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Chase Ink Business Cash vs Sapphire Reserve for Business

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

Best card by category Card terms as of Oct 29

Everything else

  1. Sapphire Reserve for Business 2.1% 1x base rate
  2. Ink Business Cash 1.0% 1% base rate

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel 16.4% 8x

Phone & internet

  1. Ink Business Cash 5.0% 5%
  2. Sapphire Reserve for Business 2.1% 1x base rate

Advertising

  1. Sapphire Reserve for Business 6.2% 3x
  2. Ink Business Cash 1.0% 1% base rate

Flights

  1. Sapphire Reserve for Business 8.2% 4x
  2. Ink Business Cash 1.0% 1% base rate

Hotels

  1. Sapphire Reserve for Business 8.2% 4x
  2. Ink Business Cash 1.0% 1% base rate

Lyft

  1. Sapphire Reserve for Business 10.3% 5x
  2. Ink Business Cash 5.0% 5%

What the numbers are doing

Sapphire Reserve for Business tops everything else at 2.1% only because this table values its points at 2.05 cents each. Value them at one cent and Ink Business Cash wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Cash $0 and Sapphire Reserve for Business $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve for Business takes everything else, advertising, flights and hotels, plus 1 more; Ink Business Cash takes phone & internet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve for Business2.1%
Travel · portalSapphire Reserve for Business · Chase Travel16.4%
Phone & internetInk Business Cash5.0%
AdvertisingSapphire Reserve for Business6.2%
FlightsSapphire Reserve for Business8.2%
HotelsSapphire Reserve for Business8.2%
LyftSapphire Reserve for Business10.3%

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. Sapphire Reserve for Business — 2.1%
  2. Ink Business Cash — 1.0%

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel — 16.4%

Phone & internet

  1. Ink Business Cash — 5.0%
  2. Sapphire Reserve for Business — 2.1%

Advertising

  1. Sapphire Reserve for Business — 6.2%
  2. Ink Business Cash — 1.0%

Flights

  1. Sapphire Reserve for Business — 8.2%
  2. Ink Business Cash — 1.0%

Hotels

  1. Sapphire Reserve for Business — 8.2%
  2. Ink Business Cash — 1.0%

Lyft

  1. Sapphire Reserve for Business — 10.3%
  2. Ink Business Cash — 5.0%
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