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Chase Ink Business Preferred vs Sapphire Reserve

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Ink Business Preferred 1.5% 1x base rate
  2. Sapphire Reserve 1.5% 1x base rate

Dining

  1. Sapphire Reserve 4.5% 3x
  2. Ink Business Preferred 1.5% 1x base rate

Travel

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Ink Business Preferred 1.5% 1x base rate
  3. Sapphire Reserve 1.5% 1x base rate

Phone & internet

  1. Ink Business Preferred 4.5% 3x
  2. Sapphire Reserve 1.5% 1x base rate

Shipping

  1. Ink Business Preferred 4.5% 3x
  2. Sapphire Reserve 1.5% 1x base rate

Advertising

  1. Ink Business Preferred 4.5% 3x
  2. Sapphire Reserve 1.5% 1x base rate

Flights

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Sapphire Reserve 6.0% 4x
  3. Ink Business Preferred 4.5% 3x

Hotels

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Sapphire Reserve 6.0% 4x
  3. Ink Business Preferred 4.5% 3x

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Preferred $95 and Sapphire Reserve $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve takes dining, travel, flights and hotels; Ink Business Preferred takes phone & internet, shipping and advertising.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Preferred1.5%
DiningSapphire Reserve4.5%
TravelSapphire Reserve · Chase Travel12.0%
Phone & internetInk Business Preferred4.5%
ShippingInk Business Preferred4.5%
AdvertisingInk Business Preferred4.5%
FlightsSapphire Reserve · Chase Travel12.0%
HotelsSapphire Reserve · Chase Travel12.0%

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

  1. Ink Business Preferred — 1.5%
  2. Sapphire Reserve — 1.5%

Dining

  1. Sapphire Reserve — 4.5%
  2. Ink Business Preferred — 1.5%

Travel

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Ink Business Preferred — 1.5%
  3. Sapphire Reserve — 1.5%

Phone & internet

  1. Ink Business Preferred — 4.5%
  2. Sapphire Reserve — 1.5%

Shipping

  1. Ink Business Preferred — 4.5%
  2. Sapphire Reserve — 1.5%

Advertising

  1. Ink Business Preferred — 4.5%
  2. Sapphire Reserve — 1.5%

Flights

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Sapphire Reserve — 6.0%
  3. Ink Business Preferred — 4.5%

Hotels

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Sapphire Reserve — 6.0%
  3. Ink Business Preferred — 4.5%

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