverage for accidental death or dismemberment when you pay for air, bus, train, or cruise travel with your card.
• Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)
• Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
• Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 5 days for essential purchases if your baggage is delayed more than 6 hours.
• Emergency Evacuation & Transportation: If you or a covered traveler are injured or become ill 100+ miles from home, you may be covered for emergency medical services and transportation, up to $100,000.
• Roadside Assistance: Get help with towing, battery jumps, flat tires, lockouts, or fuel delivery, up to $50 per incident, up to 4 times per year.
• Emergency Medical & Dental Coverage: If you or an immediate family member get sick or injured 100+ miles from home while traveling, you may be reimbursed up to $2,500 for medical expenses (subject to a $50 deductible).

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Cell Phone Protection: Get up to $1,000 of protection against damage or theft (three claims per year, $100 deductible) when you pay your monthly cell phone bill with your eligible card.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
• Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.

Exclusive Offers

• Visa Infinite Concierge Service: Get assistance with dinner reservations, Broadway shows, concert tickets, and sporting events.

Additional Features

• Pay-in-Full Card with Built-In Flexibility: Get the buying power you need to cover large purchases, unexpected expenses, and business growth. The Sapphire Reserve® for Business offers two ways to use your credit line: Pay in Full and Flex for Business. Pay-in-Full balances must be paid each month, while Flex for Business balances can be carried over time with interest. Purchases are automatically applied to Flex for Business until its limit is reached, after which additional purchases go to your Pay-in-Full balance.

$120,000 Spend Benefits

As the primary cardmember, you’ll unlock the exclusive benefits below after spending $120,000 on your eligible Sapphire card within a calendar year:

• IHG One Rewards Diamond Elite Status: Automatically receive Diamond Elite status with IHG One Rewards for the remainder of the year you qualify and through the following calendar year.
• $500 Credit for The Shops at Chase:: Earn up to $500 in statement credits for purchases at The Shops at Chase. Credits apply automatically through the end of the year you qualify and the following calendar year.
• $500 Southwest Airlines Chase Travel Credit: Get up to $500 in statement credits for Southwest Airlines purchases made through Chase Travel. Valid for the remainder of the year you qualify and the following calendar year.
• Southwest Airlines Rapid Rewards A-List Status: Enjoy A-List status with Southwest Airlines for the rest of the calendar year you qualify and through the end of the following year.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 400,000 bonus miles total: Get 200,000 miles after spending $30,000 in the first 3 months, plus an additional 200,000 miles after spending $150,000 in the first 6 months.

Rewards

• 10x Miles on Hotels and Rental Cars booked through Capital One Business Travel.
• 5x Miles on Flights and Vacation Rentals booked through Capital One Business Travel.
• 2x Miles on All Other Purchases.
• Annual Bonus: Earn 10,000 bonus miles every year starting on your first card anniversary.

Lounge Access

• Priority Pass™: Cardholders receive a Priority Pass™ membership with access to more than 1,300 participating airport lounges worldwide on a pay-per-visit basis.
• Capital One Lounge Access: Relax at Capital One Lounges with all-inclusive amenities like wellness and workspaces, high-speed Wi-Fi, and locally inspired food you can enjoy in the lounge or grab to go.

Redemption Options

• Redeem miles for flights, hotels, vacation rentals, and more, with no blackout dates or redemption restrictions.
• 1:1 Mile Transfer: Transfer your miles to top airline and hotel loyalty programs at a 1:1 value.

Fees and APR

• Annual Fee: $395.
• Your balance must be paid in full every month, as this card does not allow carrying a balance.
• Foreign Transaction Fee: None.

Business Perks

• Free Employee Cards: Issue employee cards at no extra cost and earn rewards on their purchases while keeping spending easy to track.
• Spend Limits: Set custom spending limits for employee cards and view transactions as soon as they post.
• Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.
• Flexible Spend Capacity: This card has no preset spending limit and adjusts based on your spending patterns, payment history, and credit profile.
• Automatic Payments: Set up AutoPay to pay your balance automatically, so you don’t have to log in and pay manually each month.
• Year-End Summaries: Get an itemized report of your spending to make budgeting and tax time easier.
• Account Managers: Assign account managers to make purchases and payments, review transactions, and help resolve issues.
• Purchase Records: Easily and securely download your purchase records in multiple formats, including Quicken®, QuickBooks®, and Excel®.
• Transaction Details: Stay on top of your spending with detailed merchant information like addresses, logos, phone numbers, and maps when available.
• Recurring Transactions: Easily view a list of merchants that charge your business card each month, such as subscriptions and recurring bills.
• Capital One Business Travel: Manage business travel in one place by adding employees and setting travel policies, all through Capital One Business Travel.
• 24/7 Customer Support: Get help from Capital One Business representatives who are specially trained to support business owners and answer your questions.
• Easy Vendor Payments: Manage vendor bills by sending and tracking payments directly from your Capital One Business account. Pay by card or ACH bank transfer from any bank, and choose how your vendors receive payments.

Travel Benefits

• Annual Travel Credit: Get a $300 credit each year for travel booked through Capital One Business Travel.
• Global Entry/TSA PreCheck®: Get up to $120 every four years for the application fee.
• Premier Collection: Upgrade your stays at luxury hotels, resorts, and vacation rentals in the Premier Collection. Enjoy a $100 experience credit and other premium benefits with every booking.
• Hertz President’s Circle® Status: Enjoy top-tier rental car perks just for being a Venture X Business cardholder. Skip the counter at select locations, choose from the widest selection of vehicles, and enjoy faster, more flexible rentals.

Purchase Protections

• Purchase Protection: Covers eligible new purchases against damage or theft.
• Extended Warranty Protection: Get extra warranty protection at no cost on eligible items you purchase with your card.

Additional Features

• Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
• Emergency card replacement and a cash advance.
• Security Alerts: Get notified by text, email, or phone if Capital One detects potential suspicious activity on your account.
• Fraud alerts: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Card Lock: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen.
• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.

Terms and Conditions

Click Apply Now to see the terms and conditions.