Why the Chase Sapphire Reserve Business and Ink Business Preferred Make a Great Pair

Pairing two business credit cards can be a great strategy. This way, you can maximize the benefits of both cards and boost the amount of rewards you earn for your spending.

A good example of that strategy is the combination of the Sapphire Reserve for Business℠ and the Ink Business Preferred^® Credit Card. Both earn Chase Ultimate Rewards^®, and deploying the cards strategically can truly boost the amount of those points you earn. Here’s how.

Overview of the Chase Sapphire Reserve Business Card and Ink Business Preferred Card

Here is a quick look at the top benefits of each of these popular business cards.

OFFER EXTENDED

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 and access more than $7,000 in total business and travel value in your first year.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

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.
• $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
• 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: Flex for Business Variable APR: 17.74% - 28.49%
• Foreign Transaction Fees: None

The Chase Sapphire Reserve Business card combines premium travel and business perks, like more than $2,000 in annual credits and airport lounge access, with useful bonus categories for travel and advertising spend. Those perks can justify its $795 annual fee for many business owners.

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Terms Apply / Rates & Fees

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.

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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 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

17.74% - 26.74% 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 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• 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
• Earn 5x total points on Lyft rides through 9/30/27.
• 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
• Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Receive complimentary access to DashPass by DoorDash.
• Member FDIC

Financial Snapshot

• APR: 17.74% - 26.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Ink Business Preferred card, on the other hand, combines strong point-earning potential across multiple bonus categories, for a relatively low annual fee of $95.

Earn up to 300,000 Points in Combined Welcome Bonus Offers

One of the best benefits of adding a new credit card to your wallet is the welcome bonus offer you can receive after meeting the minimum spend requirement. Both of these Chase business cards currently have excellent offers.

With the Chase Sapphire Reserve Business card, you can receive the following offer: Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months and access more than $7,000 in total business and travel value in your first year.

With the Ink Business Preferred card, the current welcome bonus offer is: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.

If you were to earn the welcome bonus offer on both of these cards, you would end up with 300,000 Chase Ultimate Rewards points, and according to our current valuations, those points are worth about $6,000. 

Complementary Bonus Categories

By holding both cards, you can maximize the rewards you’ll earn on the expenses that many small businesses typically incur.

*3x points earning on the Ink Business Preferred card applies up to the first $150,000 spent in combined purchases in the 3x categories, each account anniversary year. After the first $150,000, you’ll earn 1x.

With the Chase Sapphire Reserve Business and the Ink Business Preferred as your 2-card combo, you’ll earn between 3x to 8x points on a wide variety of your business expesnes.

This allows you to use your Chase Sapphire Reserve Business card to for advertising, flight, hotel, and travel bought on the Chase Travel portal, while the Ink Business Preferred card is used for shipping and general travel, along with your internet, cable, and phone service expenses.

Pooling Rewards Together

Since the rewards earned across both cards are Chase Ultimate Rewards points, you can pool your rewards together to take advantage of the variety of redemption options.

While both cards already have access to the suite of Chase transfer partners, there are 2 added ways that holding the Chase Sapphire Reserve Business card helps boost the value of your points.

The first is that holding the Chase Sapphire Reserve Business card allows you to transfer your points to the World of Hyatt program, one of Chase’s most popular transfer partners, at a 1:1 rate instead of the 4:3 rate offered on the Ink Business Preferred card. That gives you 33% more points on these transfers than you would have had otherwise with just the Ink Business Preferred card.

Additionally, both cards offer the Chase Points Boost feature, which allows you to redeem you points on select flights and hotels booked through Chase Travel. However, with the Ink Business Preferred card the maximum redemption you can receive using Points Boost is up to 1.75 cents per point, compared to up to 2 cents per point with the Chase Sapphire Reserve Business card.

Final Thoughts

The Chase Sapphire Reserve Business card is built for premium travel perks and helpful business credits, albeit with a large annual fee, and the Ink Business Preferred card is built for earning more points on common business expenses, with a more reasonable fee. That is why they pair so well together.

For business owners who want to maximize all of their expenses and don’t mind paying an extra annual fee, adding the other card in this duo makes for a powerful combo.