Chase Sapphire Reserve vs Chase Ink Business Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Sapphire Reserve wins 3-2. Annual travelers — the upgrade path from Sapphire Preferred. Chase Ink Business Cash is still the right call if no-fee small-business card — 5% on office supplies, internet, cable..
Side-by-side
| Criterion | Chase Sapphire Reserve | Chase Ink Business Cash |
|---|---|---|
| Annual fee | · $550 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 60,000 points after $4,000 in first 3 months | = $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 740 | 700 |
| Editorial rating | 4.7/5 | · 4.6/5 |
Benefits compared
Chase Sapphire Reserve
- 10x on hotels and rental cars booked via Chase Travel
- 5x on flights booked via Chase Travel
- 3x on all other dining + travel
- $300 annual travel credit
- Priority Pass Select + Chase Sapphire Lounge access
- 50% bonus when redeeming for travel via Chase portal
Chase Ink Business Cash
- 5% cashback on office supply stores + telecom (up to $25K/year combined)
- 2% at gas stations + restaurants (up to $25K/year combined)
- 1% on everything else
- No annual fee
- 0% intro APR for 12 months
FAQ
›Chase Sapphire Reserve vs Chase Ink Business Cash: which is better?
Chase Sapphire Reserve wins on more dimensions (3 vs 2). 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 Reserve for its best categories, Chase Ink Business Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Sapphire Reserve: 60,000 points after $4,000 in first 3 months. Chase Ink Business Cash: $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months.