Chase Sapphire Preferred vs. Ink Business Preferred

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The Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card are two of the most popular and highly sought-after credit cards offered by Chase.

While both cards offer fantastic rewards programs, choosing between them can be challenging due to their unique benefits and features.

The Sapphire Preferred is designed for personal use and offers a range of benefits, including excellent travel rewards and bonus rewards for everyday expenses.

Meanwhile the Ink Business Preferred caters to business owners and provides valuable perks, such as a generous sign-up bonus and bonus rewards for common business expenses.

Don’t worry, we’ll help you figure out which card best suits your needs. Let’s dive in!

Overview: Sapphire Preferred vs Ink Business Preferred

Best Starter Travel Card
Chase Sapphire Preferred® Card
  • bonus_miles_full
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 2x Points on All Other Travel Purchases
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

100,000 Welcome Bonus Points
Ink Business Preferred® Credit Card
  • Earn 100,000 Ultimate Rewards Points After Spending $15,000 in Purchases in the First 3 Months
  • 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
  • 25% Additional Points Value in Travel Redemption
  • Primary Rental Car Insurance
  • Trip Cancellation/Interruption Insurance
  • Cell Phone Protection
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

Welcome Bonus

The Chase Sapphire Preferred currently offers the following welcome bonus:


The Ink Business Preferred® comes with a big welcome bonus of 100,000 Chase Ultimate Rewards points after spending $15,000 on purchases within the first three months of account opening.

Related: History of Welcome Bonuses for Ink Preferred Card.

Winner: Ink Business Preferred, with a higher welcome bonus. 

Earning Points

The Chase Sapphire Preferred earns Ultimate Rewards points and offers bonus points on spending in several categories:

  • 5 points per dollar on travel booked through the Chase travel portal;
  • 5 points per dollar on Lyft purchases (through March 2025);
  • 5 points per dollar on Peloton equipment and accessory purchases of $250 or more (through March 2025, with a limit of 25,000 bonus points);
  • 3 points per dollar on dining, including eligible delivery services, takeout, and dining out;
  • 3 points per dollar on online grocery store purchases (excludes Target, Walmart, and wholesale clubs);
  • 3 points per dollar on select streaming services, including Netflix, Disney+, Spotify, Youtube TV, Pandora, Apple Music, SiriusXM, Sling, Vudu, Fubo TV, Hulu, and ESPN+;
  • 2 points per dollar on all travel not booked through the Chase travel portal; and
  • 1 point per dollar on all other eligible spending.

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The Ink Business Preferred® offers several nice bonus categories that can be lucrative to small business owners, including earning 3 Ultimate Rewards points per dollar on the first $150,000 spent in combined purchases in the following categories:

  • Travel
  • Shipping purchases
  • Internet, cable, and phone services.
  • Advertising purchases made with social media sites and search engines.

All other purchases will earn 1 point per dollar.

Winner: Draw.

The Ink Preferred offers more points on travel (3x points vs. 2x points), but the other 3x categories may have little benefit to many cardholders.

Whereas the Sapphire Preferred offers 3x points on dining, which many people will be able to maximize.

Card Benefits

The Chase Sapphire Preferred offers nice benefits, including:

  • Receive 25% more value on points redeemed for travel through the Chase Ultimate Rewards® portal.
  • $50 annual credit on hotel stays purchased through Ultimate Rewards.
  • 10% Points Bonus for each Cardmember anniversary.
  • A complimentary one-year subscription to DashPass by DoorDash when you enroll by December 31, 2024.
  • Trip cancellation and interruption insurance (up to $10,000 per person and $20,000 per trip).
  • Primary car rental insurance.
  • Lost luggage reimbursement (up to $3,000 per passenger)
  • Baggage delay insurance (up to $100 per day for five days).
  • Trip delay insurance (up to $500 per ticket for a delay longer than 12 hours or overnight).
  • Extended warranty.
  • 120 days purchase protection (up to $500 per claim and $50,000 per year).
  • No foreign transaction fees.
  • Free 6-month membership to Instacart+ (activate by July 31, 2024).

The Ink Business Preferred® offers the following benefits to cardholders:

  • Cellphone protection.
  • Primary car rental insurance.
  • Trip cancellation/trip interruption insurance.
  • Extended warranty.
  • Purchase protection.
  • No foreign transaction fees.
  • Free employee cards.

Winner: Chase Sapphire Preferred.

The Sapphire Preferred offers more extensive travel protections and extra perks with partners.

Sapphire Preferred vs Ink Business Preferred

Annual Fee

The Chase Sapphire Preferred comes with an annual fee of $95.

While some users might be initially deterred by this cost, it’s important to consider the value and benefits that come with the card.

The rewards points, travel benefits, and purchase protections can help offset the cost of the annual fee for frequent travelers.

The Ink Business Preferred® has an annual fee of $95. Its cost can easily be offset by its travel and purchase protections.

Winner: Draw.

Both cards have the same annual fee.

Redeeming Points

The Chase Sapphire Preferred® Card earns Ultimate Rewards points, one of the most flexible points currencies.

You can use your points to book flights, hotel stays, and even rent a car through Chase Travel — all at a fixed rate of 1.25 cents per point. For example, 100,000 points are equivalent to $1,250 towards travel.

You can unlock even more value than 1.25 cents per point by transferring rewards to Chase airline and hotel partners.

The Ink Business Preferred Card also earns transferrable Ultimate Rewards points so redemption points are similar to the Sapphire Preferred.

The Ink Business Preferred® Card lets you redeem your points for cashback, gift cards, travel, and Apple purchases on the Chase portal.

However, using your points to book flights, hotel stays, car rentals, and cruises will let you enjoy a redemption rate of of 1.25 cents per point, meaning that 100,000 points would be equivalent to $1,250 towards travel expenses.

Additionally, by transferring rewards to Chase’s airline and hotel partners, you can potentially receive even greater value for your points.

Chase Ultimate Rewards Transfer Partners [1 to 1]
Aer Lingus Aer Lingus Air Canada Air Canada Aeroplan
British Airways British Airways Emirates logo Emirates
Air France Air France/KLM World of Hyatt Hyatt Hotels
Iberia logo Iberia IHG Hotels IHG Hotels
JetBlue JetBlue Marriott Hotels Marriott
Singapore Airlines Singapore Southwest Airlines Southwest
United Airlines logo United Virgin Atlantic logo Virgin Atlantic

Winner: Draw.

Both cards offer the same redemption options and values. Additionally, both cards also earn transferrable Chase points so they also have the same transfer partners.

The Verdict

The Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card offer unique benefits, making it difficult to declare a clear winner.

Your choice will depend on your specific needs and spending habits. Business owners will likely find more value in the Ink Business Preferred, while those using the card for personal use will find value in the Sapphire Preferred.

Regardless of which card you choose, both offer excellent rewards programs, valuable perks, and competitive sign-up bonuses.

We recommend carefully evaluating your needs and comparing the benefits of each card before making a decision. Ultimately, the right card for you is the one that helps you maximize your rewards and achieve your financial goals.

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