Ink Business Cash vs Sapphire Reserve Business
Ink Business Cash
$0/yr
7.0/10
VS
Sapphire Reserve Business
$795/yr
5.5/10
Quick Answer
Ink Business Cash charges no annual fee with 1X base rewards. Sapphire Reserve Business charges $795/yr with 1X base rewards. Ink Business Cash offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Ink Business Cash
Lower annual fee ($0 vs $795)
Rewards Earning
Ink Business Cash
5 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Ink Business Cash wins for most people
The $795 fee difference is hard to justify unless you maximize premium benefits.
Apply for Ink Business CashPREMIUM PICK
Sapphire Reserve Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire Reserve BusinessRewards Earning: Detailed Comparison
Ink Business Cash
| Internet, cable, phone services | 5.0X (up to $25,000) |
| Office supply stores | 5.0X (up to $25,000) |
| Gas stations | 2.0X (up to $25,000) |
| Restaurants | 2.0X (up to $25,000) |
| Everything else | 1.0X |
Sapphire Reserve Business
| Hotels & car rentals (Chase Travel) | 10.0X |
| Flights (Chase Travel) | 5.0X |
| Dining | 4.0X |
| All other travel | 3.0X |
| Everything else | 1.0X |