Chase Sapphire Reserve Business Card vs. Ink Business Preferred Card [Detailed Comparison]

For many, business credit cards serve numerous purposes. They are a great way to manage cash flow, track spending, and keep business and personal expenses separate.

However, many business credit cards can also double as rewards-earning cards. Two popular business options include the Ink Business Preferred^® Credit Card and the Sapphire Reserve for Business℠.

Both of these cards offer fantastic welcome bonus offers, elevated earning potential, enticing benefits, solid redemption rates, and multiple ways to redeem the points earned.

Here’s an overview of the Chase Sapphire Reserve Business card and the Ink Business Preferred card, along with a comparison of their features.

Card Overview

Here’s an overview of our featured cards: the Chase Sapphire Reserve Business card and the Ink Business Preferred card.

Welcome Bonus Offer Comparison

After meeting the minimum spending requirements on each of these cards, you receive a welcome bonus offer. Here’s a quick overview of the welcome offers for the Chase Sapphire Reserve Business card and the Ink Business Preferred card:

Chase Sapphire Reserve Business Card

NEW OFFER

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

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Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

18.24% - 26.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

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Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: 18.24% - 26.24% Variable
• Foreign Transaction Fees: None

Ink Business Preferred Card

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

90,000 points

UP's Offer Valuation*:

$1,800

Annual Fee

$95

APR

19.99% - 25.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

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Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 19.99% - 25.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Earning Potential

Both the Chase Sapphire Reserve Business card and the Ink Business Preferred card earn Chase Ultimate Rewards points.

The Chase Sapphire Reserve Business card earns 8x points on Chase Travel for airline tickets and hotels, including The Edit by Chase Travel, car rentals, cruises, activities, and tours; 5x points on Lyft rides through September 30, 2027; 4x points on flights and hotels booked directly; and 3x points on social media and search engine advertising.

The Ink Business Preferred card earns 5x points on Lyft through September 30, 2027, and 3x points on the first $150,000 spent on travel and select business categories (shipping purchases; social media and search engine advertising; and internet, cable and phone services) every account anniversary year.

Both of our featured cards offer solid earning opportunities. The cards have some overlap, including 5x points on Lyft (through September 30, 2027) and 3x points on social media and search engine advertising.

If you’re a frequent traveler, the Chase Sapphire Reserve Business card’s elevated 4x points on flights and hotels booked directly present a fantastic earning potential.

Meanwhile, the Ink Business Preferred card rewards broader spending categories with its 3x points on the first $150,000 spent on travel and select business categories.

Redemption Options

We value Chase Ultimate Rewards points at 2 cents per point, which is among the highest values for any transferable rewards currency.

However, how you redeem these points and miles ultimately determines how much value you can get. Fortunately, both cards offer several redemption options.

Although both cards offer multiple redemption options, transferring points to airline and hotel transfer partners is typically the most effective way to redeem the points.

Comparing Card Credits

The Chase Sapphire Reserve Business card has a $795 annual fee, significantly higher than the Ink Business Preferred card’s annual fee of $95. However, it also has notable credits that can help offset the card’s annual fee, including:

• Up to $300 annual travel credit
• Up to $500 annual The Edit by Chase Travel credit
  • 2025: $500 in annual statement credits, $250 statement credit January through June, and $250 July through December (2-night minimum stay required)
  • 2026: $500 annual statement credit that can be used throughout the year (2 separate transactions of $250 are required)
• Up to $120 Global Entry, TSA PreCheck, or NEXUS application fee statement credit every 4 years
• Up to $400 annual ZipRecruiter credit ($200 biannually)
• Up to $200 annual Google Workspace credit
• Up to $300 annual DoorDash credit (2 monthly $10 nonrestaurant promos and 1 monthly $5 restaurant promo)
• Up to $120 annual in-app Lyft credits through September 30, 2027 (up to $10 monthly)
• Up to $100 on Giftcards.com ($50 biannually)
• $120 statement credit for Global Entry, TSA PreCheck, or NEXUS every 4 years

After spending $120,000 on purchases in a calendar year, you also receive these benefits for the remainder of the year through the following calendar year:

Together, all these Chase Sapphire Reserve Business card credits can easily cover the card’s annual fee.

The Ink Business Preferred card does not offer any major statement credits besides the $10 DoorDash nonrestaurant monthly credit.

Travel Benefits

Travel benefits are another major consideration when it comes to travel rewards cards. Here is how our featured cards compare.

Airline Benefits

The Chase Sapphire Reserve Business card grants holders A-List status on Southwest Airlines after spending $120,000 in a calendar year.

The Ink Business Preferred card has no airline-specific benefits.

Airport Lounge Access

Airport lounge access is a major travel perk, usually reserved for premium cards. The Chase Sapphire Reserve Business card provides access to Chase Sapphire Lounge by The Club and complimentary Priority Pass Select membership.

The Ink Business Preferred card does not provide complimentary airport lounge access.

Hotel Program Benefits

The Chase Sapphire Reserve Business card provides cardholders with complimentary IHG One Rewards Platinum Elite status (through December 31, 2027). Cardholders who spend at least $120,000 on their card in a year are upgraded to IHG One Rewards Diamond Elite status.

Chase Sapphire Reserve Business cardholders also have access to The Edit by Chase Travel.

Ink Business Preferred cardholders can book hotels directly through the Visa Signature Luxury Hotel Collection and receive several benefits (at over 900 properties worldwide), including complimentary daily breakfast for 2, late checkout, an upgraded room (subject to availability), free Wi-Fi, and food and beverage credits.

Car Rental Benefits

The Chase Sapphire Reserve Business card is a Visa Infinite card that provides special car rental benefits, including status and discounts on qualifying rentals with Avis, Hertz, and National.

The Ink Business Preferred card does not have any rental car discounts or elite benefits.

Points Boost

Using Points Boost, Chase Sapphire Reserve Business cardholders’ points are worth up to double when they book hotels through The Edit by Chase Travel. They’re also worth up to double for many other hotels and flights from certain airlines booked through Chase Travel.

With Points Boost, Ink Business Preferred cardholders can redeem points for up to 1.5 cents per point for certain hotels and up to 1.75 cents per point for flights with certain airlines through Chase Travel. Redemptions through Chase Travel are 1 cent per point otherwise.

Reserve Travel Designers

Chase Sapphire Reserve Business cardholders also have access to Reserve Travel Designers, which means they can book a custom trip with the help of a Chase travel designer for no added cost.

The Ink Business Preferred card does not have this perk.

Travel Protections

Chase Sapphire Reserve Business cardholders receive primary auto rental coverage when renting for business purposes, trip interruption and cancellation insurance, trip delay reimbursement, delayed and lost luggage reimbursement, travel accident insurance, roadside assistance, and Visa Infinite Concierge.

The Ink Business Preferred card grants primary rental car coverage for business-related and international car rentals (secondary coverage for personal rentals in the U.S.), trip interruption and cancellation insurance, trip delay reimbursement, delayed and lost luggage reimbursement, travel accident insurance, roadside assistance, and 24/7 emergency travel assistance and travel concierge services.

This is a general list of travel protections for our featured cards. To find a more detailed list of all protections, check the terms and conditions for each coverage in each card’s guide to benefits.

Shopping Protections

The Chase Sapphire Reserve Business card provides return protection (up to $500 per item within 90 days of purchase, up to $1,000 per
12-month period), extended warranty protection, purchase protection (up to $10,000 per item), and cell phone protection (up to $1,000 per claim against covered theft or damage for cell phones paid with the card).

The Ink Business Preferred card offers purchase protection (up to $10,000 per item), extended warranty, and cell phone protection (up to $1,000 per claim against covered theft or damage, with a maximum of 3 claims in a 12-month period, with a $100 deductible per claim).

The Chase Sapphire Reserve Business card provides zero-liability protection, where you won’t be held responsible for unauthorized charges made with your card. The Ink Business Preferred card also provides fraud protection.

Bottom Line:

Both the Chase Sapphire Reserve Business card and the Ink Business Preferred card offer shopping protections, including purchase protection, cell phone protection, and extended warranty protection. The Chase Sapphire Reserve Business card also offers return protection, while the Ink Business Preferred card does not.

Fees and Authorized Users

Annual Fees

The Ink Business Preferred card has a $95 annual fee. Meanwhile, the Chase Sapphire Reserve Business card has a hefty $795 annual fee.

Adding Authorized Users

Neither of our featured cards charges a fee for employee cards.

Foreign Transaction Fees

Neither of our featured cards charges foreign transaction fees.

Final Thoughts

Chase offers the Chase Sapphire Reserve Business card and the Ink Business Preferred card, both of which are solid business credit card options. While they offer plenty of value, they are aimed at different business owners.

The Chase Sapphire Reserve Business card is the premium offering with numerous additional travel perks and benefits, including elevated travel earnings, airport lounge access, and hotel elite status. It also offers a significantly more valuable welcome offer and a more robust earning structure.

Meanwhile, the Ink Business Preferred card may be more valuable to some as it offers bonus earnings on a variety of categories, including shipping purchases; social media and search engine advertising; internet, cable and phone services; and travel.

Each of our featured cards has its pros and cons. Both cards offer overlapping benefits, such as travel and shopping protections, as well as the ability to redeem points in various ways, including transferring points to Chase’s airline and hotel travel partners.