Chase Sapphire Reserve for Business℠ vs Ink Business Preferred®
Side-by-side comparison
| Chase Sapphire Reserve for Business℠ | Ink Business Preferred® | |
|---|---|---|
| Annual fee | $795 | $95 |
| Welcome offer | 100,000 Ultimate Rewards® Points | |
| Advertising | 1% | 3% |
| Shipping | 1% | 3% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 3% |
| Travel | 4% | 3% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $666 | $846 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Chase Sapphire Reserve for Business℠ | Ink Business Preferred® |
|---|---|---|
| Welcome bonus | 200,000 Ultimate Rewards® Points | 100,000 Ultimate Rewards® Points |
| To earn it | $30,000 in 6 months | $8,000 in 3 months |
| Est. first-year value* | $2,271 | $1,761 |
| Est. ongoing value / yr* | $271 | $761 |
This one splits by time horizon. In year one the Chase Sapphire Reserve for Business℠ is ahead by roughly $510, thanks largely to its welcome offer. But the Ink Business Preferred® earns more every year after, so if you keep it, it overtakes the Chase Sapphire Reserve for Business℠ after about 2 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Chase Sapphire Reserve for Business℠. Planning to keep it for years? The Ink Business Preferred® pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Chase Sapphire Reserve for Business℠ | Ink Business Preferred® |
|---|---|---|
| Lounge access | Yes — Priority Pass, Sapphire Lounges | None |
| Annual credits | ~$400/yr (2 credits) | ~$10/yr (1 credits) |
| Points & redemptions | Transferable to airline & hotel partners | Transferable to airline & hotel partners |
On perks and redemptions, only the Chase Sapphire Reserve for Business℠ gets you into airport lounges; the Chase Sapphire Reserve for Business℠ carries the heavier credit stack (about $400 a year). Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Both cards earn Chase Ultimate Rewards, so they transfer to the identical partners at the same ratios, headlined by World of Hyatt, United, Air Canada, Southwest, and British Airways Avios. On transfers there is no difference between them; the choice comes down to earning and perks, not where the points can go.
The verdict
On a typical year of business spending, the Chase Sapphire Reserve for Business℠ earns about $666 a year in rewards and the Ink Business Preferred® about $846, valuing every point at a flat 1 cent. The Chase Sapphire Reserve for Business℠ charges $795, but carries about $400 in annual statement credits that offset it for anyone who uses them. The Ink Business Preferred® charges $95, but carries about $10 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Ink Business Preferred® delivers more total value, about $685 a year more for a typical spender, mostly because it earns more where you spend most, on advertising and shipping. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Chase Sapphire Reserve for Business℠ currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Chase Sapphire Reserve for Business℠ if your spending leans toward travel. Pick the Ink Business Preferred® if your spending leans toward advertising, shipping, phone & internet.