When you’re contemplating your subsequent card software, two choices from Chase could entice you.
The Ink Business Preferred® Credit Card (see rates and fees) and Chase Sapphire Reserve® (see rates and fees) are each in style rewards playing cards that include their very own suite of perks and key variations — like the truth that the Ink Enterprise Most popular is a business card and the Sapphire Reserve is a premium travel card.
Whereas the Sapphire Reserve incorporates a flashy identify and high-end perks, the sensible perks of the Ink Enterprise Most popular may make extra sense for a lot of wallets.
Listed here are six causes you could need to accumulate priceless Chase Ultimate Rewards points with the Ink Enterprise Most popular over the Sapphire Reserve.
You are not eligible for the Sapphire Reserve’s welcome bonus
Probably the greatest methods to earn a haul of factors is by gathering a welcome bonus. With Chase’s adjustments to Sapphire bonus eligibility in 2025, incomes a welcome supply with the Sapphire Reserve has turn out to be more difficult.
That is as a result of should you’ve already earned a welcome bonus on the Sapphire Reserve, or should you at the moment maintain the Chase Sapphire Preferred® Card (see rates and fees), you’ll most definitely not be eligible to obtain the Sapphire Reserve’s bonus.
That might sting as a brand new Sapphire Reserve applicant, since new cardholders can earn 100,000 bonus factors plus a $500 Chase Journey℠ promo credit score* after spending $5,000 within the first three months from account opening. That is price as much as $2,550, per TPG’s August 2025 valuations.
*Be aware that the phrases for the journey credit score state: The promotional credit score is legitimate for a one-time use solely, should you apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining stability.
In the meantime, new Ink Business Preferred cardholders can earn 90,000 bonus factors after spending $8,000 within the first three months after account opening. TPG’s valuations deem this bonus price $1,845.
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Whereas the Ink Business Preferred bonus has a better spending requirement, it has fewer restrictions than the Sapphire Reserve. Plus, the Ink Enterprise Most popular gives a stellar supply for a $95 annual charge, particularly when in comparison with the Sapphire Reserve’s $795 annual charge.
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You worth simplicity and do not need to pay a excessive annual charge
Talking of annual charges, you could choose the Ink Business Preferred just because its $95 annual charge is considerably lower than the $795 charge that comes with the Sapphire Reserve.
The Ink Enterprise Most popular is a strong business card that earns Chase Ultimate Rewards points. It is a greater possibility for easy spenders who aren’t serious about preserving monitor of a number of assertion credit, for the reason that Sapphire Reserve gives a long list of such benefits meant to offset its excessive charge.
If a sky-high annual fee is not your desire, you are higher off with the Ink Enterprise Most popular.
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You steadily spend on common journey and choose enterprise classes
The Ink Business Preferred‘s bonus classes are strong for a $95-annual-fee card. It is a nice possibility if you wish to rack up valuable Chase points.
With the Ink Enterprise Most popular, you may earn 3 factors per greenback on the primary $150,000 spent on mixed purchases within the following classes every account anniversary 12 months:
- Promoting purchases made with social media websites and search engines like google
- Web, cable and telephone providers
- Delivery
- Journey
The Sapphire Reserve additionally gives travel-related bonus classes. With this card, you may earn:
- 8 factors per greenback spent on purchases made by Chase Journey
- 4 factors per greenback spent on flights and motels booked immediately
The important thing facet the place the Ink Enterprise Most popular pulls forward is the inclusion of a general travel class.
Positive, the Sapphire Reserve earns 8 factors per greenback spent on journey booked inside its portal and 4 factors per greenback spent on motels and flights booked immediately, however every other common journey buy will usher in simply 1 level per greenback.
The Ink Enterprise Most popular, in the meantime, earns 3 factors per greenback spent on journey purchases comparable to buses, campgrounds, automobile rental companies, cruise strains, ferries, parking tons and garages, taxis, and extra.
So, if you end up steadily reserving journey past motels and flights and outside of Chase Travel, you may get a greater return in your spending with the Ink Enterprise Most popular.
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You do not redeem factors by Chase Journey typically
The factors you may earn from the Ink Business Preferred and Sapphire Reserve are transferable to the identical 14 loyalty program partners and may be maximized in that means.
The Ink Enterprise Most popular and Sapphire Reserve each have entry to Chase’s Points Boost feature, which permits cardholders to redeem their factors by Chase Travel for as much as 1.75 or 2 factors per greenback in worth, respectively, for choose flight and resort bookings made by the portal.
When you go for the Ink Enterprise Most popular, you could be leaving some worth on the desk. That is as a result of the utmost worth of your factors by Factors Enhance is greater with the Sapphire Reserve.
However, should you’d somewhat leverage switch companions on your redemptions (which is a good way to satisfy and even exceed TPG’s full August 2025 valuation of Chase factors at 2.05 cents apiece), you then’re on even footing with the Ink Enterprise Most popular and Sapphire Reserve.
As an example, you may switch 40,500 Final Rewards factors to Iberia Membership to guide a one-way business-class flight to or from Madrid on Iberia. For the reason that money worth for this flight is $3,258, you are getting an unbelievable 8 cents per level in worth.
And, with the Ink Enterprise Most popular, you may pay $700 much less in annual charges to have the very same switch choices together with your factors.
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You need cellphone safety
Whereas the Sapphire Reserve gives a number of perks, it falls brief on a key profit the Ink Business Preferred contains: cellphone protection.
Ink Enterprise Most popular cardholders (and staff in the event that they select) obtain as much as $1,000 in protection for theft or damages per declare, supplied the quantity is listed on their month-to-month invoice they usually pay their invoice with their card. There is a restrict of three claims per 12-month interval, with a $100 deductible per declare.
If telephone safety is a crucial profit for you, the Ink Enterprise Most popular is the plain alternative.
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You have already got a luxurious journey card
In case you have The Platinum Card® from American Express and discover that its luxurious perks — like lounge entry, elite standing and assertion credit (enrollment required; phrases apply) — are sufficient for you, you could not want so as to add one other high-annual-fee card just like the Sapphire Reserve to your price range.
The Ink Business Preferred lets you earn Chase factors at a excessive return and comes with strong journey and buy protections at a extra modest annual charge.
In case your card setup is not lacking a premium card, you could not want the Sapphire Reserve anyway.
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Backside line
Your distinctive state of affairs performs a key position in whether or not you would be higher off with the Ink Business Preferred over the Chase Sapphire Reserve. As with all Chase card, simply ensure you are below 5/24 and meet different application requirements for approval.
Bear in mind, there are numerous methods to qualify for a business card, comparable to facet hustles and freelancing gigs. So, do not depart the Ink Enterprise Most popular on the desk merely since you aren’t a conventional small-business proprietor. The cardboard is a strong possibility for many individuals.
To study extra, see our full review of the Chase Ink Business Preferred.
Apply right here: Ink Business Preferred Credit Card
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