Why the Ink Business Preferred Card Might Be Your Best Choice

If you’re exploring your options for a new credit card, two standout offerings from Chase are certainly worth considering: the Ink Business Preferred® Credit Card and the Chase Sapphire Reserve®. Both cards are popular for their rewards potential, but they cater to different needs and lifestyles. While the Sapphire Reserve boasts a premium image and high-end benefits, the Ink Business Preferred may offer more practical advantages for many users, especially those who are business-minded or simply want to maximize their rewards without breaking the bank.

Here are six compelling reasons why the Ink Business Preferred could be the better choice for you compared to the Sapphire Reserve.

1. Attractive Welcome Bonuses

One of the most enticing ways to rack up points is through welcome bonuses. However, Chase has recently made changes to its Sapphire bonus eligibility that could complicate things for new applicants. If you’ve previously earned a bonus on the Sapphire Reserve or currently hold the Chase Sapphire Preferred® Card, you might not qualify for the Sapphire Reserve’s welcome offer.

This could be disappointing, especially since new Sapphire Reserve cardholders can earn a whopping 100,000 bonus points plus a $500 Chase Travel℠ promo credit after spending $5,000 in the first three months. According to TPG’s August 2025 valuations, this offer is worth up to $2,550. However, keep in mind that the promotional credit is only valid for one-time use, and any remaining balance will be forfeited if the transaction is under $500.

In contrast, new Ink Business Preferred cardholders can earn 90,000 bonus points after spending $8,000 in the first three months, with an estimated value of $1,845. While the spending requirement is higher, the Ink Business Preferred has fewer restrictions, making it a more accessible option for many.

2. Lower Annual Fees

When it comes to annual fees, the Ink Business Preferred’s $95 fee is significantly lower than the Sapphire Reserve’s steep $795 fee. This affordability makes the Ink Business Preferred an attractive choice, especially for those who want to earn valuable Chase Ultimate Rewards points without incurring high costs. For simple spenders who prefer not to juggle multiple statement credits, the Ink Business Preferred offers a straightforward rewards structure that may be more appealing.

3. Generous Rewards Categories

The Ink Business Preferred stands out with its bonus categories, allowing you to earn 3 points per dollar on the first $150,000 spent in combined purchases across various categories each account anniversary year. These categories include popular business-related expenses, making it easier to rack up points.

While the Sapphire Reserve also offers travel-related bonus categories, it only earns 1 point per dollar on general travel purchases outside of its portal. The Ink Business Preferred, however, rewards you with 3 points per dollar spent on a broader range of travel expenses, including buses, campgrounds, car rentals, and more. If your travel spending extends beyond hotels and flights, the Ink Business Preferred may provide a better return on your investment.

4. Flexible Point Redemption Options

Both the Ink Business Preferred and Sapphire Reserve allow you to transfer points to 14 loyalty program partners, maximizing the value of your rewards. They also offer Chase’s Points Boost feature, which lets cardholders redeem points through Chase Travel for up to 1.75 or 2 points per dollar in value, respectively.

While the Sapphire Reserve offers a higher maximum value for point redemptions, if you prefer leveraging transfer partners, both cards provide equal opportunities. For example, transferring points to Iberia Club for a one-way business-class flight to Madrid can yield incredible value, making either card worthwhile depending on your spending habits.

5. Unique Benefits Like Cellphone Protection

One notable advantage of the Ink Business Preferred is its cellphone protection feature. Cardholders can receive up to $1,000 in coverage for theft or damage per claim, provided the phone number is listed on the monthly bill and the bill is paid with the card. This benefit, which includes up to three claims per year with a $100 deductible per claim, is not available with the Sapphire Reserve. If protecting your mobile device is a priority, the Ink Business Preferred is the clear winner.

6. Ideal for Non-Traditional Business Owners

Even if you don’t consider yourself a traditional small business owner, you might still qualify for the Ink Business Preferred. Many side hustlers and freelancers can take advantage of this card, making it a practical option for a wide range of consumers. If you’re looking to earn valuable rewards while managing your expenses, don’t overlook the Ink Business Preferred simply because you don’t fit the typical business profile.

In conclusion, your choice between the Ink Business Preferred and the Chase Sapphire Reserve will ultimately depend on your unique financial situation and spending habits. The Ink Business Preferred offers practical benefits, lower fees, and a generous rewards structure that can be particularly appealing for those who prioritize value and simplicity.

If you’re ready to explore the advantages of the Ink Business Preferred, check out our full review and consider applying today. Your everyday spending could transform into valuable travel experiences or cash back rewards that enhance your lifestyle.