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August 16, 2017

Review: Chase Sapphire vs Business Ink Preferred

Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
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Chase has a business credit card similar to Chase Sapphire. Find out how the benefits and rewards compare.

Do you like the Chase Sapphire personal cards but want something for your small business?

There's a similar card from Chase - the Ink Business Preferred.

You could call it a cousin of the Chase Sapphire.

Chase Sapphire and Ink Business: A Winning Combination

Like the Chase Sapphire Preferred and Sapphire Reserve, the Chase Ink Preferred includes 1:1 point transfers to participating airline and hotel partners. It also includes the ability to redeem points toward travel on the Chase travel portal at a discount.

Does this card belong in your wallet? We'll go over why this card is ideal for Chase Sapphire fans.

Chase Sapphire Preferred vs Ink Preferred

 Chase Sapphire Preferred CardInk Business Preferred Credit Card
 Apply NowApply Now
 

Chase Sapphire Preferred® Card

Ink Business Preferred℠ Credit Card

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards® - Learn more

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards® - Learn more

 

Interest Rates and Fees

Purchase APR16.99% to 23.99% Variable based on your creditworthiness and other factors16.99% to 21.99% Variable based on your creditworthiness and other factors
Balance Transfers APR16.99% to 23.99% Variable based on your creditworthiness and other factors16.99% to 21.99% Variable based on your creditworthiness and other factors
Annual FeeIntroductory Annual Fee of $0 the first year, then $95$95 annual fee
 

Benefits and Features

Travel RewardsTravel Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
1:1 point transfer to leading airline and hotel loyalty programs
Travel Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
1:1 point transfer to leading airline and hotel loyalty programs
Dining RewardsDining Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide 
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.Airline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.
 Apply NowApply Now

  • Both cards have a $95 annual fee. Chase Sapphire Preferred has a $0 introductory annual fee for the first year (then $95), while the Chase Ink Preferred has no introductory annual fee.

    For a similar annual fee, the Business Preferred gives a lot more rewards. The 3x points on business categories can be worth far more in rewards.

    Tip: If you think you can't justify the annual fee, there's always the Chase Ink Cash business credit card, which has no annual fee but still gives a decent amount back for business-related purchases.

  • Both give you 25% more value toward travel on Chase Ultimate Reward. For points earned on both cards, you can use them at 25% more value when redeeming towards travel on the Chase travel portal (10,000 points = $125).

Chase Sapphire Reserve vs Ink Preferred

 

Chase Sapphire Reserve

Ink Business Preferred

Annual Fee$450 annual fee$95 annual fee
Points DealIntroductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward airfare, hotels, car rentals and cruises when you redeem through Chase Ultimate Rewards®Introductory Bonus Reward Points: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
TravelTravel Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
1:1 point transfer to leading airline and hotel loyalty programs
Travel Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
1:1 point transfer to leading airline and hotel loyalty programs
PointsPoint Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.Point Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Airline StatusAirline Status: $300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
 
RestaurantDining Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. 

Chase Sapphire Reserve: Pricing information including interest rates, benefits and fees was obtained on July 17, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Chase Sapphire Reserve has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

  • Sapphire Reserve also gives you 3x points on dining. Both cards give you 3x on travel, but Sapphire Reserve also gives you 3x on dining. If a lot of your expenses go towards eating out, you may prefer this card.

    Let's say you're a freelancer and don't have any shipping or advertising expenses. But almost everyone has phone/Internet/cable bills. Think: do you spend more per month eating out than you do on phone/Internet/cable services?

  • Sapphire Reserve gives you 50% more value when you redeem points for travel on the Ultimate Reward portal. This is a nice upgrade from the 25% more value with the Business Preferred. If you have a lot of domestic travel needs, you may find this more rewarding.

  • Sapphire Reserve has a much larger annual fee. The annual fee is $450. However, you also get a yearly $300 credit for travel expenses. As long as you spend at least $300 in travel each year, this helps justify the $450 annual fee.

    But given the sign-up bonuses compared to the annual fees, the Business Preferred is the clear winner in our opinion.

Why Consider Chase Ink Business Preferred

Ink Business Preferred
Apply for Ink Business Preferred Credit Card
Business cards aren't only for established companies with multiple employees. Even if you have a side business, you can benefit from having a business card.

  • Separate your business expenses: It's smart to separate your business expenses from all your personal shopping trips. It's a huge time-saver during tax season. And it'll also help you legitimize your fledgling business. Even if your business is a side project, like a small Etsy store, a business credit card can help manage your spending and cash flow.

  • Biggest sign-up bonus: The Ink Business Preferred has a bigger sign-up bonus than both Sapphire cards. The really surprising thing is that the sign-up bonus is even bigger than the Reserve's.

    You get 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards.

  • Bonus points in relevant business categories: You earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

    Depending on how many charges you make for your business, you may find this card to be much more rewarding in the long run.

  • 3x points on travel: Most people love the Chase Sapphire cards because of the bonus points on travel. The Business Preferred gives you 3x points on travel (up to limits), which is more than the 2x you get with Sapphire Preferred (and same as the Reserve).

    If you have travel expenses related to your business, you're better off charging them on a business-designated credit card like the Chase Ink Preferred than the Sapphire Preferred. It also includes 1:1 point transfers to airline and hotel partners.

  • Points can be combined: You can combine your points with the Sapphire cards (or any other Ultimate Rewards cards). This makes the Business Preferred card an ideal partner to the Sapphire cards. You get to keep your business expenses separate while still being able to pool your points.

Bottom Line

Be confident in your role as a business owner. Getting a business credit card that fits your spending pattern and the needs of your business is a wise first step.

The Chase Ink Business Preferred is an excellent credit card for small businesses. The sign-up bonus and 3x points on business categories are very generous, given the modest $95 annual fee. In our opinion, this is a card that's hard to beat.

Ink Business Preferred Credit Card
Apply for Ink Business Preferred Credit Card
At Chase's Secure Site
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.99% - 21.99% Variable
$95

Sarah Johnson is the senior editor of CreditDonkey, a credit card comparison and financial education website. Write to Sarah Johnson at sarah@creditdonkey.com. Our data-driven analysis has been recognized by major news outlets across the country and has helped consumers make savvy financial and lifestyle decisions. (read more)

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Sapphire Reserve and Ink Business Cash Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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