{"id":187003,"date":"2025-08-14T16:00:20","date_gmt":"2025-08-14T16:00:20","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/08\/14\/chase-sapphire-preferred-vs-ink-business-preferred-the-points-guy\/"},"modified":"2025-08-14T16:00:20","modified_gmt":"2025-08-14T16:00:20","slug":"chase-sapphire-preferred-vs-ink-business-preferred-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/08\/14\/chase-sapphire-preferred-vs-ink-business-preferred-the-points-guy\/","title":{"rendered":"Chase Sapphire Preferred vs. Ink Business Preferred – The Points Guy"},"content":{"rendered":"


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With so many fantastic travel rewards credit cards<\/a> available, including some with large welcome bonuses<\/a> and phenomenal benefits, you might have difficulty choosing one that suits your needs. This can become even more overwhelming if you qualify for a small-business credit card<\/a>, which opens the door to many additional options.<\/p>\n

Two of the most valuable mid-tier cards from Chase are the Chase Sapphire Preferred\u00ae Card<\/a><\/span> (see rates and fees<\/a>) and Ink Business Preferred\u00ae Credit Card<\/a><\/span> (see rates and fees<\/a>). They have similar benefits \u2014 including earning Chase Ultimate Rewards points<\/a> \u2014 and identical $95 annual fees.<\/p>\n

They make a powerful team, but you may only want \u2014 or be eligible for<\/a> \u2014 one of them.<\/p>\n

Let’s look at how these cards stack up against each other to help you decide whether one or both deserve a place in your wallet.<\/p>\n

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Sapphire Preferred vs. Ink Business Preferred comparison<\/h2>\n
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\n\n\n\n\n\n\n\n\n
\u00a0<\/strong><\/th>\nChase Sapphire Preferred<\/strong><\/th>\nChase Ink Business Preferred<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Annual fee<\/td>\n$95<\/td>\n$95<\/td>\n<\/tr>\n
Welcome bonus<\/td>\nEarn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.<\/td>\nEarn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.<\/td>\n<\/tr>\n
Earning<\/td>\n\n
    \n
  • 5 points per dollar spent on hotels and car rentals purchased through Chase Travel\u2120<\/li>\n
  • 5 points per dollar spent on Lyft (through September 30, 2027)<\/li>\n
  • 5 points per dollar spent on Peloton equipment and accessory purchases of $150 or more (through Dec. 31, 2027, with a limit of 25,000 bonus points)<\/li>\n
  • 3 points per dollar spent on dining worldwide, online grocery stores (excluding Target, Walmart and wholesale clubs) and streaming services<\/li>\n
  • 2 points per dollar spent on all other travel<\/li>\n
  • 1 point per dollar spent on everything else<\/li>\n<\/ul>\n<\/td>\n
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  • 5 points per dollar spent on Lyft (through September 30, 2027)<\/li>\n
  • 3 points per dollar spent on up to $150,000 spent in combined purchases on travel, shipping, internet, cable, phone, social media & search engine advertising (each account anniversary year)<\/li>\n
  • 1 point per dollar spent on everything else<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Notable benefits<\/td>\n\n
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  • Travel protections<\/li>\n
  • Extended warranty and purchase protection<\/li>\n
  • Annual hotel credit for bookings made through Chase Travel<\/li>\n
  • Complimentary DoorDash DashPass membership (activate by Dec. 31, 2027)<\/li>\n
  • 10% bonus points each account anniversary year based on your spending in the previous year<\/li>\n<\/ul>\n<\/td>\n
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