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Side-by-side

Chase Ink Business Premier vs Sapphire Reserve for Business

Both are business travel cards. The Chase Ink Business Premier comes from Chase at $195/yr; the Sapphire Reserve for Business from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

Both cards come from Chase and target business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Sapphire Reserve for Business costs $600 more per year, only worth it if you'll actually use the upgraded perks.

FeatureChase Ink Business PremierSapphire Reserve for Business
Annual fee$195$795
Sign-up bonus$1,000 cash back150,000 points
Bonus value (est.)$1,000$2,595
Min spend to unlock bonus$10,000 in 3 mo$20,000 in 3 mo
IssuerChaseChase
Card categorybusinessbusiness
Best earning category (Travel_chase)5x1x
Transfer partnersNonechase-ur
Headline benefits
  • 100k bonus (one of largest)
  • 2.5x on $5k+ purchases
  • 5x Chase Travel
  • Pay-in-full (no APR)
    Read the full review
    Chase Ink Business Premier
    $195/yr · $1,000 cash back
    Read the full review
    Sapphire Reserve for Business
    $795/yr · 150,000 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: Sapphire Reserve for Business

    Common questions

    Which card has the bigger sign-up bonus, Chase Ink Business Premier or Sapphire Reserve for Business?
    The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus $1,000 cash back (~$1,000) on the Chase Ink Business Premier.
    Is the Chase Ink Business Premier's $195 annual fee worth it compared to the Sapphire Reserve for Business?
    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 Sapphire Reserve for Business's, pick the one whose perks you'll actually use.
    Can I have both the Chase Ink Business Premier and Sapphire Reserve for Business?
    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 Sapphire Reserve for Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Premier: $10,000 spend in 3 months. Sapphire Reserve for Business: $20,000 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.