Differences Between Chase Sapphire & Ink Preferred Cards?

Filed Under: Chase, Credit Card Comparisons
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On my recent post about what you need to know about applying for the Chase Sapphire Preferred or Chase Sapphire Reserve, reader Xtina asked the following:

@lucky (or anyone really) – What’s the difference between the Sapphire cards here versus the Ink Business Preferred? Both are Ultimate Rewards right? And the Ink comes with 80,000 vs. 50,000 miles when you hit spend. What am I missing?

The bonus associated with the ink Preferred has increased to 100,000 points, but the math/logic here is still quite relevant. For some people, the answer to this is probably obvious, but I imagine there are way more people who are confused about the differences between the Chase Sapphire Preferred® CardChase Sapphire Reserve® Card, and Ink Business Preferred® Credit Card. In this post I wanted to look at the differences between the three cards:

The basic difference between the Sapphire Cards & Ink Preferred Card

The most basic and obvious difference between these cards is that the Ink Business Preferred® Credit Card is a small business credit card, while the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® are personal cards. In general, I’d consider the two Sapphire Cards to be substitutes for one another, while I think the Ink Card is a great complement for either of the Sapphire Cards.

Aside from the important distinction of one being a business card and the other two being personal cards, what are the other differences? Within each category, I’ll list the cards in the order from most compelling to least compelling, as I see it.

Differences in welcome bonuses

Here’s how the welcome bonuses on the three cards compare:

Differences in annual fees

Here’s how the annual fees on the three cards compare:

Differences in return on spend

Here’s how the return on spend on the three cards compares:

    • The Chase Sapphire Reserve® offers triple points on dining and travel
    • The Ink Business Preferred® Credit Card offers triple points on the first $150,000 spent in combined purchases per account anniversary year on travel, shipping purchases, internet, cable, phone services, and advertising purchases on social media and search engine optimization (some might find this more useful than the Reserve bonus categories)
    • The Chase Sapphire Preferred® Card offers double points on dining and travel

Differences in redeeming points

Here’s how the ability to redeem points differs (though if you have multiple of these cards, you can redeem at whatever the highest value on a card is):

  • Ultimate Rewards points earned on the Chase Sapphire Reserve® can be redeemed for 1.5 cents each or transferred to the Ultimate Rewards airline or hotel transfer partners
  • Ultimate Rewards points earned on the Ink Business Preferred® Credit Card can be redeemed for 1.25 cents each or transferred to the Ultimate Rewards airline or hotel transfer partners
  • Ultimate Rewards points earned on the Chase Sapphire Preferred® Card can be redeemed for 1.25 cents each or transferred to the Ultimate Rewards airline or hotel transfer partners

Differences in perks

The ideal strategy

If you’re eligible for them, then I’d, by all means, recommend getting the Ink Business Preferred and either the Chase Sapphire Preferred or Chase Sapphire Reserve. You can choose between the two cards based on how much you value the Sapphire Reserve perks like a Priority Pass membership, and also based on how much you typically spend on dining and travel.

The welcome bonus on the Ink Business Preferred® Credit Card is by far the most compelling, as it offers 100,000 Ultimate Rewards points upon completing its large minimum spend. I value those points at ~1.7 cents each, so to me those points are worth a huge ~$1,700. Not only does that card have a great welcome bonus, but equally compelling is the return on spend and great perks it offers, which makes it a keeper long term, in my opinion.

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  1. I don’t see the need for more than one premium chase credit card. I recently converted my sapphire reserve to a freedom and am keeping the ink preferred open for partner transfers. I don’t spend enough on dining out to make the annual fee worthwhile. It’s not too hard to get double points or a 3.5-4% rate of return on dining on a different card.

  2. @Lucky: just to verify, if I was to have just the Ink Business Preferred Card and none of the Sapphire cards. I would still be able to transfer Ultimate Reward Points from my Chase Freedom card to airline & hotel partners correct? Thanks

  3. @Andy: It’s a two step process. You must first transfer your Freedom card points to the your Ink Preferred account and from there to any of the Ultimate Rewards partners.

  4. William, I am retired but walk dogs once a week. I have lots of business credit cards. I use my name as the name of the business. I click on “service” if they ask type of business. I always write in 75K as my business earnings (obviously I don’t make that walking dogs once a week) but they have never delved further than the application. I use my ss # in lieu of a business license and I say I am a sole proprietor. Don’t know if it matters but my credit score is over 800 and I already have a few Chase cards.

  5. Thanks for the post Lucky! 😀

    Also thanks @Dine for your comment. Fundamentally I had the same question as Willem, what does it mean to be a “business” for the purposes of getting what looks to be a great card? I don’t have a choice in my corporate card so I wasn’t really sure who generally can use the business cards discussed on OMAAT. (Maybe other people have a choice in card from their employer? This has never been my experience.) Now I know it is independent business owners like Lucky and I guess, “professional dogwalkers”.

  6. Read closely at the fine print for the Ink Preferred primary LDW, and youll notice that the rental car protection only applies for business rentals.
    There may be a benefit to keep at least the Sapphire Preferred, for personal rentals.

  7. Never use chase sapphire for getting extended warranty (amex/citi seems to be good), just ask any one how months and hours were spend to get a claim approved. Claim agents usually dont respond, so that those who opened a claim will just lose hope and leave. I am waiting from Oct-17 for one and started a new a week back.

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