Chase Sapphire Reserve® vs Ink Business Preferred® Credit Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. How does it compare to Ink Business Preferred from Chase, a business card? Read our comparison chart below.

	Chase Sapphire Reserve®	Ink Business Preferred® Credit Card


	Credit Card Summary
	Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening. Get more than $2,700 in annual value with Sapphire Reserve. Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year. Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables. Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more. Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually Member FDIC Rates and Fees See Current Offer	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 Rates and Fees See Current Offer
	Credit Card Interest Rates & Fees
Purchase APR	20.24% to 28.74% Variable based on your creditworthiness and other factors	20.24% to 26.24% Variable based on your creditworthiness and other factors
Balance Transfers APR	20.24% to 28.74% Variable based on your creditworthiness and other factors	20.24% to 26.24% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	$0	$0
Annual Fee	$795 annual fee	$95 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Offer	Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.	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℠
Travel Rewards	Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases 1:1 point transfer to leading airline and hotel loyalty programs	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. 1:1 point transfer to leading airline and hotel loyalty programs
Airline Rewards	1:1 point transfer to leading airline and hotel loyalty programs	1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards	1:1 point transfer to leading airline and hotel loyalty programs	1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards	Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases	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.
Airline Status	$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year. Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Dining Rewards	Earn 3x points on dining worldwide
Airline Transfer Partners	Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.	Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
	Go to issuer's official application, terms, and details	Go to issuer's official application, terms, and details
	CreditDonkey® Credit Card Reviews

Pros & Cons	Pros: Bonus points Annual travel credit Elite travel benefits Cons: $795 annual fee No introductory annual fee No intro APR	Pros: Earn 90,000 bonus points Earn 3 points per $1 in select business categories Protection benefits Airline transfer partners Cons: $95 annual fee No introductory APR
Bottom Line	Ultra premium credit card for luxury travelers... Read full review	Excellent credit card for the modern small business... Read full review

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. For rates and fees of the Chase Sapphire Reserve® card, please click here. For rates and fees of the Ink Business Preferred® Credit Card, please click here.

Articles on Chase Sapphire Reserve®

Chase Sapphire Reserve Review

With excellent rewards and premium travel benefits, the Chase Sapphire Reserve® is meant for frequent travelers. Read on to decide if the $795 annual fee is worth it for you.

Articles on Ink Business Preferred® Credit Card

Ink Business Preferred Review

Looking for a new business credit card? Ink Business Preferred® offers more than a sign up bonus. Read this review to see if the benefits are worth it.