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Chase Sapphire Reserve for Business statement credits: What they are and how to use them

    The

    Gift cards

    Cardholders can receive an up to $50 biannual Giftcards.com statement credit (through Oct. 31, 2028). To use the credit, go to this site, select a gift card and pay with your Sapphire Reserve for Business.

    Some popular merchants include Chipotle, DoorDash, Lululemon, Nordstrom, Panera and Ulta Beauty.

    A display rack full of gift cards
    SUMMER HULL/THE POINTS GUY

    This credit is very straightforward, and most should have no trouble using it. You could use it to show employee appreciation or treat your team to lunch.

    Pro tip: Activate Rakuten before purchasing your gift card so you can earn additional cash back.

    Related: What credit cards should you use to purchase gift cards?

    Earned credits

    The Sapphire Reserve for Business also allows cardholders to earn additional statement credits after spending $120,000 or more in a calendar year. After you meet this spending threshold, you’ll earn a $500 Shops at Chase credit and a $500 Southwest Airlines credit.

    A Southwest plane at BWI
    A Southwest Airlines Boeing 737 at Baltimore/Washington International Thurgood Marshall Airport (BWI). SEAN CUDAHY/THE POINTS GUY

    These credits don’t represent great returns on your spending, so it’s not worth going out of your way to try to earn them. However, if you can meet this spending requirement organically, they are a nice bonus.

    Bottom line

    The Sapphire Reserve for Business provides numerous statement credits; even if you only use a fraction of them, you could still recoup your annual fee. Plus, the card has premium perks like lounge access and travel protections, making it an excellent option to consider adding to your wallet.

    To learn more, read our full review of the Chase Sapphire Reserve for Business.

    Apply here: Chase Sapphire Reserve for Business

    Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.