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Chase Ink Business Preferred 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. Ink Business Preferred 2.1% 1x base rate
  2. Sapphire Reserve for Business 2.1% 1x base rate

Travel · portal

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

Phone & internet

  1. Ink Business Preferred 6.2% 3x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Shipping

  1. Ink Business Preferred 6.2% 3x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Advertising

  1. Ink Business Preferred 6.2% 3x
  2. Sapphire Reserve for Business 6.2% 3x

Flights

  1. Sapphire Reserve for Business 8.2% 4x
  2. Ink Business Preferred 6.2% 3x

Hotels

  1. Sapphire Reserve for Business 8.2% 4x
  2. Ink Business Preferred 6.2% 3x

Lyft

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

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 for Business $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Preferred takes phone & internet and shipping; Sapphire Reserve for Business takes flights and hotels.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Preferred2.1%
Travel · portalSapphire Reserve for Business · Chase Travel16.4%
Phone & internetInk Business Preferred6.2%
ShippingInk Business Preferred6.2%
AdvertisingInk Business Preferred6.2%
FlightsSapphire Reserve for Business8.2%
HotelsSapphire Reserve for Business8.2%
LyftInk 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

  1. Ink Business Preferred — 2.1%
  2. Sapphire Reserve for Business — 2.1%

Travel · portal

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

Phone & internet

  1. Ink Business Preferred — 6.2%
  2. Sapphire Reserve for Business — 2.1%

Shipping

  1. Ink Business Preferred — 6.2%
  2. Sapphire Reserve for Business — 2.1%

Advertising

  1. Ink Business Preferred — 6.2%
  2. Sapphire Reserve for Business — 6.2%

Flights

  1. Sapphire Reserve for Business — 8.2%
  2. Ink Business Preferred — 6.2%

Hotels

  1. Sapphire Reserve for Business — 8.2%
  2. Ink Business Preferred — 6.2%

Lyft

  1. Ink Business Preferred — 10.3%
  2. Sapphire Reserve for Business — 10.3%
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