RewardZ Travel
All credit cards
Side-by-side

Chase Ink Business Premier vs Chase Sapphire Preferred

Both are well-respected travel cards. The Chase Ink Business Premier comes from Chase at $195/yr; the Chase Sapphire Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureChase Ink Business PremierChase Sapphire Preferred
Annual fee$195$95
Sign-up bonus100,000 points75,000 points
Bonus value (est.)$2,000$1,500
Min spend to unlock bonus$10,000 in 3 mo$5,000 in 3 mo
IssuerChaseChase
Card categorybusinesstravel
Best earning category (Travel_chase)5x1x
Transfer partnerschase-urchase-ur
Headline benefits
  • 100k bonus (one of largest)
  • 2.5x on $5k+ purchases
  • 5x Chase Travel
  • Pay-in-full (no APR)
  • 5x on travel booked via Chase
  • 3x on dining & streaming
  • $50 annual hotel credit
  • Transfer to 10+ partners
Read the full review
Chase Ink Business Premier
$195/yr · 100,000 points
Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 points

Editorial take: Chase Ink Business Premier

Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards — perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.

Editorial take: Chase Sapphire Preferred

The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game.

Common questions

Which card has the bigger sign-up bonus, Chase Ink Business Premier or Chase Sapphire Preferred?
The Chase Ink Business Premier has the bigger bonus — 100,000 points, worth roughly $2,000, versus 75,000 points (~$1,500) on the Chase Sapphire Preferred.
Is the Chase Ink Business Premier's $195 annual fee worth it compared to the Chase Sapphire Preferred?
At $195/yr, the Chase Ink Business Premier is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Sapphire Preferred's — pick the one whose perks you'll actually use.
Can I have both the Chase Ink Business Premier and Chase Sapphire Preferred?
Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Chase Ink Business Premier or the Chase Sapphire Preferred first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Premier: $10,000 spend in 3 months. Chase Sapphire Preferred: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.