Ink Business Preferred vs Sapphire Reserve Business
Ink Business Preferred
$95/yr
8.0/10
VS
Sapphire Reserve Business
$795/yr
5.5/10
Quick Answer
Ink Business Preferred charges $95/yr with 1X base rewards. Sapphire Reserve Business charges $795/yr with 1X base rewards. Ink Business Preferred 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 Preferred
Lower annual fee ($95 vs $795)
Rewards Earning
Ink Business Preferred
5 earning categories
Benefits & Protection
Ink Business Preferred
5 benefits vs 0
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
Ink Business Preferred
Transferable points to airline/hotel partners
OUR PICK
Ink Business Preferred wins for most people
The $700 fee difference is hard to justify unless you maximize premium benefits.
Apply for Ink Business PreferredPREMIUM 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 Preferred
| Shipping purchases | 3.0X (up to $150,000) |
| Social media and search engine advertising | 3.0X (up to $150,000) |
| Internet, cable, and phone services | 3.0X (up to $150,000) |
| Travel | 3.0X (up to $150,000) |
| All other purchases | 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 |
Card Benefits: Detailed Comparison
Ink Business Preferred (5 benefits)
- Trip Cancellation/Interruption Insurance (up to $5,000)
- Primary Auto Rental Coverage (up to $60,000)
- Purchase Protection (up to $10,000)
- Extended Warranty Protection
- Cell Phone Protection (up to $1,000)
Sapphire Reserve Business (0 benefits)
See full review for benefits details.