Chase Ink Business Preferred vs Sapphire Reserve
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 Reserve 2.1% 1x base rate
Dining
- Sapphire Reserve 6.2% 3x
- Ink Business Preferred 2.1% 1x base rate
Travel · portal
- Sapphire Reserve · Chase Travel 16.4% 8x
Phone & internet
- Ink Business Preferred 6.2% 3x
- Sapphire Reserve 2.1% 1x base rate
Shipping
- Ink Business Preferred 6.2% 3x
- Sapphire Reserve 2.1% 1x base rate
Advertising
- Ink Business Preferred 6.2% 3x
- Sapphire Reserve 2.1% 1x base rate
Flights
- Sapphire Reserve 8.2% 4x
- Ink Business Preferred 6.2% 3x
Hotels
- Sapphire Reserve 8.2% 4x
- Ink Business Preferred 6.2% 3x
Peloton
- Sapphire Reserve 20.5% 10x
- Ink Business Preferred 2.1% 1x base rate
Lyft
- Ink Business Preferred 10.3% 5x
- Sapphire Reserve 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 $795 a year, so a thin lead in one category may not cover the difference.
Where they differ: Sapphire Reserve takes dining, flights, hotels and peloton; Ink Business Preferred takes phone & internet, shipping and advertising.
| Category | Best card |
|---|---|
| Everything else | Ink Business Preferred2.1% |
| Dining | Sapphire Reserve6.2% |
| Travel · portal | Sapphire Reserve · Chase Travel16.4% |
| Phone & internet | Ink Business Preferred6.2% |
| Shipping | Ink Business Preferred6.2% |
| Advertising | Ink Business Preferred6.2% |
| Flights | Sapphire Reserve8.2% |
| Hotels | Sapphire Reserve8.2% |
| Peloton | Sapphire Reserve20.5% |
| 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 Reserve — 2.1%
Dining
- Sapphire Reserve — 6.2%
- Ink Business Preferred — 2.1%
Travel · portal
- Sapphire Reserve · Chase Travel — 16.4%
Phone & internet
- Ink Business Preferred — 6.2%
- Sapphire Reserve — 2.1%
Shipping
- Ink Business Preferred — 6.2%
- Sapphire Reserve — 2.1%
Advertising
- Ink Business Preferred — 6.2%
- Sapphire Reserve — 2.1%
Flights
- Sapphire Reserve — 8.2%
- Ink Business Preferred — 6.2%
Hotels
- Sapphire Reserve — 8.2%
- Ink Business Preferred — 6.2%
Peloton
- Sapphire Reserve — 20.5%
- Ink Business Preferred — 2.1%
Lyft
- Ink Business Preferred — 10.3%
- Sapphire Reserve — 10.3%
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