Dedicated comparison page

Chase Ink Business Preferred vs Chase Sapphire Preferred

Chase Ink Business Preferred vs Chase Sapphire Preferred on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeChase Ink Business Preferred$95
Highest reward rateChase Ink Business Preferred1.0%
Lowest starting credit rangeChase Sapphire Preferred700+

Quick Take

Chase Ink Business Preferred

by Chase

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Chase Ink Business Preferred is a business card from Chase with a $95 annual fee, 100,000 points after $15,000 in 3 months, and good to excellent credit.

Best for: People focused on business rewards who can justify a $95 annual fee and who typically have good to excellent credit.

  • 3% on Travel
  • 100,000 points after $15,000 in 3 months
  • No foreign transaction fee
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Chase Sapphire Preferred

by Chase

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Chase Sapphire Preferred is a travel card from Chase with a $95 annual fee, 60,000 points after $4,000 in 3 months, and good to excellent credit.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

  • 5% on Travel
  • 60,000 points after $4,000 in 3 months
  • No foreign transaction fee
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Side-by-Side Facts

MetricChase Ink Business PreferredChase Sapphire Preferred
Annual Fee$95$95
Reward Rate1.0%1.0%
Signup Bonus100,000 points after $15,000 in 3 months60,000 points after $4,000 in 3 months
Foreign Transaction FeeNoneNone
Recommended CreditGood to excellent creditGood to excellent credit
Rewards SummaryEarn elevated rewards with 3% on Online, 3% on Streaming and 3% on Travel, plus 1% on other purchases.Earn elevated rewards with 5% on Travel, 3% on Dining and 3% on Online, plus 1% on other purchases.

Who Should Pick Which Card?

Chase Ink Business Preferred

Its strongest earning category is Travel at 3%, backed by 1% on general spending. It also avoids foreign transaction fees.

Best for: People focused on business rewards who can justify a $95 annual fee and who typically have good to excellent credit.

Pros

  • 100,000 points after $15,000 in 3 months
  • Potentially worthwhile if you use the card enough to cover the $95 annual fee
  • Earns 3% on Travel
  • Earns 3% on Online

Tradeoffs

  • Annual fee of $95 means you need ongoing value from the card
  • Typically requires good to excellent credit
  • Signup bonus requires $15000 in spending within 3 months
  • Base rewards on non-bonus spending are relatively modest

Chase Sapphire Preferred

Its strongest earning category is Travel at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

Pros

  • 60,000 points after $4,000 in 3 months
  • Potentially worthwhile if you use the card enough to cover the $95 annual fee
  • Earns 5% on Travel
  • Earns 3% on Dining

Tradeoffs

  • Annual fee of $95 means you need ongoing value from the card
  • Typically requires good to excellent credit
  • Signup bonus requires $4000 in spending within 3 months
  • Base rewards on non-bonus spending are relatively modest

Frequently Asked Questions

What is the main difference between Chase Ink Business Preferred and Chase Sapphire Preferred?

The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

Which card is easier to qualify for?

Chase Sapphire Preferred has the lowest published starting credit range in this comparison at 700.

Which card has the lowest annual fee?

Chase Ink Business Preferred has the lowest annual fee in this comparison at $95.