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 contains a flashy title and high-end perks, the sensible perks of the Ink Enterprise Most popular may make extra sense for a lot of wallets.
Listed below are six causes you might need to accumulate precious 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 amassing a welcome bonus. With Chase’s modifications to Sapphire bonus eligibility in 2025, incomes a welcome supply with the Sapphire Reserve has grow to be more difficult.
That is as a result of in the event you’ve already earned a welcome bonus on the Sapphire Reserve, or in the event 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 value 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, in the event you apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining steadiness.
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 value $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 offers a stellar supply for a $95 annual price, particularly when in comparison with the Sapphire Reserve’s $795 annual price.
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You worth simplicity and do not need to pay a excessive annual price
Talking of annual charges, you might favor the Ink Business Preferred just because its $95 annual price is considerably lower than the $795 price that comes with the Sapphire Reserve.
The Ink Enterprise Most popular is a stable business card that earns Chase Ultimate Rewards points. It is a greater choice for easy spenders who aren’t curious about maintaining monitor of a number of assertion credit, for the reason that Sapphire Reserve offers a long list of such benefits meant to offset its excessive price.
If a sky-high annual fee is not your choice, you are higher off with the Ink Enterprise Most popular.
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You continuously spend on normal journey and choose enterprise classes
The Ink Business Preferred‘s bonus classes are stable for a $95-annual-fee card. It is a nice choice 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 and yahoo
- Web, cable and cellphone companies
- Delivery
- Journey
The Sapphire Reserve additionally offers travel-related bonus classes. With this card, you may earn:
- 8 factors per greenback spent on purchases made via Chase Journey
- 4 factors per greenback spent on flights and lodges booked instantly
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 lodges and flights booked instantly, however another normal journey buy will herald simply 1 level per greenback.
The Ink Enterprise Most popular, in the meantime, earns 3 factors per greenback spent on journey purchases similar to buses, campgrounds, automobile rental companies, cruise traces, ferries, parking tons and garages, taxis, and extra.
So, if you end up continuously reserving journey past lodges 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 via 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 approach.
The Ink Enterprise Most popular and Sapphire Reserve each have entry to Chase’s Points Boost feature, which permits cardholders to redeem their factors via Chase Travel for as much as 1.75 or 2 factors per greenback in worth, respectively, for choose flight and resort bookings made via the portal.
When you go for the Ink Enterprise Most popular, you might be leaving some worth on the desk. That is as a result of the utmost worth of your factors via Factors Increase is increased with the Sapphire Reserve.
However, in the event you’d relatively 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), then you definitely’re on even footing with the Ink Enterprise Most popular and Sapphire Reserve.
As an example, you could possibly switch 40,500 Final Rewards factors to Iberia Membership to guide a one-way business-class flight to or from Madrid on Iberia. Because the money value 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 along with your factors.
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You need cellphone safety
Whereas the Sapphire Reserve offers a number of perks, it falls quick 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, offered the quantity is listed on their month-to-month invoice and so they pay their invoice with their card. There is a restrict of three claims per 12-month interval, with a $100 deductible per declare.
If cellphone 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
If 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 might 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 means that you can earn Chase factors at a excessive return and comes with stable journey and buy protections at a extra modest annual price.
In case your card setup is not lacking a premium card, you might 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 every Chase card, simply make certain you are below 5/24 and meet different application requirements for approval.
Keep in mind, there are lots of methods to qualify for a business card, similar to aspect hustles and freelancing gigs. So, do not go away the Ink Enterprise Most popular on the desk merely since you aren’t a standard small-business proprietor. The cardboard is a stable choice 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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