Chase is shaking things up for Chase Sapphire Reserve for Business℠ cardholders, and depending on how you use the card, the changes could be good news or a bit of a disappointment.

Starting in 2027, cardholders will get more hotel credits to put toward luxury stays. But there’s also a new spending cap coming for businesses that earn bonus points on advertising purchases.

Here’s a look at what’s changing and what it means for your rewards.

 

Chase Doubles The Annual Edit Hotel Credit to $1,000

If you love a luxury hotel stay, this one’s for you. Starting January 1, 2027, Chase is doubling the Sapphire Reserve for Business℠ card’s annual The Edit hotel credit from $500 to $1,000.

Right now, cardholders can get up to $500 in statement credits each year when booking eligible stays through The Edit by Chase Travel, with a maximum of $250 per transaction.

Under the new updated benefit, cardholders will get two more $250 credits each calendar year, bringing the total to $1,000. Of course, there’s a catch, though. You’ll need to book at least four separate stays to use all four credits, and each booking must be for a prepaid stay of at least two nights.

Still, if you’re already booking luxury hotels throughout the year, the extra $500 in credits could help offset the card’s $795 annual fee, which isn’t changing.

Related: Perks of High-Annual-Fee Credit Cards

 

Chase Introduces a $1 Million Spending Cap on Advertising

Now for the not-so-great news, especially if your business spends a lot on advertising.

Currently, the Sapphire Reserve for Business℠ earns an unlimited three Chase Ultimate Rewards points per dollar spent on eligible social media and search engine advertising purchases.

Starting November 15, 2026, Chase is introducing a $1 million spending cap on this bonus category each account anniversary year. Once you hit that threshold, the additional eligible advertising purchases rate will drop down to just one point per dollar spent.

To put that into perspective, let’s say your business spends $1.5 million annually on eligible advertising. Under the current structure, you’d earn 4.5 million points. With the new cap, you’d earn just 3.5 million points—a difference of a whopping 1 million points.

Of course, if your business spends less than $1 million annually on advertising, you won’t notice a difference in your earning rates.

 

Bottom Line

These changes are a bit of a mixed bag for Sapphire Reserve for Business℠ cardholders. If you regularly book luxury hotels, the additional $500 in annual credits is a nice perk, especially since the card’s annual fee isn’t going up.

On the flip side, businesses with hefty advertising budgets could miss out on a fat stack of points once the new spending cap kicks in.

Ultimately, how these changes affect you will depend on how you use your card. If you can take advantage of the extra hotel credits without losing out on advertising rewards, this is a net win.