With so many fantastic travel rewards credit cards out there, together with some with large welcome bonuses and phenomenal advantages, you may need issue selecting one which fits your wants. The choice can grow to be much more sophisticated if you happen to’re eligible for a small-business credit card, which opens the door to a complete new set of choices.
Two of probably the most priceless mid-tier playing cards from Chase are the Chase Sapphire Preferred® Card (see rates and fees) and the Ink Business Preferred® Credit Card (see rates and fees). They’ve related advantages, together with incomes Chase Ultimate Rewards points, and equivalent $95 annual charges.
They make a strong workforce, however chances are you’ll solely need — or qualify for — one in all them.
Let us take a look at how these playing cards stack up in opposition to one another that can assist you determine whether or not one or each deserve a spot in your pockets.
Sapphire Most popular vs. Ink Enterprise Most popular comparability
| Chase Sapphire Most popular | Chase Ink Enterprise Most popular | |
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$95 |
$95 |
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Earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. |
Earn 100,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. |
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*Booked by way of Airbnb, Vrbo, Plum Information, HomeAway, Homestay.com and Vacasa |
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Sapphire Most popular vs. Ink Enterprise Most popular welcome provide
New Sapphire Preferred cardholders can earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Primarily based on TPG’s June 2026 valuations, this welcome provide is price $2,050. This matches the best provide we have seen in the card’s history.
In the meantime, new Chase Ink Business Preferred cardholders can earn 100,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
Primarily based on TPG’s valuations, this welcome provide can also be price $2,050. That is the usual welcome provide we usually see on this card.
Observe that each playing cards are topic to the 5/24 rule, that means you may’t have opened five or more cards throughout all banks up to now 24 months, otherwise you’ll almost certainly be denied when making use of for both card.
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Lastly, to be eligible for the Ink Enterprise Most popular, you should have a enterprise. Nonetheless, many facet hustles, freelance ventures and restricted legal responsibility corporations qualify.
Winner: Sapphire Most popular. Whereas each playing cards presently provide 100,000-point welcome bonuses, the Sapphire Most popular requires $3,000 much less spending to qualify.
Associated: 5 reasons to get the Ink Business Preferred
Sapphire Most popular vs. Ink Enterprise Most popular advantages
Each playing cards provide phenomenal journey protections which can be fairly related, although the Sapphire Preferred‘s are barely extra complete.
Each playing cards embrace journey cancellation and interruption insurance coverage. With the Ink Business Preferred, you are coated for as much as $5,000 per coated individual for nonrefundable journey bills (as much as $10,000 per journey); the Sapphire Most popular’s protection is double that.
In addition they present equivalent baggage delay insurance and misplaced baggage reimbursement.
One other standout profit is primary rental car coverage, which may prevent the expense and problem of submitting a declare with a rental company or your private auto insurer if one thing goes mistaken. Nonetheless, the Ink Enterprise Most popular’s advantages state that your rental have to be for enterprise functions for this safety to kick in.
Each playing cards spherical out their protections with buy safety and prolonged guarantee protection.
The Ink Enterprise Most popular provides cellphone safety as much as $1,000 (as much as $3,000 per 12-month interval, with a $100 deductible) if you pay your month-to-month wi-fi invoice with the cardboard.
Past journey protections, the Sapphire Most popular provides as much as a $100 annual lodge credit score for bookings made by way of Chase Journey.
Lastly, the Sapphire Most popular additionally supplies not less than one yr of complimentary DoorDash DashPass membership (activate by Dec. 31, 2027) and as much as $10 off month-to-month non-restaurant DoorDash orders.
And the Ink Enterprise Most popular provides free worker playing cards, a fantastic bonus for small companies trying to save on prices.
Winner: Sapphire Most popular. Its advantages outclass these of the Ink Enterprise Most popular.
Associated: Why the Sapphire Preferred remains the top travel rewards card year after year
Incomes factors with the Sapphire Most popular vs. Ink Enterprise Most popular
If you happen to’re searching for a private journey rewards card, the Sapphire Preferred is the stronger on a regular basis possibility.
It earns 3 factors per greenback spent on eating, on-line grocery shops, streaming companies, and fuel and electrical automobile charging, making it the stronger alternative for many customers trying to maximize rewards on common purchases. It additionally earns 2 factors per greenback on a broad vary of journey purchases.
The Ink Business Preferred is the higher catch-all journey card for enterprise homeowners, incomes 3 factors per greenback on journey together with delivery, web, cable and cellphone companies, and social media and search engine promoting. Observe that these elevated incomes charges apply to the primary $150,000 in mixed purchases every account anniversary yr (after which you may earn 1 level per greenback).
If your small business usually exceeds that $150,000 annual cap — significantly on promoting purchases — the Chase Sapphire Reserve for Business℠ (see rates and fees) could also be a greater match. It earns an uncapped 3 factors per greenback on social media and search engine promoting.
Though it carries an annual charge of $795, companies with substantial promoting budgets might be able to offset that price by way of the rewards they earn.
Winner: Tie. The Sapphire Most popular is the stronger on a regular basis card for customers, whereas the Ink Enterprise Most popular is the higher alternative for enterprise homeowners who spend closely on journey and eligible enterprise bills.
Redeeming factors with the Sapphire Most popular vs. Ink Enterprise Most popular
Each playing cards earn Final Rewards factors, a few of the most useful round.
You will maximize the worth out of your factors by transferring them to one in all Chase’s 14 airline and hotel loyalty partners.
Cardholders of both product can even redeem factors immediately for journey by way of Chase Journey to rise up to 1.75 cents per level in worth, with Points Boost (relying on the precise redemption).
Moreover, factors may be redeemed to cowl eligible purchases in choose classes by way of Chase’s Pay Yourself Back characteristic.
Factors may also be used for money again or reward playing cards at a price of 1 cent per level.
Winner: Tie. You will get the identical redemption choices on both card.
Associated: 6 of the best Ultimate Rewards sweet spots
Transferring factors with the Sapphire Most popular vs. Ink Enterprise Most popular
Final Rewards factors may be transferred to 11 airline companions, together with British Airways, Southwest and United, and three lodge packages: IHG One Rewards, Marriott Bonvoy and World of Hyatt.
Most Chase switch companions provide a 1:1 switch ratio, although factors switch to World of Hyatt at a 4:3 ratio from each playing cards.
These switch companions can present nice worth.
I not too long ago transferred 32,000 Final Rewards factors to Air France-KLM Flying Blue to e book two financial system flights from Paris to Washington, D.C. Because of a 20% Chase transfer bonus, I wanted simply 32,000 factors (plus $540 in taxes and costs) as a substitute of 38,000 factors, whereas the identical tickets had been promoting for $3,456.
Winner: Tie. You will get the identical redemption choices on both card.
Associated: 10 best ways to redeem 150,000 Chase Ultimate Rewards points
Ought to I get the Sapphire Most popular or Ink Enterprise Most popular?
First, determine whether or not a private or enterprise bank card higher matches your wants. If you happen to can reap the benefits of the Sapphire Preferred‘s broader bonus classes and stronger journey protections, it could be the higher alternative. Nonetheless, pairing it with the Ink Business Preferred could be a highly effective technique for maximizing Final Rewards earnings.
Backside line
The Chase Sapphire Most popular is the higher alternative for many customers because of its broader on a regular basis bonus classes and stronger journey protections.
Nonetheless, if you happen to personal a enterprise, the Ink Enterprise Most popular may be a superb complement, particularly if you happen to spend closely on journey, delivery, telecommunications companies or promoting.
Since each playing cards earn transferable Final Rewards factors and carry the identical $95 annual charge, many eligible cardholders could discover that holding each is one of the simplest ways to maximise their rewards.
To study extra, learn our full critiques of the Chase Sapphire Preferred and Ink Business Preferred.
Apply right here: Chase Sapphire Preferred
Study extra: Ink Business Preferred
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