Business-heavy
- Dining $200
- Flights $300
- Hotels $150
- Phone and internet $300
- Other $1,500
Chase Ink Business Preferred vs Sapphire Preferred
Ink Business Preferred vs Sapphire Preferred isn’t really a fight: both cards have the same annual fee and earn Chase Ultimate Rewards points with access to Chase transfer partners. Ink Preferred pays its bonus on business categories—travel, shipping, advertising, and internet, cable, and phone. Sapphire Preferred pays on dining, gas and EV charging, online groceries, top streaming services, and personal travel. The right first card depends on where your money goes, and many people end up holding both.
Offers change—confirm current terms with Chase. Use the MaxPoints calculator presets below to test both cards on your real budget.
How MaxPoints helps
Ink vs Sapphire roundups often ignore that the points are the same. MaxPoints compares what each card nets on the dollars you actually spend.
- Pick a preset below—or enter your own monthly spend.
- Split business and personal spend honestly. That split decides this matchup.
- Look at the whole wallet—Ink and Sapphire points can be combined.
Open the free credit card rewards calculator — no signup required.
Spend presets
Illustrative monthly spends. Open a mix in the calculator, then change any dollar amount.
Personal spender
- Dining $600
- Groceries $400
- Flights $200
- Hotels $150
- Other $800
Mixed
- Dining $400
- Groceries $300
- Flights $300
- Hotels $200
- Phone and internet $200
- Other $1,000
Quick comparison
Typical differences only. Fees, credits, and earn rates change—confirm current terms with the issuer before you apply.
Who it’s for
Ink Business Preferred (typical story)
Business owners, freelancers, and side hustles
Sapphire Preferred (typical story)
Personal spending
Bonus categories
Ink Business Preferred (typical story)
Travel, shipping, social and search ads, internet, cable, and phone, up to a yearly combined cap
Sapphire Preferred (typical story)
Dining, gas and EV charging, online groceries, top streaming, travel, and Chase Travel
Extras
Ink Business Preferred (typical story)
Cell phone protection when you pay the bill with the card
Sapphire Preferred (typical story)
Chase Travel hotel credit and DoorDash promos
Points
Ink Business Preferred (typical story)
Chase Ultimate Rewards with transfer partners
Sapphire Preferred (typical story)
Chase Ultimate Rewards with transfer partners
Chase 5/24
Ink Business Preferred (typical story)
Business card; approval can still be affected by 5/24
Sapphire Preferred (typical story)
Personal card; subject to 5/24
Best next step
Ink Business Preferred (typical story)
Run Is Ink Preferred worth it?
Sapphire Preferred (typical story)
| Angle | Ink Business Preferred (typical story) | Sapphire Preferred (typical story) |
|---|---|---|
| Who it’s for | Business owners, freelancers, and side hustles | Personal spending |
| Bonus categories | Travel, shipping, social and search ads, internet, cable, and phone, up to a yearly combined cap | Dining, gas and EV charging, online groceries, top streaming, travel, and Chase Travel |
| Extras | Cell phone protection when you pay the bill with the card | Chase Travel hotel credit and DoorDash promos |
| Points | Chase Ultimate Rewards with transfer partners | Chase Ultimate Rewards with transfer partners |
| Chase 5/24 | Business card; approval can still be affected by 5/24 | Personal card; subject to 5/24 |
| Best next step | Run Is Ink Preferred worth it? | Run Is Sapphire Preferred worth it? |
Tips
The points are the same. Ink Preferred and Sapphire Preferred both unlock Chase transfer partners, so choose on spend, not on points.
Keep business spend separate. A business card keeps expenses apart for bookkeeping, which matters more than a small earn difference.
Ads and shipping only count on Ink. Advertising and shipping earn base points on Sapphire Preferred.
Dining only counts on Sapphire. Restaurants earn base points on Ink Preferred.
Order matters for 5/24. See Chase’s 5/24 rule before planning which card to open first.
FAQ
Ink Preferred is better for business spend on travel, ads, shipping, and phone and internet; Sapphire Preferred is better for personal dining and travel. Run a MaxPoints preset with your numbers.
Yes. Both earn Chase Ultimate Rewards with access to Chase transfer partners, and you can combine points between Chase accounts. Check Chase for partner-specific transfer ratios.
You need a business purpose, which can include freelancing or a sole proprietorship. Chase decides eligibility—confirm with Chase before applying.
Many people do: Ink Preferred for business categories and Sapphire Preferred for dining and personal travel. Model the pair in the full calculator before applying.
Yes. The calculator is free and doesn’t require a signup to compare cards.
Ink Preferred vs Sapphire Preferred depends on your business and personal split. Load a preset, adjust the dollars, and see which card nets more on your wallet.
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