Editorial take: Chase Ink Business Preferred
The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on shipping, travel, and advertising plus full UR transfer access. A no-brainer for business owners.
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Side-by-side
Chase Ink Business Preferred vs Chase Sapphire Reserve
Both are well-respected travel cards. The Chase Ink Business Preferred comes from Chase at $95/yr; the Chase Sapphire Reserve from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Chase Ink Business Preferred | Chase Sapphire Reserve |
|---|---|---|
| Annual fee | $95 | $795 |
| Sign-up bonus | 100,000 points | 125,000 points |
| Bonus value (est.) | $2,000 | $2,500 |
| Min spend to unlock bonus | $8,000 in 3 mo | $6,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | travel |
| Best earning category (Travel) | 3x | 5x |
| Transfer partners | chase-ur | chase-ur |
| Headline benefits |
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Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 points
Read the full review
Chase Sapphire Reserve
$795/yr · 125,000 points
Editorial take: Chase Sapphire Reserve
Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Preferred or Chase Sapphire Reserve?
- The Chase Sapphire Reserve has the bigger bonus — 125,000 points, worth roughly $2,500, versus 100,000 points (~$2,000) on the Chase Ink Business Preferred.
- Is the Chase Ink Business Preferred's $95 annual fee worth it compared to the Chase Sapphire Reserve?
- At $95/yr, the Chase Ink Business Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Sapphire Reserve's — pick the one whose perks you'll actually use.
- Can I have both the Chase Ink Business Preferred and Chase Sapphire Reserve?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Chase Ink Business Preferred or the Chase Sapphire Reserve first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Preferred: $8,000 spend in 3 months. Chase Sapphire Reserve: $6,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.