Chase Ink Business Preferred vs Sapphire Preferred
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Best card by category
Everything else
- Ink Business Preferred 1.5% 1x base rate
- Sapphire Preferred 1.5% 1x base rate
Dining
- Sapphire Preferred 4.5% 3x
- Ink Business Preferred 1.5% 1x base rate
Gas
- Sapphire Preferred 4.5% 3x
- Ink Business Preferred 1.5% 1x base rate
Travel
- Sapphire Preferred · Chase Travel 7.5% 5x
- Ink Business Preferred 1.5% 1x base rate
- Sapphire Preferred 1.5% 1x base rate
Streaming
- Sapphire Preferred 4.5% 3x
- Ink Business Preferred 1.5% 1x base rate
Phone & internet
- Ink Business Preferred 4.5% 3x
- Sapphire Preferred 1.5% 1x base rate
Shipping
- Ink Business Preferred 4.5% 3x
- Sapphire Preferred 1.5% 1x base rate
Advertising
- Ink Business Preferred 4.5% 3x
- Sapphire Preferred 1.5% 1x base rate
Online grocery
- Sapphire Preferred 4.5% 3x
- Ink Business Preferred 1.5% 1x base rate
Flights
- Sapphire Preferred · Chase Travel 7.5% 5x
- Ink Business Preferred 4.5% 3x
- Sapphire Preferred 3.0% 2x
Hotels
- Sapphire Preferred · Chase Travel 7.5% 5x
- Ink Business Preferred 4.5% 3x
- Sapphire Preferred 3.0% 2x
What the numbers are doing
Where they differ: Sapphire Preferred takes dining, gas, travel and streaming, plus 3 more; Ink Business Preferred takes phone & internet, shipping and advertising.
pointslipEveryday
| Category | Best card |
|---|---|
| Everything else | Ink Business Preferred1.5% |
| Dining | Sapphire Preferred4.5% |
| Gas | Sapphire Preferred4.5% |
| Travel | Sapphire Preferred · Chase Travel7.5% |
| Streaming | Sapphire Preferred4.5% |
| Phone & internet | Ink Business Preferred4.5% |
| Shipping | Ink Business Preferred4.5% |
| Advertising | Ink Business Preferred4.5% |
| Online grocery | Sapphire Preferred4.5% |
| Flights | Sapphire Preferred · Chase Travel7.5% |
| Hotels | Sapphire Preferred · Chase Travel7.5% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Ink Business Preferred — 1.5%
- Sapphire Preferred — 1.5%
Dining
- Sapphire Preferred — 4.5%
- Ink Business Preferred — 1.5%
Gas
- Sapphire Preferred — 4.5%
- Ink Business Preferred — 1.5%
Travel
- Sapphire Preferred · Chase Travel — 7.5%
- Ink Business Preferred — 1.5%
- Sapphire Preferred — 1.5%
Streaming
- Sapphire Preferred — 4.5%
- Ink Business Preferred — 1.5%
Phone & internet
- Ink Business Preferred — 4.5%
- Sapphire Preferred — 1.5%
Shipping
- Ink Business Preferred — 4.5%
- Sapphire Preferred — 1.5%
Advertising
- Ink Business Preferred — 4.5%
- Sapphire Preferred — 1.5%
Online grocery
- Sapphire Preferred — 4.5%
- Ink Business Preferred — 1.5%
Flights
- Sapphire Preferred · Chase Travel — 7.5%
- Ink Business Preferred — 4.5%
- Sapphire Preferred — 3.0%
Hotels
- Sapphire Preferred · Chase Travel — 7.5%
- Ink Business Preferred — 4.5%
- Sapphire Preferred — 3.0%
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