With so many great travel reward credit cards available, including some with huge welcome bonuses and amazing benefits, you may have a hard time choosing the one that suits your needs. This can become more overwhelming if you qualify for a small business credit card, which opens the door to many other options.
Chase’s two most valuable mid-level cards are Chase Sapphire Priority® Card (See rates and fees) and Ink Business First Choice® Credit Card (See rates and fees). They have similar benefits – including Chase Ultimate Rewards points – and an annual fee of $95.
They build a strong team, but you may just want or qualify for one of them.
Let’s take a look at how these cards stack on top of each other to help you decide whether one or both should have a place in your wallet.
Comparison of Sapphire’s preferred choice and ink business priority
| Chase Sapphire’s first choice | Chase Ink Business First Choice | |
|---|---|---|
| Annual fee | $95 | $95 |
| Welcome bonus | Earn 75,000 bonus points after spending $5,000 on purchases from the first three months of account opening. | Earn 90,000 bonus points from the first three months of the account opening after spending $8,000 on purchases. |
| Earn |
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| Notable benefits |
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Sapphire and ink services are preferred for welcome discounts
New Chase Sapphire’s first choice Cardholders can earn 75,000 bonus points by spending $5,000 in purchases in the first three months of opening.
According to TPG’s August 2025 valuation, this welcome offer is worth $1,538. This is the standard welcome quote we usually see on this card.
Meanwhile, New Datong Ink business priority Cardholders can earn 90,000 bonus points by spending $8,000 in purchases in the first three months of opening their account.
According to TPG’s August 2025 valuation, this welcome offer is worth $1,845. This is the standard welcome offer we usually see on this card.
Please note that both cards comply with the 5/24 rule, which means you cannot open five or more cards on all banks in the past 24 months, or will likely be denied when applying for both cards. Chase also recently updated its welcome bonus eligibility rules for its sapphire cards.
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Finally, for the ink business, you have to have a business to qualify, but it includes freelancers and limited liability companies.
winner: Ink business is preferred. Its welcome offer offers more value, but remember that the spending requirement is almost twice as much as sapphire preference.
Related: 5 reasons to get the ink business preferred
Sapphire’s preferred and ink business priority
Both cards offer amazing travel protection very similar Sapphire prefersMore comprehensive.
Both cards include cancellation of travel and interruption insurance. and Ink business priorityyou will get up to $5,000 per insurer you pay, and up to $10,000 per trip; sapphire preferences cover twice as much.
The two cards also offer the same reimbursement for travel delay reimbursement, luggage delay insurance and luggage loss.
These two cards also offer major rental car coverage, which is a great benefit, and can alleviate the expense and hassle of dealing with an agent or your own insurance if there is a problem with rental issues. However, the preferred benefit of the ink business indicates that your rent must be used for business purposes to enable this protection.
These two cards also offer purchase protection and extended warranty coverage. If you pay your monthly bill with a card, the phone protection you prefer for ink business can reach up to $1,000 ($100 deduction).
In addition to travel protection, Chase Sapphire Preferred provides a stated credit line of credit for each account anniversary, which is up to $50 in hotels booked through Chase Travel. In addition, cardholders receive 10% annual reward points each year. The bonus is based on your total expenses during the account anniversary year, with a fee of 1 point per $10.
Finally, Sapphire’s top pick also offers a free Doordash Dashpass membership for at least one year (activated until December 31, 2027) and a $10 monthly discount on non-noble Doordash orders.
Ink Business Preferred offers free employee cards, which is a great benefit for small businesses trying to save costs.
winner: Sapphire prefers it. Its benefits outweigh those priorities in the ink business.
Related: Why Sapphire Preference Still Be the Top Travel Reward Card Year After Year
Sapphire preference and ink business win points first
The revenue rates of these cards vary greatly. this Chase Sapphire’s first choice Earn at the following rates:
- 5 points per dollar for hotel and car rental purchased through Chase Travel (around 10.3% return based on TPG’s August 2025 valuation)
- 5 points per dollar on LYFT (as of September 2027; 10.3%)
- Peloton equipment and accessories purchases $150 or more for every $5 points (limited to 25,000 bonus as of December 31, 2027; 10.3% return)
- Per dollar dining, online grocery stores (excluding Walmart, Target and Wholesale Clubs) and streaming services (6.2%)
- 2 points per dollar in a wide range of travel purchases, including airline tickets, taxis, tolls and parking spaces (4.1%)
- Everything else 1 cent every dollar (2.1%)
this Ink business priority The income rate is much simpler:
- Lyft (to September 2027) 5 points per dollar (return 10.3%)
- The first batch of $150,000 per year, a travel combination for one anniversary year (the same broad category as Sapphire preferred), shipping purchases, internet, cable and telephone services, and advertising purchases with social media sites and search engines (6.2% gain) (6.2% return)
- Everything else 1 cent per dollar (return 2.1%)
Here are a few things to remember. First, if dining is one of your main expenses, Chase Sapphire’s top choice is the way to go. However, if travel is your primary expense, Ink Business Preferred earns points per dollar than most travel buys sapphire preferences.
If your business costs more than $150,000 a year, the preferred ink business may not be the best fit. If you still want to receive a reward through Chase, please apply for Sapphire Preferred or other Chase business cards.
Additionally, if your business spends more than $150,000 on advertising, you may want to consider Chase Sapphire Reserve for Business- (See Rates and Fees) as it has unlimited 3 points per dollar on social media and search engine ads. Despite the high $795 fee, if your ad spend is high, you will easily recover your annual fee with the rewards you receive.
winner: tie. Categories vary greatly, so your preferences will depend on your spending habits.
Sapphire preference and redemption points for ink business
Both cards earn final reward points, some of the most valuable around.
By transferring it to one of Chase’s 14 airline and hotel loyalty partners, you’ll get the highest value.
Cardholders of both products can also be redeemed directly through Chase Travel, at a value of up to 1.75 cents per point, depending on the specific redemption.
Additionally, points can be redeemed through the Chase’s Pay ream Rack feature to cover eligible purchases in selected categories.
Points can also be used for cashback or gift cards, 1 cent per point.
winner: tie. You will get the same redemption option on either card.
Related: 6 sweet places for the ultimate reward
Transfer Points Priority through Sapphire Preferences and Ink Business
Ultimate Rewards Points can be transferred to 11 airline partners including British Airways, Southwest and United, as well as three hotel programs: IHG One Rewards, Marriott Bonvoy and Hyatt World.
These transfer partners can provide great value. For example, TPG credit card writer Chris Nelson recently transferred only 8,000 points to United Airlines, where he was able to snap up a last-minute reward ticket from Belgrade Nikola Tesla Airport (BEG) to Warsaw Chopin Airport (WAW) to Star Alliance Partners.
winner: tie. You will get the same redemption option on either card.
Related: How I Use Transfer Bonus to Get Recliner Seats for Only 21,000 Points
Should I prioritize sapphire or ink business?
You should consider bringing a personal credit card or a business. If you like personal credit cards and you can benefit from it Chase Sapphire’s first choiceExcellent travel protection and bonus categories, this may be a better choice for you. Nevertheless, sapphire still likes it Ink business priority A powerful showdown was held together to increase your travel rewards to the stratosphere.
Bottom line
If you are trying to make a decision between Chase Sapphire Preferred and Ink Business preferred, consider whether you want a business or personal card, which card offers the best category bonus, and which offers better travel protection.
They are two of the best travel reward credit cards available today, both of which are great ways to keep improving your points earnings.
To learn more, read our full review of Chase Sapphire preferences and the ink business.
Apply here: Chase Sapphire’s first choice
Apply here: Ink business priority
