{"id":190013,"date":"2025-08-30T16:00:49","date_gmt":"2025-08-30T16:00:49","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/08\/30\/chase-sapphire-reserve-vs-ink-business-preferred-showdown-the-points-guy\/"},"modified":"2025-08-30T16:00:49","modified_gmt":"2025-08-30T16:00:49","slug":"chase-sapphire-reserve-vs-ink-business-preferred-showdown-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/08\/30\/chase-sapphire-reserve-vs-ink-business-preferred-showdown-the-points-guy\/","title":{"rendered":"Chase Sapphire Reserve vs. Ink Business Preferred showdown – The Points Guy"},"content":{"rendered":"


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Chase Ultimate Rewards<\/a> points are among the most valuable on the market, thanks to their flexible redemption options. Chase<\/a> has a handful of cards that earn Ultimate Rewards points, including the Chase Sapphire Reserve\u00ae<\/a><\/span> (see rates and fees<\/a>) and the Ink Business Preferred\u00ae Credit Card<\/a><\/span> (see rates and fees<\/a>).<\/p>\n

The Sapphire Reserve is Chase’s top personal card offering premium perks like lounge access<\/a> and multiple statement credits. Meanwhile, the Ink Business Preferred is a popular small-business credit card<\/a>.<\/p>\n

A few months ago, the Sapphire Reserve underwent a refresh<\/a> that completely overhauled the card, from modified rates and benefit changes to a higher annual fee.<\/p>\n

Let’s compare the Chase Sapphire Reserve and the Ink Business Preferred to see which card is the best fit for you.<\/p>\n

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Chase Sapphire Reserve vs. Ink Business Preferred comparison<\/h2>\n
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\n\n\n\n\n\n\n\n\n\n\n
Card\u00a0<\/strong><\/th>\nChase Sapphire Reserve<\/strong><\/th>\nInk Business Preferred<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Welcome bonus\u00a0<\/strong><\/td>\nEarn 125,000 bonus points after spending $6,000 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 rates<\/strong><\/td>\n\n
    \n
  • Earn 10 points per dollar spent on Peloton equipment and accessory purchases of $150 or more (through Dec. 31, 2027).<\/li>\n
  • Earn 8 points per dollar spent on all Chase Travel\u2120 purchases.<\/li>\n
  • Earn 5 points per dollar spent on Lyft rides (through Sept. 30, 2027).<\/li>\n
  • Earn 4 points per dollar spent on flights and hotel purchases booked directly.<\/li>\n
  • Earn 3 points per dollar spent on dining.<\/li>\n
  • Earn 1 point per dollar spent on all other purchases.<\/li>\n<\/ul>\n

    Note that you won’t earn any points on the first $300 spent on travel, as that will trigger the card’s $300 travel credit.<\/em><\/p>\n<\/td>\n

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  • Earn 5 points per dollar spent on Lyft rides (through Sept. 30, 2027).<\/li>\n
  • Earn 3 points per dollar spent on the first $150,000 of combined purchases each cardmember year, then 1 point per dollar spent thereafter, in the following categories: shipping purchases, internet services, cable services, phone services, travel, and advertising with social media and search engines.<\/li>\n
  • Earn 1 point per dollar spent on all other purchases.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Annual fee<\/strong><\/td>\n$795<\/td>\n$95<\/td>\n<\/tr>\n
Points redemption value<\/strong><\/td>\nUp to 2 cents per point, depending on the specific redemption<\/td>\nUp to 1.75 cents per point, depending on the specific redemption<\/td>\n<\/tr>\n
Other benefits\u00a0<\/strong><\/td>\n\n
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  • $500 annual statement credit for The Edit (up to $250 biannually; minimum two-night stay required)<\/li>\n
  • $300 annual travel credit<\/li>\n
  • $300 annual statement credit for StubHub or Viagogo (up to $150 biannually; through Dec. 31, 2027)<\/li>\n
  • Complimentary subscriptions to Apple TV+ and Apple Music (through June 22, 2027)<\/li>\n
  • $300 annual dining credit at Sapphire Reserve Exclusive Tables (up to $150 biannually)<\/li>\n
  • $120 in annual statement credits toward Peloton memberships; activation required (through Dec. 31, 2027)<\/li>\n
  • Global Entry\/TSA PreCheck\/Nexus application fee credit (up to $120 every four years)<\/li>\n
  • Complimentary DoorDash DashPass subscription (activate by Dec. 31, 2027) and $25 in DoorDash promos each month when you have an active DashPass membership<\/li>\n
  • $10 monthly Lyft in-app credit; does not apply to Wait & Save, bike or scooter rides (through Sept. 30, 2027)<\/li>\n
  • Complimentary IHG One Rewards Platinum Elite status(through Dec. 31,2027)<\/li>\n
  • Extensive travel and purchase protections<\/li>\n
  • Additional perks after spending $75,000 in a calendar year, including: IHG One Rewards Diamond status, Southwest Airlines A-List status, a $500 Southwest statement credit and a $250 Shops at Chase statement credit<\/li>\n<\/ul>\n<\/td>\n
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  • Cellphone protection<\/li>\n
  • Multiple travel and purchase protections<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Fee for additional cards\u00a0<\/strong><\/td>\n$195 each<\/td>\n$0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

Both cards have much to offer, and which is better for you depends on your business spending habits. Before deciding, consider the factors below.<\/p>\n

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Chase Sapphire Reserve vs. Ink Business Preferred welcome bonus<\/h2>\n

The Chase Sapphire Reserve<\/a><\/span> is currently offering new applicants 125,000 bonus points after they spend $6,000 in the first three months from account opening.<\/p>\n

TPG’s August 2025 valuations<\/a> peg Ultimate Rewards points at 2.05 cents each, making this offer worth a whopping $2,563.<\/p>\n

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THE POINTS GUY<\/figcaption><\/figure>\n

Meanwhile, the Ink Business Preferred<\/a><\/span> is currently offering new applicants 90,000 bonus points after they spend $8,000 on purchases in the first three months from account opening.<\/p>\n

According to our valuations, this bonus is worth $1,845. This is the standard welcome bonus we typically see on this card.<\/p>\n

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This spending requirement is one-third more than that of the Sapphire Reserve, and it offers fewer points.<\/p>\n

As always, be mindful of each card’s eligibility restrictions<\/a> before applying. Both are Chase cards, so they’re subject to the 5\/24 rule<\/a>.<\/p>\n

Additionally, you won’t be eligible for the Sapphire Reserve’s bonus<\/a> if you’ve received it before or if you currently have the Chase Sapphire Preferred\u00ae Card<\/a><\/span> (see rates and fees<\/a>).<\/p>\n

However, you can still earn the Sapphire Reserve welcome bonus if you earned the Sapphire Preferred bonus in the past; you just can’t have the Sapphire Preferred open.<\/p>\n

With the Ink Business Preferred, you won’t be eligible for a welcome bonus if you have previously earned one in the past 24 months.<\/p>\n

Winner:<\/strong> Chase Sapphire Reserve. Its bonus is 35,000 points higher and requires $2,000 less in spending.<\/p>\n

Related: Am I eligible for the Chase Sapphire Reserve’s 125,000-point bonus?<\/a><\/strong><\/p>\n

<\/p>\n

Chase Sapphire Reserve vs. Ink Business Preferred benefits<\/h2>\n

The Chase Sapphire Reserve<\/a><\/span> has a hefty $795 annual fee but comes with a stellar set of premium benefits:<\/p>\n