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How to use the Sapphire Reserve for Business Credits and status after $120,000 spend

The Chase Sapphire Reserve for Business Credits and status after $120,000 spend is worth After $120,000 spend. It resets every December 31, and unused value in a window doesn’t carry into the next one. The current window closes December 31, 2026.

ValueAfter $120,000 spend
ResetsCalendar year
This window closesDecember 31, 2026

What it is

After $120,000 in purchases in a calendar year: World of Hyatt Explorist status, IHG One Rewards Diamond Elite status, Southwest Rapid Rewards A-List status, up to $500 in statement credits at The Shops at Chase, and up to $500 in statement credits for Southwest Airlines flights booked through Chase Travel. Benefits last for the rest of the year you qualify and through the following calendar year. Spend-gated. Leftover stays $0 until you hit $120,000.

Summarized from Chase’s published terms, checked November 11, 2026. Terms change — confirm details with Chase before you rely on them.

When it resets

One window per calendar year, ending December 31.

The current window closes on December 31, 2026 — 49 days from today.

How not to lose it

  • This resets with the calendar year. December is when most people remember, so book early if availability is limited.
  • Don’t wait for the last day. Statement credits can take days to post, and a purchase that settles after the window closes may not count.
  • Check how you book. The terms tie this credit to a specific booking channel, and other channels won’t trigger it.
  • Pay with the Sapphire Reserve for Business. The credit only follows purchases charged to the card that carries it.

Quick answers

How much is the Sapphire Reserve for Business Credits and status after $120,000 spend?

After $120,000 spend. After $120,000 in purchases in a calendar year: World of Hyatt Explorist status, IHG One Rewards Diamond Elite status, Southwest Rapid Rewards A-List status, up to $500 in statement credits at The Shops at Chase, and up to $500 in statement credits for Southwest Airlines flights booked through Chase Travel. Benefits last for the rest of the year you qualify and through the following calendar year. Spend-gated. Leftover stays $0 until you hit $120,000.

When does the Sapphire Reserve for Business Credits and status after $120,000 spend reset?

One window per calendar year, ending December 31. The current window closes on December 31, 2026.

How do I remember to use the Sapphire Reserve for Business Credits and status after $120,000 spend?

Add the Sapphire Reserve for Business to CardSmart, a free iPhone and Android app. It shows which credits are still unused and reminds you before each window closes. No card number or bank login needed.

Other Sapphire Reserve for Business credits