Chase Sapphire Reserve vs. Ink Business Preferred: Credit Card Comparison

Credit cards that earn Chase Ultimate Rewards points are among the best value credit cards on the market, thanks to their broad range of rewards categories and flexible redemption options. Earn fully transferable Ultimate Rewards points on your own with three Chase credit cards: Chase Sapphire Preferred® Card, Chase Sapphire Reserve® and the Ink Business Preferred® Credit Card.

Sapphire Preferred and Sapphire Reserve are personal credit cards, of which Reserve is an advanced option. It offers additional reward categories, benefits such as lounge access and up to $300 in annual travel credits. The Ink Business Preferred, on the other hand, is a small business credit card and the only Chase business card that earns fully transferable Ultimate Rewards points.

Today, we’re comparing the Chase Sapphire Reserve and the Ink Business Preferred to see which card is better for your wallet and your most common purchases.

Chase Sapphire Reserve vs Ink Business Preferred Compare

Point master
card Chase Sapphire Reserve The first choice for ink business
Sign up bonus Earn 75,000 bonus points when you spend $4,000 in purchases within the first three months of account opening Earn 100,000 points after spending $8,000 in the first three months of account opening
Award Category Earn 10 points per $1 on hotel and car rental purchases with Chase Travel℠

Earn 10 points for every $1 spent on food and beverage purchases with Chase Ultimate Rewards

Earn 10 points per $1 spent on Lyft rides (through March 2025)

Earn 10 points for every $1 spent on Peloton gear and accessories over $150 (total earned through March 31, 2025, up to 50,000 points)

Earn 5 points per $1 on flights purchased through Chase Travel

Earn 3 points per $1 spent worldwide on all other travel (excluding $300 travel credit) and dining purchases*

1 point per $1 on all other items

*Please note that card members will not earn any points on the first $300 they spend on travel purchases each year, as this will trigger the card’s $300 travel credit

Each cardmember earns 3 points per dollar per year on the first $150,000 in combined purchases in the following categories: transportation purchases, internet service, cable service, phone service, travel, and social media and search engine advertising

Earn 1 point per $1 purchased on these and all other purchases over the $150,000 threshold

annual fee $550 $95
Points redemption value Travel Portal 1.5 cents per point Travel portal 1.25 cents per point
Other benefits Up to $300 in annual travel credits

Priority passes and Club Sapphire Lounge access

Reimburse Global Entry, TSA PreCheck, or Nexus for filing fees—every four years

Free two-year Lyft Pink All Access membership (activate by December 31)

Free one year (minimum) of DashPass membership (ends December 31st) plus $5/month in DoorDash credits

Free one-year Instacart+ membership and up to $15 monthly Instacart bill credit (ends July 31)

Extensive travel and purchase protection

cell phone protection

Multiple travel and purchase protection

Additional card fees $75 each $0

Both cards have a lot of features, and which one is better for you depends on your business spending habits. Before making your decision, consider the following factors.

Chase Sapphire Reserve and Ink Business Preferred Welcome Bonus

Currently, the Chase Sapphire Reserve offers 75,000 bonus points after you spend $4,000 in purchases within three months of account opening. TPG values ​​Ultimate Rewards points at 2.05 cents each, making this offer worth $1,538.

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Meanwhile, Ink Business Preferred currently offers an impressive 100,000 bonus points after you spend $8,000 in purchases within the first three months of account opening. According to TPG’s valuation, the bonus is worth $2,050. This spending requirement is double the Sapphire Reserve, but many small businesses have enough spending to easily meet it.

As always, be aware of each card’s eligibility restrictions before applying. Both are Chase cards, so they both adhere to the 5/24 rule. Additionally, if you already have a Sapphire card or have received any Sapphire card new cardmember bonus within the past 48 months, you will not be eligible for the Sapphire Reserve Bonus.

winner: The first choice for ink business. Even with the higher spending requirements, the bonus is $400 more than Reserve.

Related: The best time to apply for these popular travel cards based on offer history

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Chase Sapphire Reserve and Ink Business Preferred Benefits

The Chase Sapphire Reserve has an annual fee of $550 but comes with a range of great premium benefits:

The Chase Sapphire Reserve’s most valuable perks are a $300 travel credit, airport lounge access and impressive travel protection. If you travel frequently, these perks may benefit Sapphire Reserve.

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Ink Business Preferred has a much lower annual fee of $95, but offers more limited benefits:

  • No additional charge for employee cards
  • cell phone protection
  • Travel protection, including lost or delayed baggage protection and trip cancellation/interruption insurance
  • Extended warranty and purchase protection

While the Ink Business Preferred has a shorter list of benefits than the Sapphire Reserve, you still get valuable protection, including mobile protection for you and every authorized user on the account, which you can add for free. these protections. If you don’t travel often enough to take advantage of Sapphire Reserve’s travel benefits, you may find that the benefits are enough to meet your needs.

winner: Sapphire Reserve. Travel benefits and bill points far exceed the benefits of the Ink Business Preferred.

Related: Is the Chase Sapphire Reserve Worth the Annual Fee?

Earn points with Chase Sapphire Reserve and Ink Business Preferred

With the Chase Sapphire Reserve, purchase restaurants and car rentals with Chase Travel, dining, Lyft rides with Chase Ultimate Rewards (through March 31, 2025) and purchases over $150 in Peloton equipment and accessories (through 2025 On March 31, 2019, you can earn up to 50,000 total points).

Earn 5 points per dollar on flight purchases through Chase Travel; 3 points per dollar on qualifying travel worldwide (excluding $300 in travel credits) and dining purchases; and 3 points per dollar on all other purchases. 1 point.

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Also, each cardmember will earn 3 Ink Business Preferred points per dollar on the first $150,000 in combined annual purchases across travel, transportation, Internet, cable and phone services, and social media and search engine advertising. Earn 1 point per $1 purchased on these and all other purchases over the $150,000 threshold.

winner: tie. A better income structure will depend entirely on your spending habits. If you’re spending a lot of money on travel and dining, Sapphire Reserve is the place for you. On the contrary, the preferred ink business has a better revenue structure if you spend most of your budget on purchasing its bonus categories.

Related: What products will earn you 3 points per $1 with Ink Business Preferred?

Redeem points with Chase Sapphire Reserve vs. Ink Business Preferred

Both the Chase Sapphire Reserve and the Ink Business Preferred earn transferable Chase Ultimate Rewards points, and your most valuable redemption option is to transfer your points from either card to one of Chase’s 14 hotel and airline partners .


You can also choose to redeem points by booking travel through the Chase travel portal, where points are valued at 1.25 cents per point for the Ink Business Preferred and 1.5 cents per point for the Sapphire Reserve. You can also use Chase’s Pay Yourself Back option to redeem your points for statement points on qualifying purchases at the same price.

Additionally, you can redeem points using gift cards or bill points at a rate of 1 cent per point. This is your least valuable exchange option, but your best option if you need flexibility.

winner: Chase Sapphire Reserve. Higher redemption values ​​through the Chase Travel Portal and Pay Yourself Back give it an edge.

Related: How to Redeem Chase Ultimate Rewards Points for Maximum Value

Transfer points with Chase Sapphire Reserve vs. Ink Business Preferred

Both the Chase Sapphire Reserve and the Ink Business Preferred allow you to transfer points to any of Chase’s 14 airline and hotel partners. You can get great value from partners like Virgin Atlantic Flying Club, Iberia Plus, United MileagePlus and World of Hyatt.

Clint Henderson/Point Guard

TPG Content Director Summer Hull likes to transfer her Chase Ultimate Rewards points to World of Hyatt and use them to book Hyatt resorts and high-end city hotels. Personally, I like to stretch my points by transferring them to Southwest Rapid Rewards and booking cheap flights during Southwest’s seasonal sales.

Whether you travel primarily domestically or internationally, you’ll find valuable exchange opportunities through Chase’s transfer partners.

winner: tie. Both cards allow you to transfer points to Chase’s travel partners.

Related: A Complete Guide to Chase Ultimate Rewards Transfer Partners

Should I choose Chase Sapphire Reserve or Ink Business Preferred?

If your business involves a lot of travel and dining, you’ll want to choose the Chase Sapphire Reserve to receive travel points and benefits as well as bonus income on travel and dining purchases. However, if you travel a lot and have larger business expenses, the Ink Business Preferred is a better choice.

Related: Chase Sapphire Top Pick vs. Ink Business Top Pick

bottom line

Chase Sapphire Reserve and Ink Business Preferred are both excellent cards. Which one is better for you depends on whether you’re looking for a premium travel card that can help you enhance your travel experience, or a versatile business credit card that gives you rewards in categories that many businesses spend money on regularly. Either way, you can earn great Chase Ultimate Rewards on your business spending.

For more information, see our full reviews of the Chase Sapphire Reserve and Ink Business Preferred.

Apply here: Chase Sapphire Reserve
Apply here: Ink Business Preferred Credit Card

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