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Chase Ink Business Preferred vs Chase Sapphire Preferred
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Ink Business PreferredChase | Chase Sapphire PreferredChase |
|---|---|---|
| Rating | 4.7/5 | 4.8/5 |
| Annual Fee | $95 | $95 |
| APR | 17.74% - 26.74% | 19.24% - 27.49% |
| Signup Bonus | 100,000 points after spending $8,000 in 3 months | 75,000 points after spending $5,000 in 3 months |
| Rewards Rate | 3X on first $150K/yr in travel, shipping, internet/cable/phone, advertising with social media and search engines, 1X on everything else | 5X on Chase Travel, 3X on dining & streaming & online groceries, 2X on travel, 1X on everything else |
| Credit Score | good | good |
| Pros | 100,000-point bonus worth $1,250+ in travel via Chase portal 3X on travel, shipping, internet, phone, and online advertising Points transfer to same 14+ partners as Sapphire cards | 5X on Chase Travel and 3X on dining, streaming, and online groceries 10% anniversary bonus points on prior year's spend No foreign transaction fees |
| Cons | $8,000 spend in 3 months is a high threshold for the bonus 3X categories are business-specific, not everyday spend No 0% intro APR offer | $95 annual fee No airport lounge access Limited premium perks vs. Reserve |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Sapphire Preferred
With a 4.8/5 rating, the Chase Sapphire Preferred edges out the Chase Ink Business Preferred (4.7/5). At $95/yr, the value proposition is strong. The Chase Sapphire Preferred is the gold standard for everyday travel rewards. With flexible Ultimate Rewards points that transfer to 14+ airline and hotel partners, it's the card that started the travel rewards revolution.