If you are thinking about the next card application, two options for Chase may appeal to you.
this Ink Business First Choice® Credit Card (See rates and fees) and Chase SapphireReserve® (See Rates and Fees) are both popular reward cards with their own privileges and key differences – just like the fact that the ink business is preferred is a business card, and Sapphire Reserve is a premium travel card.
While Sapphire Reserve has a flashy name and high-end privileges, the actual allowance for the ink business may make more sense for many wallets.
Here are six reasons why you might want to collect valuable Chase Ultimate Rewards points with an ink business that outperforms Sapphire Reserve.
You are not eligible for a welcome bonus from Sapphire Reserve
One of the best ways to earn points is to collect popular bonuses. With Chase changing its sapphire bonus qualification in 2025 and receiving a welcome offer Sapphire Conservation Area It has become more challenging.
That’s because if you’ve already received a welcome bonus on your sapphire reserve, or you currently hold Chase Sapphire Priority® Card (See rates and fees) You are likely not eligible for a bonus for sapphire reserves.
This will be the new sapphire reserve applicant, as new cardholders can earn 100,000 bonus points, plus $500 in Chase Travel promo Credit*, which started with $5,000 from account opening in the previous three months. According to TPG’s August 2025 valuation, it’s worth up to $2,550.
*Please note that the terms of travel credit status: valid only for one-time use, if you apply promotional credit to transactions below $500, the remaining balance will be lost.
Meanwhile, new Ink business priority Cardholders spend $8,000 in the first three months after opening, earning 90,000 bonus points. TPG’s valuation believes the bonus is worth $1,845.
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Although the ink business prefers higher spending requirements for bonuses, it has fewer limits than sapphire reserves. Plus, Ink Business Preferred offers a great deal on $95 year fees, especially compared to the $795 annual fee on Sapphire Reserve.
Related: The best time to apply for a chasing credit card based on quote history
You value simplicity and don’t want to pay for seniors
Speaking of annual fees, you may prefer Ink business priority Just because its $95 annual fee is much lower than the included $795 fee Sapphire Conservation Area.
The first choice for the ink business is a solid business card that earns Chase Ultimate Rewards points. This is a better option for a simple spender who is not interested, as the Sapphire reserve offers a long list of such benefits, which means offsetting its high expenses.
If it is not your preference for annual charges, then you’d better choose the ink business.
Related: How to determine if an annual fee for a credit card is worth paying
You often spend on general travel and choosing business categories
this Ink business priorityThe bonus category is reliable for a $95-year fee card. This is a great option if you want to improve your valuable chase points.
With the preferred ink business, you will earn 3 points per dollar in the first $150,000 spent in the following categories of each account anniversary year:
- Advertising purchases through social media sites and search engines
- Internet, cable and telephone services
- Shipping
- travel
this Sapphire Conservation Area Travel-related bonus categories are also available. With this card, you will earn money:
- Each dollar spent 8 points on purchases made through Chase Travel
- 4 o’clock per dollar for flights and hotels booked directly
The key aspect of the ink business prefers to lead is to include the general travel category.
Of course, Sapphire Reserve earns 8 points per dollar on trips booked in its portal, every dollar booked directly on hotels and flights, but any other general travel purchase can only get 1 point per dollar.
Meanwhile, the preference of the ink business earns 3 points per dollar on travel purchases, such as buses, campgrounds, car rental companies, cruise ships, ferries, parking lots and garages, taxis and more.
So if you find yourself booking trips outside of hotels, flights, and Chase Travel, the first choice for the ink business and you will get a better return on your spending.
Related: The Best Credit Cards to Buy on General Travel
You won’t redeem points often by chasing travel
You will Ink business priority and Sapphire Conservation Area The same 14 loyalty program partners can be transferred and can be maximized this way.
Both Ink Business Preferred and Sapphire Reserve have access to Chase’s Points Enhancement, which allows cardholders to redeem points for 1.75 or 2 points per dollar respectively through Chase Travel to earn select flights and hotel reservations via the portal.
If you choose the ink business, you may leave some value on the table. This is because the maximum value of sapphire reserves increased through point increases is higher.
But if you’d rather take advantage of your transfer partner to redemption (which is a great way to satisfy even more than TPG’s full Chase Points estimated at 2.05 cents), you can even get your foot in Ink Business Preferred and Sapphire Reserve.
For example, you can transfer 40,500 Ultimate Rewards Points to Club Iberia to book a one-way business-class flight to and from Iberia Madrid. Since the cash price for this flight is $3,258, your 8 cents is incredible.
And, with the priority of the ink business, you will reduce your annual fee by $700 to have the exact same transfer options as your points.
Related: Why transferable points and mileage are higher than other rewards
You want mobile phone protection
and Sapphire Conservation Area Offering multiple privileges is a disadvantage of a key benefit Ink business priority Including: mobile phone protection.
The cardholder of the ink business (and if the employee chooses) will receive up to $1,000 in theft or compensation, but as long as that number is listed on their monthly bill and they pay the bill with a card. The claim limit for each 12-month is three claims, with a deduction of $100 per claim.
If phone protection is an important benefit to you, the preferred ink business is the obvious choice.
Related: Less-known credit cards can save you money
You already have a luxury travel card
If there is American Express Platinum Card® and discover its luxury items (such as lounge access, elite status and description credit (registration required; applicable terms)) are sufficient for you Sapphire Conservation Area Budget.
this Ink business priority Allows you to earn chase points with high returns and stable travel and purchase protections based on smaller annual fees.
If your card settings do not lose advanced cards, you may not need sapphire reserves.
Related: Why Amex Platinum Still Takes Supreme Domination in Luxury Travel Space
Bottom line
Your unique situation plays a key role in whether you will be better off your situation Ink business priority exist Chatong Sapphire Reserve. As with any chase card, make sure you are below 5/24 and meet other application requirements.
Remember, there are many ways to qualify for a business card, such as bystanders and freelance shows. So don’t put the ink business on the table just because you’re not a traditional small business owner. This card is a reliable option for many people.
For more information, see our full review of Chase Ink business.
Apply here: The preferred credit card for ink business
