Chase Ink Business Preferred vs Sapphire Preferred
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Ink Business Preferred 2.1% 1x base rate
- Sapphire Preferred 2.1% 1x base rate
Dining
- Sapphire Preferred 6.2% 3x
- Ink Business Preferred 2.1% 1x base rate
Gas
- Sapphire Preferred 6.2% 3x
- Ink Business Preferred 2.1% 1x base rate
Travel
- Sapphire Preferred 4.1% 2x
- Ink Business Preferred 2.1% 1x base rate
Travel · portal
- Sapphire Preferred · Chase Travel 10.3% 5x
Streaming
- Sapphire Preferred 6.2% 3x
- Ink Business Preferred 2.1% 1x base rate
Phone & internet
- Ink Business Preferred 6.2% 3x
- Sapphire Preferred 2.1% 1x base rate
Shipping
- Ink Business Preferred 6.2% 3x
- Sapphire Preferred 2.1% 1x base rate
Advertising
- Ink Business Preferred 6.2% 3x
- Sapphire Preferred 2.1% 1x base rate
Online grocery
- Sapphire Preferred 6.2% 3x
- Ink Business Preferred 2.1% 1x base rate
Flights
- Ink Business Preferred 6.2% 3x
- Sapphire Preferred 4.1% 2x
Hotels
- Ink Business Preferred 6.2% 3x
- Sapphire Preferred 4.1% 2x
Rideshare & taxis
- Sapphire Preferred 4.1% 2x
- Ink Business Preferred 2.1% 1x base rate
Peloton
- Sapphire Preferred 10.3% 5x
- Ink Business Preferred 2.1% 1x base rate
Lyft
- Ink Business Preferred 10.3% 5x
- Sapphire Preferred 10.3% 5x
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, advertising and flights, plus 1 more.
| Category | Best card |
|---|---|
| Everything else | Ink Business Preferred2.1% |
| Dining | Sapphire Preferred6.2% |
| Gas | Sapphire Preferred6.2% |
| Travel | Sapphire Preferred4.1% |
| Travel · portal | Sapphire Preferred · Chase Travel10.3% |
| Streaming | Sapphire Preferred6.2% |
| Phone & internet | Ink Business Preferred6.2% |
| Shipping | Ink Business Preferred6.2% |
| Advertising | Ink Business Preferred6.2% |
| Online grocery | Sapphire Preferred6.2% |
| Flights | Ink Business Preferred6.2% |
| Hotels | Ink Business Preferred6.2% |
| Rideshare & taxis | Sapphire Preferred4.1% |
| Peloton | Sapphire Preferred10.3% |
| Lyft | Ink Business Preferred10.3% |
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
- Ink Business Preferred — 2.1%
- Sapphire Preferred — 2.1%
Dining
- Sapphire Preferred — 6.2%
- Ink Business Preferred — 2.1%
Gas
- Sapphire Preferred — 6.2%
- Ink Business Preferred — 2.1%
Travel
- Sapphire Preferred — 4.1%
- Ink Business Preferred — 2.1%
Travel · portal
- Sapphire Preferred · Chase Travel — 10.3%
Streaming
- Sapphire Preferred — 6.2%
- Ink Business Preferred — 2.1%
Phone & internet
- Ink Business Preferred — 6.2%
- Sapphire Preferred — 2.1%
Shipping
- Ink Business Preferred — 6.2%
- Sapphire Preferred — 2.1%
Advertising
- Ink Business Preferred — 6.2%
- Sapphire Preferred — 2.1%
Online grocery
- Sapphire Preferred — 6.2%
- Ink Business Preferred — 2.1%
Flights
- Ink Business Preferred — 6.2%
- Sapphire Preferred — 4.1%
Hotels
- Ink Business Preferred — 6.2%
- Sapphire Preferred — 4.1%
Rideshare & taxis
- Sapphire Preferred — 4.1%
- Ink Business Preferred — 2.1%
Peloton
- Sapphire Preferred — 10.3%
- Ink Business Preferred — 2.1%
Lyft
- Ink Business Preferred — 10.3%
- Sapphire Preferred — 10.3%
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