Chase Sapphire Preferred vs. Ink Business Preferred: Which card with $95 annual fee should you buy?

Editor’s Note: This is a recurring post, updated regularly with new information and offers.

With so many wonderful travel rewards credit cards to choose from, some with hefty sign-up bonuses and amazing benefits, you might have a hard time choosing the one (or combination) that suits your needs. This can become more difficult if you qualify for a small business credit card, which opens the door to many other options.

Two of Chase’s most valuable mid-tier cards include the Chase Sapphire Preferred® Card and the Ink Business Preferred® Credit Card, which offer similar benefits – including earning Ultimate Rewards points and a $95 annual fee.

While they make a very strong team, you may only want or qualify for one of them – for example, if you’re not looking for a business card or close to Chase’s 5/24 limit. Today, we’ll take a look at how these cards compare to each other and help you decide whether one or both of these cards deserves a spot in your wallet.

Sapphire Preferred vs. Ink Business Preferred Comparison

Chase Sapphire Preferred Chase ink business first choice
annual fee $95 $95
welcome bonus Earn 75,000 bonus points after spending $4,000 in the first three months after opening an account Earn 100,000 bonus points after spending $8,000 within three months of account opening
benefit Earn 5 points per $1 on hotel and car rental purchases with Chase Travel℠

Earn 3 points for every $1 spent on global dining

Earn 2 points per $1 on all other travel

1 point per $1 on all other items

Earn 3 points per $1 on travel, transportation, online, cable, phone, social media and search engine advertising (per account anniversary year), up to $150,000

1 point per $1 on all other items

Trip cancellation/interruption USD 10,000 per person, USD 20,000 per trip USD 5,000 per trip
Travel delay 6 hours, $500 per ticket 12 hours, $500 per ticket
Lost and delayed baggage 6 hours, $100 per day, up to five days

Lost luggage $3,000

6 hours, $100 per day, up to five days

Lost luggage $3,000

car rental insurance basic Mainly used for business purposes
Purchase protection $10,000 per claim, $50,000 per year $10,000 per claim, $50,000 per account
cell phone protection not any Deductible $100, maximum $600 per claim

Sapphire Preferred and Ink Business Preferred Welcome Offer

Chase Sapphire Preferred currently offers a sign-up bonus of 75,000 bonus points when you spend $4,000 within three months of account opening. Currently, the Chase Ink Business Preferred offers 100,000 bonus points after you spend $8,000 in purchases within the first three months.

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TPG values ​​Ultimate Rewards points at 2.05 cents each, making these bonuses worth $1,538 and $2,050 respectively. While the Ink Preferred excels in terms of bonus value, the $8,000 minimum spend requirement can be difficult to meet for some businesses, so you’ll want to consider your spending power when deciding which card to buy.

winner: The first choice for ink business. Its popular offers offer even more value.

Related: A Great All-Around Business Card: Ink Business Preferred Credit Card Review

Advantages of Sapphire Preferred and Ink Business Preferred

Both cards offer very similar levels of exceptional travel protection, although the Sapphire Priority card’s protection is slightly more comprehensive.

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Each card includes trip cancellation and interruption coverage. With Ink Business Preferred, you can get up to $5,000 in prepaid, non-refundable travel expenses per trip. Sapphire Priority covers up to $10,000 per person or $20,000 per trip. The travel delay compensation for Sapphire Preferred is effective within 6 hours, while the travel delay compensation for Ink Business Preferred is effective within 12 hours. Both cards offer up to $500 per ticket in the event of a covered delay.


Baggage delay coverage is the same on both cards: up to $100 per day for up to 5 days if your baggage is delayed or misdirected for more than 6 hours. Lost baggage coverage for both cards is up to $3,000 per passenger.

Both cards also offer primary rental car coverage, which is a huge benefit that reduces the expense and hassle of dealing with an agent or your own insurance if something goes wrong with your rental car. However, the Ink Business Preferred benefit states that your lease must be used for a business purpose for this protection to apply.

winner: Sapphire is preferred. Its benefits outweigh those of the ink business’ top choice.

Related: Chase Sapphire Preferred Credit Card Review

Earn points with Sapphire Preferred and Ink Business Preferred

The earn rates for these cards vary greatly. Chase Sapphire Preferred earns 5 points per $1 on hotel and car rental purchases, plus $1 on a variety of travel products, including flights and hotel stays, as well as taxis, tolls, parking and more. Earn 2 points. The card also earns 3 points per $1 spent on dining worldwide and 1 point per $1 spent on all other purchases, all with no limit.

Ink Business Preferred earns 3 points per dollar on the first $150,000 spent on travel packages each account anniversary year (same category as Sapphire Preferred); Transportation purchases; Internet, wireline and phone services; Through social services Advertising purchases by group media sites and search engines. Earn 1 point per $1 spent on all other items.

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Here are a few things to remember. First, if dining is one of your major expenses, the Chase Sapphire Preferred is your best choice. However, if travel is your main expense, the Ink Business Preferred’s 3 points per dollar bonus is slightly better than the Sapphire Preferred’s 2 points per dollar bonus in that category.

Another consideration is that if you’re a business owner and spend a lot of money on the card’s other bonus categories, you might hit the $150,000 annual cap sooner than you think. Strictly speaking, though, for the Sapphire Preferred to be worth more than the Ink Business Preferred, you’d have to spend $225,000 or more per year on travel shopping instead of paying $150,000 on business cards.

winner: tie. These categories vary widely, and your preference will depend on your spending habits.

Points redemption for Sapphire Priority and Ink Business Priority

Both cards earn Ultimate Rewards points, which are among the most valuable.

Get the best value from your points by transferring them to one of Chase’s 14 airline and hotel loyalty partners.

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Cardholders of either product can also redeem points for travel directly through the Chase travel portal, valued at 1.25 cents each, and can choose to redeem points into eligible categories through Pay Yourself Back.

winner: tie. You’ll get the same redemption options on either card.

Transfer points using Sapphire Preferred and Ink Business Preferred

Ultimate Rewards are transferable to 11 airline partners, including British Airways, Southwest Airlines and United Airlines, as well as three hotel programs: Marriott Bonvoy, World of Hyatt and IHG One Rewards.

Betsy Bryan/Essential Guy

These transfer partners can provide tremendous value. For example, TPG editor Madison Blancaflor can book a last-minute premium economy ticket from New York to Amsterdam with Flying Blue for just 20,500 Ultimate Rewards points through a transfer promotion.

winner: tie. You’ll get the same redemption options on either card.

Should I choose sapphire first or ink business first?

The main factor you should consider is whether you want to carry a personal or business credit card. If you prefer a personal credit card and can take advantage of the Chase Sapphire Preferred’s superior travel protection, not to mention its convenient dining category rewards, it might be a better choice for you.

Still, the Sapphire Preferred and Ink Business Preferred combo is a powerful combination that can push your travel rewards earnings to the highest levels.

bottom line

If you’re trying to decide between the Chase Sapphire Preferred and the Ink Business Preferred, consider whether you want a business or personal card, which category of bonuses you’ll best take advantage of, and which travel coverage is better suited to meet your needs.

These two products are some of the best travel rewards credit cards out there, and carrying both is a great way to keep increasing your points income.

To learn more, read our full reviews of the Chase Sapphire Preferred and Ink Business Preferred.

Apply here: Chase Sapphire Preferred

Apply here: Top choice for ink business

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