Chase Sapphire Preferred vs Chase Ink Business Preferred
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Sapphire Preferred wins 1-0. First-time travel-rewards card, sweet-spot earn rates Chase Ink Business Preferred is still the right call if us-incorporated startups — best welcome bonus in the business-card space..
Side-by-side
| Criterion | Chase Sapphire Preferred | Chase Ink Business Preferred |
|---|---|---|
| Annual fee | = $95 | = $95 |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel) | = 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel) |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | = 700 | = 700 |
| Editorial rating | = 4.7/5 | = 4.7/5 |
Benefits compared
Chase Sapphire Preferred
- 5x points on travel booked through Chase Ultimate Rewards
- 3x on dining (incl. takeout & delivery)
- 2x on all other travel
- 25% more value when redeeming for travel via Chase Ultimate Rewards portal
- No foreign transaction fees
- Trip cancellation/interruption insurance, primary auto rental coverage
Chase Ink Business Preferred
- 3x points on travel + shipping + advertising + telecom (first $150K/year)
- 1x on everything else
- No foreign transaction fees
- Cell phone protection up to $1,000/claim
- Transferable to airline + hotel partners 1:1
- Employee cards at no cost
FAQ
›Chase Sapphire Preferred vs Chase Ink Business Preferred: which is better?
Chase Sapphire Preferred wins on more dimensions (1 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Sapphire Preferred for its best categories, Chase Ink Business Preferred for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Sapphire Preferred: 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel). Chase Ink Business Preferred: 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel).