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Ink Business Preferred℠ Credit Card vs Chase Sapphire Preferred® Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Ink Business Preferred is an excellent credit card for the modern small business. How does it compare to Chase Sapphire Preferred, a travel, airline, points and restaurant credit card? Read our comparison chart below.

Keep in mind, the Ink Business Preferred has a $95 annual fee, while the Chase Sapphire Preferred has a Introductory Annual Fee of $0 the first year, then $95.

Note: Ink Business Preferred℠ Credit Card is a credit card for business while Chase Sapphire Preferred® Card is a credit card for consumer.

 Ink Business Preferred Credit CardChase Sapphire Preferred Card
 Apply NowApply Now
 

Ink Business Preferred℠ Credit Card

Chase Sapphire Preferred® Card

 Business Credit CardPersonal Credit Card
 
  • 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®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
  • 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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
 

Credit Card Interest Rates & Fees

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

Credit Card Rewards & Benefits

Introductory Bonus Reward PointsIntroductory 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®Introductory 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 $625 toward travel when you redeem through Chase Ultimate Rewards®
Travel RewardsTravel 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
Travel 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
Airline RewardsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Hotel RewardsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Point RewardsPoint 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.Point Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Dining Rewards Dining 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.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Ink Business Preferred Credit CardChase Sapphire Preferred Card
Pros & ConsPros:
  • Earn 80,000 bonus points
  • Earn 3 points per $1 in select business categories
  • Protection benefits
  • Airline transfer partners
Cons:
  • $95 annual fee
  • No introductory APR
Pros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • Introductory Annual Fee of $0 the first year, then $95
  • No intro APR
Bottom LineExcellent credit card for the modern small business... Read full reviewHigh-earning rewards card for those with excellent credit... Read full review
 Apply NowApply Now

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

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.


Explore Ink Business Preferred℠ Credit Card In-Depth


Explore Chase Sapphire Preferred® Card In-Depth


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Compare Ink Business Preferred to:

American Express Business Platinum
Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge DiscountCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityEmergency Card Replacement Identity Theft AssistanceRoadside Assistance
Card TypeAnnual Fee
Business Charge Card
$450

SimplyCash Plus
Introductory Bonus Cash BackCash Back RewardsOffice RewardsDiscountCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage Insurance$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 9 months
N/A
13.24% - 20.24% Variable
No annual fee

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Compare Chase Sapphire Preferred to:

Premier Rewards Gold Card

Premier Rewards Gold Card from American Express

Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas Rewards
Annual Fee
Introductory annual fee of $0 for the first year, then $195
American Express Platinum

The Platinum Card® from American Express

Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel Rewards
Annual Fee
$550
Starwood Preferred Guest

Starwood Preferred Guest® Credit Card from American Express

Introductory Bonus Hotel RewardsTravel RewardsAirline RewardsBonus Airline Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
16.24% - 20.24% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95

Best Credit Cards for International Travel

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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.