Chase Ultimate Rewards factors are among the many most respected available on the market, due to their versatile redemption choices. Chase has a handful of playing cards that earn Final Rewards factors, together with the Chase Sapphire Reserve® (see rates and fees) and the Ink Business Preferred® Credit Card (see rates and fees).
The Sapphire Reserve is Chase’s high private card providing premium perks like lounge access and a number of assertion credit. In the meantime, the Ink Enterprise Most well-liked is a well-liked small-business credit card.
A number of months in the past, the Sapphire Reserve underwent a refresh that utterly overhauled the cardboard, from modified charges and profit modifications to the next annual charge.
Let’s evaluate the Chase Sapphire Reserve and the Ink Enterprise Most well-liked to see which card is the very best match for you.
Chase Sapphire Reserve vs. Ink Enterprise Most well-liked comparability
| Card | Chase Sapphire Reserve | Ink Enterprise Most well-liked |
|---|---|---|
| Welcome bonus | Earn 125,000 bonus factors after spending $6,000 on purchases within the first three months from account opening. | Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. |
| Incomes charges |
Word that you simply will not earn any factors on the primary $300 spent on journey, as that may set off the cardboard’s $300 journey credit score. |
|
| Annual charge | $795 | $95 |
| Factors redemption worth | As much as 2 cents per level, relying on the particular redemption | As much as 1.75 cents per level, relying on the particular redemption |
| Different advantages |
|
|
| Payment for added playing cards | $195 every | $0 |
Each playing cards have a lot to supply, and which is healthier for you is determined by what you are promoting spending habits. Earlier than deciding, think about the elements beneath.
Chase Sapphire Reserve vs. Ink Enterprise Most well-liked welcome bonus
The Chase Sapphire Reserve is at the moment providing new candidates 125,000 bonus factors after they spend $6,000 within the first three months from account opening.
TPG’s August 2025 valuations peg Final Rewards factors at 2.05 cents every, making this supply price a whopping $2,563.
In the meantime, the Ink Business Preferred is at the moment providing new candidates 90,000 bonus factors after they spend $8,000 on purchases within the first three months from account opening.
Based on our valuations, this bonus is price $1,845. That is the usual welcome bonus we usually see on this card.
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This spending requirement is one-third greater than that of the Sapphire Reserve, and it affords fewer factors.
As all the time, be conscious of every card’s eligibility restrictions earlier than making use of. Each are Chase playing cards, in order that they’re topic to the 5/24 rule.
Moreover, you will not be eligible for the Sapphire Reserve’s bonus should you’ve obtained it earlier than or should you at the moment have the Chase Sapphire Preferred® Card (see rates and fees).
Nonetheless, you may nonetheless earn the Sapphire Reserve welcome bonus should you earned the Sapphire Most well-liked bonus prior to now; you simply cannot have the Sapphire Most well-liked open.
With the Ink Enterprise Most well-liked, you will not be eligible for a welcome bonus if in case you have beforehand earned one prior to now 24 months.
Winner: Chase Sapphire Reserve. Its bonus is 35,000 factors increased and requires $2,000 much less in spending.
Associated: Am I eligible for the Chase Sapphire Reserve’s 125,000-point bonus?
Chase Sapphire Reserve vs. Ink Enterprise Most well-liked advantages
The Chase Sapphire Reserve has a hefty $795 annual charge however comes with a stellar set of premium advantages:
- Priority Pass Select membership and entry to Sapphire and choose Air Canada Maple Leaf lounges
- $500 annual assertion credit score for The Edit (as much as $250 biannually; minimal two-night keep required)
- As much as a $300 annual travel credit: This credit score is extremely versatile and triggers on any buy Chase defines as travel
- $300 annual assertion credit score for StubHub or Viagogo (as much as $150 biannually; by means of Dec. 31, 2027)
- $300 annual eating credit score at Sapphire Reserve Exclusive Tables (as much as $150 biannually)
- $120 in annual assertion credit towards Peloton memberships; activation required (by means of Dec. 31, 2027)
- As much as $120 in reimbursement to your software charge for Global Entry, TSA PreCheck or Nexus, as soon as each 4 years
- Complimentary subscriptions to Apple TV+ and Apple Music (by means of June 22, 2027)
- Complimentary minimal one-year DashPass membership (by means of Dec. 31, 2027) and $25 in month-to-month promos
- $10 month-to-month Lyft in-app credit score; doesn’t apply to Wait & Save, bike or scooter rides (by means of Sept. 30, 2027)
- Complimentary IHG One Rewards Platinum Elite standing
- Intensive travel protections, together with rental automotive, misplaced/delayed baggage, emergency evacuation and journey delay/cancellation insurance coverage
- Extended warranty, purchase and return protection
For extra particulars, see our full information on the Sapphire Reserve’s statement credits.
The standout advantages of the Chase Sapphire Reserve are airport lounge entry, a number of assertion credit, computerized elite standing and spectacular journey protections. In case you journey regularly, these perks will seemingly make the Sapphire Reserve a greater possibility.
The worth of all of the assertion credit on the Sapphire Reserve totals over $2,000 yearly if absolutely used. These credit are lifestyle-centered, and most of the people should not have any drawback utilizing them. Even should you use simply half of the credit, that may greater than offset the annual charge.
I take into consideration making use of for this card day by day, however I am debating whether or not I need to pay the $795 annual charge upfront. I do know I may simply recoup the price by means of the journey and leisure credit, particularly since I already pay for Apple Music and Apple TV+, nevertheless it’s nonetheless a big capsule to swallow .
The Ink Business Preferred has a a lot decrease $95 annual fee however comes with a extra restricted set of advantages:
- Worker playing cards at no extra value
- Cellphone protection
- Journey protections, together with misplaced/delayed baggage safety and journey cancellation/interruption insurance coverage
- Prolonged guarantee and buy safety
Whereas the Ink Enterprise Most well-liked’s checklist of advantages is shorter than that of the Sapphire Reserve, you will nonetheless get priceless protections that embody cellphone safety (not provided on the Sapphire Reserve) for you and each licensed consumer on the account. Approved customers could be added for no extra value.
Each playing cards do share advantages like major rental automotive insurance coverage and comparable journey and buy protections. In case you do not want the Sapphire Reserve’s premium perks or journey sufficient, chances are you’ll discover the Ink Enterprise Most well-liked’s strong journey protections and a modest annual charge to be your finest guess.
Winner: Sapphire Reserve. The journey advantages and assertion credit far surpass the advantages on the Ink Enterprise Most well-liked.
Associated: I’m keeping my Chase Sapphire Reserve despite its $795 annual fee. Here’s why
Incomes factors with the Chase Sapphire Reserve vs. Ink Enterprise Most well-liked
With the Chase Sapphire Reserve, you will earn:
- 10 factors per greenback spent on Peloton gear and accent purchases of $150 or extra by means of Dec. 31, 2027 (a 20.5% return based mostly on TPG’s valuations)
- 8 factors per greenback spent on all Chase Journey purchases (16.4%)
- 5 factors per greenback spent on Lyft rides (by means of Sept. 30, 2027) (10.3%)
- 4 factors per greenback spent on flights and inns booked immediately (8.2%)
- 3 factors per greenback spent on dining (6.2%)
- 1 level per greenback spent on all different purchases (2.1%)
Alternatively, the Ink Business Preferred earns:
- 5 factors per greenback spent on Lyft rides by means of Sept. 30, 2027 (10.3%)
- 3 factors per greenback spent on the primary $150,000 of mixed purchases every cardmember yr, then 1 level per greenback spent thereafter within the following classes: transport purchases, web providers, cable providers, cellphone providers, travel, and promoting with social media and search engines like google and yahoo
- 1 level per greenback spent on all different purchases
The Sapphire Reserve is healthier suited for individuals who e-book inns and flights immediately and have excessive eating budgets, as you will earn 4 and three factors per greenback spent, respectively.
Nonetheless, should you spend extra on journey exterior of inns and flights booked immediately, the Ink Enterprise Most well-liked is the higher possibility as you will earn 3 factors per greenback spent. The one caveat is that with the Ink Enterprise Most well-liked, you are restricted to $150,000 in mixed spending to earn 3 factors per greenback spent.
To completely maximize your earnings, you possibly can maintain both cards and even add a 3rd Chase card to create a trifecta.
Winner: Sapphire Reserve. The Sapphire Reserve simply narrowly edges out the Ink Enterprise Most well-liked, because it affords extra bonus classes, is healthier suited to eating and particular journey purchases, and has no spending caps.
Associated: What purchases qualify for 3 points per dollar with the Ink Business Preferred?
Redeeming factors with the Chase Sapphire Reserve vs. Ink Enterprise Most well-liked
Each the Chase Sapphire Reserve and the Ink Business Preferred earn transferable Chase Final Rewards factors.
Your most valuable redemption option is to switch your factors from both card to certainly one of Chase’s 14 hotel and airline partners.
You even have the choice to redeem your factors by reserving journey by means of Chase Journey. Relying on the particular redemption, you will get a worth of as much as 1.75 cents per level with the Ink Enterprise Most well-liked or as much as 2 cents per level with the Sapphire Reserve by means of Chase’s Points Boost feature.
You may as well use Chase’s Pay Yourself Back possibility and redeem your factors for a press release credit score for choose purchases.
Moreover, you may redeem your factors with both card for reward playing cards or a press release credit score at a price of 1 cent per level. That is your least priceless redemption possibility, however good to have should you want flexibility.
Winner: Chase Sapphire Reserve. Its increased redemption worth by means of Factors Increase through Chase Journey offers it the slight edge.
Associated: Why I choose to earn Chase Ultimate Rewards points over Amex Membership Rewards points
Transferring factors with the Chase Sapphire Reserve vs. Ink Enterprise Most well-liked
Each the Chase Sapphire Reserve and the Ink Business Preferred will let you switch your factors to any of Chase’s 14 airline and resort companions.
Companions like Virgin Atlantic Flying Club, Iberia Membership, United MileagePlus and World of Hyatt can supply outsize worth.
I like transferring my Chase factors to Hyatt and utilizing them to e-book inns when the money value is excessive. I simply transferred 6,500 factors to Hyatt for an evening on the Hyatt Place Amsterdam Airport, which might have value me over $200.
Moreover, for flights, I usually switch my factors to Southwest Rapid Rewards and e-book low-cost flights throughout its seasonal gross sales on nonstop routes that always require a layover on every other airline.
Whether or not you primarily journey domestically or overseas, you will discover priceless redemption alternatives with Chase’s switch companions.
Winner: Tie. Each playing cards will let you switch your factors to Chase’s journey companions.
Associated: Chase Ultimate Rewards to lose Emirates Skywards as a transfer partner Oct. 16
Ought to I get the Chase Sapphire Reserve or Ink Enterprise Most well-liked?
In case you journey usually or choose premium perks, it is best to go for the Chase Sapphire Reserve for its airport lounge entry, journey advantages, assertion credit, and its bonus-earning classes. In case you do not journey a lot, nevertheless, and spend extra of your cash on enterprise bills, it is best to go for the Ink Business Preferred.
Associated: Chase Sapphire Preferred vs. Ink Business Preferred
Backside line
The Chase Sapphire Reserve and Ink Enterprise Most well-liked are each glorious playing cards. Which one is finest for you is determined by whether or not you are in search of a premium travel card to raise your journey experiences or a flexible enterprise bank card that may reward you in classes the place many companies spend cash frequently.
Both approach, you may’t go fallacious incomes super-valuable Chase Final Rewards factors in your spending.
To study extra, please see our full critiques of the Chase Sapphire Reserve and Ink Business Preferred.
Apply right here: Chase Sapphire Reserve
Apply right here: Ink Business Preferred Credit Card