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chase ink vs sapphire

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

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.

 

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

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 60,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 2X points on travel and dining.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfer partner hotels and airlines.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is the best first travel credit card to get. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal.

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 50,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and dining.
BENEFITS
$300 annual travel credit.
Priority Pass Select airport lounge access.
TSA PreCheck or Global Entry.
Points are worth 50% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfers to partner hotels and airlines.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is one of the best premium travel credit cards if you want some luxury. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal. The biggest key to this card is the airport lounge access. If you travel a lot, it's extremely valuable.

 

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 very similar. 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. 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

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 80,000 points after spending $5000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.

 

Ink Business Cash

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $150 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 5X points on internet, cable, phone, and office supply stores.
*Limited to first $25k per year.
Earn 2X at gas stations and restaurants.
*Limited to first $25k per year.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with some great 5X reward categories for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

 

Ink Business Unlimited

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $500 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 1.5X on all purchases. No limit.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with 1.5X rewards on every purchase for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

 

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. 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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