The Chase Sapphire Reserve Business edges out the The Ritz Carlton Card for most cardholders — it wins on 3 of 4 comparison categories and offers 200,000 pts signup bonus earns more (up to 8x vs 6x). The The Ritz Carlton Card is the better choice if you want no or lower annual fee.
Chase Sapphire Reserve Business vs The Ritz Carlton Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
The Ritz Carlton Card is no longer available for new applicants. Historical data is preserved here for reference.
- Chase Travel (including The Edit) 8x
- Lyft rides 5x
- flights & hotels booked direct 4x
- hotel brands around the world participating in Marriott Bonvoy 6x
- dining, car rentals and airline purchases 3x
- All Other Purchases 2x
- Annual Travel Credit $300
- Stays with the Edit $250
- Priority Pass Select Membership $429
- +1 more
- Annual Travel Credit $300
- Hotel Credit $100
- Chase Sapphire Lounge (~$200/yr)
- The Ritz-Carlton Club Level
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
- United MileagePlus
Common Questions: Chase Sapphire Reserve Business vs The Ritz Carlton Card
Is the Chase Sapphire Reserve Business or The Ritz Carlton Card better for dining?
Chase Sapphire Reserve Business has no dining bonus; The Ritz Carlton Card earns 3x on dining.
Which has the higher signup bonus in 2026?
Chase Sapphire Reserve Business currently offers 200,000 pts signup bonus (spend $30,000 in 3 months). The Ritz Carlton Card offers no current bonus. Chase Sapphire Reserve Business has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Chase Sapphire Reserve Business and the The Ritz Carlton Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Chase, so check their specific application rules.