Chase Sapphire Reserve® vs. Chase Ink Business Preferred®
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
Full review →Chase Ink Business Preferred®
Chase
4.8
100,000-point bonus. 3x on travel, shipping, advertising.
Full review →WealthSpott Verdict
Chase Ink Business Preferred® wins on more measurable categories — particularly annual cost. Chase Sapphire Reserve® may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Reserve®
Chase Ink Business
Annual Fee
$550/yr
$95/yr Best
Sign-up Bonus
60,000 points
100,000 points
Rewards Rate
1x-10x
1x-3x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
22.49%-29.49% Variable
21.24%-26.24% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
720-850
720-850
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
Chase Ink Business Preferred®
Pros
- 100,000-point bonus worth $1,250+ in travel
- 3x on travel, shipping, and advertising
- Points transfer to airline and hotel partners
- No foreign transaction fees
Cons
- $8,000 minimum spend for bonus
- Requires a business (sole proprietor OK)
- $95 annual fee
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