chase ink vs sapphire

Chase Ink vs Sapphire: The Battle for the Best Ultimate Rewards Card

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There are five Chase credit cards that earn at least 50,000 Ultimate Rewards points from the signup bonus alone. Two of them are personal Chase Sapphire credit cards and three are business Chase Ink credit cards. All five of these Chase Ultimate Rewards cards earn top ranks when it comes to travel credit cards. Out of the five, we’ll analyze each card and determine which comes out on top in the battle of Chase Ink vs Sapphire.

  • Ink Business Preferred – 50,000 Point Signup Bonus
  • Chase Sapphire Preferred – 80,000 Point Signup Bonus
  • Ink Business Cash – 50,000 Point Signup Bonus
  • Chase Sapphire Reserve – 50,000 Point Signup Bonus
  • Ink Business Unlimited – 50,000 Point Signup Bonus

 

As you can see, the Ink Preferred card has the highest signup bonus. All of these cards have their own benefits. Let’s start comparing them.

 

Chase Sapphire: Personal Credit Cards

There are two versions of the Chase Sapphire credit card. The all-around good credit card in the Sapphire Preferred, and the ultra-premium credit card in the Sapphire Reserve. They’re both excellent travel credit cards in their own ways. It just depends on what you, the consumer, prefer. Let’s see what they have to offer.

 

Chase Sapphire Preferred

50,000 Points after spending $4000 in the first 3 months

Chase Sapphire Preferred Credit Card
  • Introductory Offer: You’ll earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards and potentially even more if transferred to travel partners.
  • Earning Categories: You’ll earn 2 points on travel and dining at restaurants worldwide & 1 point per $1 spent on all other purchases.
  • Travel Point Transfer Partners: 1:1 point transfer to leading airline and hotel loyalty programs.
  • Extra Point Value: Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
  • Annual Fee: $95 (waived in year 1)

 

This is the best travel credit card to get first. Learn more about this card and find out how to apply HERE.

 

Chase Sapphire Reserve

50,000 Points after spending $4000 in the first 3 months

Chase Sapphire Reserve Credit Card
  • Introductory Offer: Earn an introductory 50,000 points after spending $4,000 within the first three months.
  • Statement Credits: Receive a $300 in statement credits each year (based on your account anniversary) to cover travel expenses like airfare and hotels.
  • Receive a $100 Statement credit as reimbursement for Global Entry or TSA PreCheck enrollment.
  • Earning Categories: You’ll earn 3 points per $1 spent on dining and on travel that doesn’t qualify for the $300 travel reimbursement each year and one point per $1 on everything else.
  • Travel Point Transfer Partners: 1:1 point transfer to leading airline and hotel loyalty programs.
  • Extra Point Value: Receive 50 percent more value for your points when you redeem for travel via Chase Ultimate Rewards.
  • Airport Lounge Access: Visit more than 1000 airport lounge locations while traveling with a Priority Pass Select membership.
  • Annual Fee: $450

 



This is the best premium travel credit card overall. Learn more about this card and find out how to apply HERE.

 

 

The Best Chase Sapphire Card

Before examining the Chase Ink vs Sapphire debate, let’s find out which of the Sapphire cards is the best. This will be a tough decision because the differences between the cards are great. The signup bonuses are identical so that’s a wash. The Sapphire Preferred earns 2 points per dollar spent on travel and dining compared to 3 points per dollar on the Sapphire Reserve. Now to compare the benefits and fees. The Sapphire Preferred has minimal travel benefits and has an annual fee of $95, which is waived in the first year. Sapphire Reserve, on the other hand, has extremely valuable benefits but also comes with a high $450 annual fee.

 

Basically, the better Chase Sapphire card depends on what you’re looking for as a cardmember. If you don’t want a high annual fee, the best card is the Sapphire Preferred. But, if you want airport lounge access, TSA PreCheck, and will spend at least $300 on travel to receive the statement credit, the Sapphire Reserve is definitely worth the fee for you.

 

Overall, we’ll say that the Sapphire Preferred is the winner of the Chase Sapphire category because it has no annual fee the first year and has an equal signup bonus. Now let’s check out the Chase Ink business cards so that we can find out which is better in the Chase Ink vs Sapphire contest.

 

chase ink vs chase sapphire

 

Chase Ink: Business Credit Cards

Now that we’ve seen what the Chase Sapphire cards have to offer, let’s dive into the details of the Chase Ink business credit cards. There are three Chase Ink cards with widely differing features. They are all excellent choices. I actually have all three of these credit cards because they work well together. If you have multiple Ultimate Rewards credit cards you can transfer points between accounts to join them together.

 

Ink Business Preferred

80,000 Points after spending $5000 in the first 3 months

Chase Ink Business Preferred Credit Card
  • Introductory Offer: You’ll earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from your account opening.
  • Earning Categories: You’ll earn 3 points per $1 on the first $150,000 spent on travel and select business categories (including social media advertising!) each account anniversary year.  You’ll earn 1 point per $1 on all other purchases, with no limit to the amount you can earn.
  • Other Benefits: Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards.  You can redeem points for travel, cash back, and gift cards, or transfer your points to an airline or hotel partner.  You’ll get a cell phone protection plan of up to $600 when you pay your cell phone bill with the card.  You’ll receive rental car loss and damage coverage if your reservation is paid with the card.
  • Annual Fee: $95

 

This business travel rewards card has the best signup bonus of all travel credit cards. Learn more about this card and find out how to apply HERE.

 

Ink Business Cash

50,000 Points after spending $3000 in the first 3 months

Chase Ink Business Cash Credit Card
  • Introductory Offer: You’ll earn $500 bonus cash back (via 50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Category Spend Bonuses: You’ll earn 5 points per $1 spent on the first $25,000 spent on purchases at office supply stores and on internet, cable and phone services each account anniversary year.  You’ll earn 2 points per $1 on the first $25,000 spent at gas stations and restaurants each account anniversary year.  You’ll earn 1 point per $1 spent on all other purchases with no limit to the amount you can earn.
  • Special Introductory APR: 0% introductory APR for 12 months on purchases and balance transfers.
  • Annual Fee: There is no annual fee.

 

This business rewards card pairs well with the other Chase Ultimate Rewards cards. Learn more about this card and find out how to apply HERE.

 

Ink Business Unlimited

50,000 Points after spending $3000 in the first 3 months

Chase Ink Business Unlimited Credit Card
  • Introductory Offer: You’ll earn $500 bonus cash back (via 50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Category Spend Bonuses: You’ll earn unlimited 1.5 points per $1 spent on every purchase made for your business.
  • Special Introductory APR: 0% introductory APR for 12 months on purchases and balance transfers.
  • Annual Fee: There is no annual fee.

 

This business rewards card pairs well with the other Chase Ultimate Rewards cards. Learn more about this card and find out how to apply HERE.

 

The Best Chase Ink Card

Hands down, the best Chase Ink card is the Ink Business Preferred. It is honestly the best credit card out there. Period. The signup bonus is nothing less than amazing at 80,000 points. My wife and I were able to book both round-trip flights to Hawaii and a resort on the beach for 3 of our nights with just the points from this signup bonus. No other card can get you that kind of value. Plus, the card only has a $95 annual fee. The Ink Preferred can also be converted to a no-fee card at any time if you wish.



 

Here’s why I have all three of these cards for a deadly combination of points earning. The Ink Business Preferred earns 3 points per dollar on certain business expenses and when the points are in this account they’re worth more and you can transfer to partner airlines and hotels (I often get 2 cents per point on redemptions this way). The Ink Business Cash earns 5 points per dollar on common expenses like cable, phone, and office supplies (5X on gift cards at an office supply store – they have a lot of options – wink, wink). Then, the Ink Business Unlimited earns 1.5 points per dollar on everything else. Together, they are a point-earning machine!

chase sapphire vs ink

 

Chase Ink vs Sapphire: Who’s the Winner?

Now we’ve seen the features of each credit card. We’re now ready to discuss which is better between Chase Ink vs Sapphire. This is how we’ll do it. We’ll have a few category winners for the cards that are the best at one particular feature. Then we’ll crown the overall winner of the Chase Ink vs Sapphire battle.

 

Best First Travel Card: Sapphire Preferred

Top Premium Travel Card: Sapphire Reserve

Best Card for Earning Points on Purchases: Ink Cash

Top Card for Simplicity in Earning: Ink Unlimited

CHASE INK vs SAPPHIRE CHAMPION: INK PREFERRED

 

Deciding which cards are best between the Chase Ink vs Sapphire is difficult. They’re all very good travel credit cards in their own right. But we have to choose a winner. The champion of the Chase Ink vs Sapphire debate is the Chase Ink Business Preferred card. It has the best signup bonus, a low annual fee, good earning potential, and great point-redemption value. Not only is it the best card in the Chase Ink vs Sapphire battle, but it’s also the best credit card of ALL cards. The value of the signup bonus can be worth well over $1500 in travel if redeemed through partners.

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