Chase Final Rewards factors are among the many most respected in the marketplace, due to their versatile redemption choices. Chase has a handful of playing cards that earn Final Rewards factors, together with the Chase Sapphire Reserve® (see charges and charges) and the Ink Enterprise Most well-liked® Credit score Card (see charges and charges).
The Sapphire Reserve is Chase’s prime private card providing premium perks like lounge entry and a number of assertion credit. In the meantime, the Ink Enterprise Most well-liked is a well-liked small-business bank card.
Just a few months in the past, the Sapphire Reserve underwent a refresh that utterly overhauled the cardboard, from modified charges and profit modifications to a better annual payment.
Let’s evaluate the Chase Sapphire Reserve and the Ink Enterprise Most well-liked to see which card is the very best match for you.
Chase Sapphire Reserve vs. Ink Enterprise Most well-liked comparability
| Card | Chase Sapphire Reserve | Ink Enterprise Most well-liked |
|---|---|---|
| Welcome bonus | Earn 125,000 bonus factors after spending $6,000 on purchases within the first three months from account opening. | Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. |
| Incomes charges |
Word that you simply will not earn any factors on the primary $300 spent on journey, as that may set off the cardboard’s $300 journey credit score. |
|
| Annual payment | $795 | $95 |
| Factors redemption worth | As much as 2 cents per level, relying on the particular redemption | As much as 1.75 cents per level, relying on the particular redemption |
| Different advantages |
|
|
| Charge for extra playing cards | $195 every | $0 |
Each playing cards have a lot to supply, and which is best for you depends upon what you are promoting spending habits. Earlier than deciding, think about the components under.
Chase Sapphire Reserve vs. Ink Enterprise Most well-liked welcome bonus
The Chase Sapphire Reserve is presently providing new candidates 125,000 bonus factors after they spend $6,000 within the first three months from account opening.
TPG’s August 2025 valuations peg Final Rewards factors at 2.05 cents every, making this provide price a whopping $2,563.
In the meantime, the Ink Enterprise Most well-liked is presently providing new candidates 90,000 bonus factors after they spend $8,000 on purchases within the first three months from account opening.
In keeping with our valuations, this bonus is price $1,845. That is the usual welcome bonus we sometimes see on this card.
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This spending requirement is one-third greater than that of the Sapphire Reserve, and it affords fewer factors.
As at all times, be conscious of every card’s eligibility restrictions earlier than making use of. Each are Chase playing cards, so that they’re topic to the 5/24 rule.
Moreover, you will not be eligible for the Sapphire Reserve’s bonus when you’ve obtained it earlier than or when you presently have the Chase Sapphire Most well-liked® Card (see charges and charges).
Nonetheless, you possibly can nonetheless earn the Sapphire Reserve welcome bonus when you earned the Sapphire Most well-liked bonus up to now; you simply cannot have the Sapphire Most well-liked open.
With the Ink Enterprise Most well-liked, you will not be eligible for a welcome bonus when you have beforehand earned one up to now 24 months.
Winner: Chase Sapphire Reserve. Its bonus is 35,000 factors greater and requires $2,000 much less in spending.
Associated: Am I eligible for the Chase Sapphire Reserve’s 125,000-point bonus?
Chase Sapphire Reserve vs. Ink Enterprise Most well-liked advantages
The Chase Sapphire Reserve has a hefty $795 annual payment however comes with a stellar set of premium advantages:
- Precedence Go Choose membership and entry to Sapphire and choose Air Canada Maple Leaf lounges
- $500 annual assertion credit score for The Edit (as much as $250 biannually; minimal two-night keep required)
- As much as a $300 annual journey credit score: This credit score is extremely versatile and triggers on any buy Chase defines as journey
- $300 annual assertion credit score for StubHub or Viagogo (as much as $150 biannually; by way of Dec. 31, 2027)
- $300 annual eating credit score at Sapphire Reserve Unique Tables (as much as $150 biannually)
- $120 in annual assertion credit towards Peloton memberships; activation required (by way of Dec. 31, 2027)
- As much as $120 in reimbursement to your software payment for World Entry, TSA PreCheck or Nexus, as soon as each 4 years
- Complimentary subscriptions to Apple TV+ and Apple Music (by way of June 22, 2027)
- Complimentary minimal one-year DashPass membership (by way of Dec. 31, 2027) and $25 in month-to-month promos
- $10 month-to-month Lyft in-app credit score; doesn’t apply to Wait & Save, bike or scooter rides (by way of Sept. 30, 2027)
- Complimentary IHG One Rewards Platinum Elite standing
- Intensive journey protections, together with rental automobile, misplaced/delayed baggage, emergency evacuation and journey delay/cancellation insurance coverage
- Prolonged guarantee, buy and return safety
For extra particulars, see our full information on the Sapphire Reserve’s assertion credit.
The standout advantages of the Chase Sapphire Reserve are airport lounge entry, a number of assertion credit, automated elite standing and spectacular journey protections. When you journey incessantly, these perks will possible make the Sapphire Reserve a greater choice.
The worth of all of the assertion credit on the Sapphire Reserve totals over $2,000 yearly if totally used. These credit are lifestyle-centered, and most of the people shouldn’t have any drawback utilizing them. Even when you use simply half of the credit, that may greater than offset the annual payment.
I take into consideration making use of for this card day-after-day, however I am debating whether or not I need to pay the $795 annual payment upfront. I do know I might simply recoup the price by way of the journey and leisure credit, particularly since I already pay for Apple Music and Apple TV+, but it surely’s nonetheless a big tablet to swallow abruptly.
The Ink Enterprise Most well-liked has a a lot decrease $95 annual payment however comes with a extra restricted set of advantages:
- Worker playing cards at no extra price
- Cellphone safety
- Journey protections, together with misplaced/delayed baggage safety and journey cancellation/interruption insurance coverage
- Prolonged guarantee and buy safety
Whereas the Ink Enterprise Most well-liked’s listing of advantages is shorter than that of the Sapphire Reserve, you may nonetheless get priceless protections that embody cellphone safety (not supplied on the Sapphire Reserve) for you and each licensed person on the account. Approved customers will be added for no extra price.
Each playing cards do share advantages like major rental automobile insurance coverage and comparable journey and buy protections. When you do not want the Sapphire Reserve’s premium perks or journey sufficient, you could discover the Ink Enterprise Most well-liked’s stable journey protections and a modest annual payment to be your greatest guess.
Winner: Sapphire Reserve. The journey advantages and assertion credit far surpass the advantages on the Ink Enterprise Most well-liked.
Associated: I am maintaining my Chase Sapphire Reserve regardless of its $795 annual payment. Here is why
Incomes factors with the Chase Sapphire Reserve vs. Ink Enterprise Most well-liked
With the Chase Sapphire Reserve, you may earn:
- 10 factors per greenback spent on Peloton tools and accent purchases of $150 or extra by way of Dec. 31, 2027 (a 20.5% return primarily based on TPG’s valuations)
- 8 factors per greenback spent on all Chase Journey purchases (16.4%)
- 5 factors per greenback spent on Lyft rides (by way of Sept. 30, 2027) (10.3%)
- 4 factors per greenback spent on flights and accommodations booked instantly (8.2%)
- 3 factors per greenback spent on eating (6.2%)
- 1 level per greenback spent on all different purchases (2.1%)
Then again, the Ink Enterprise Most well-liked earns:
- 5 factors per greenback spent on Lyft rides by way of Sept. 30, 2027 (10.3%)
- 3 factors per greenback spent on the primary $150,000 of mixed purchases every cardmember yr, then 1 level per greenback spent thereafter within the following classes: delivery purchases, web companies, cable companies, telephone companies, journey, and promoting with social media and engines like google
- 1 level per greenback spent on all different purchases
The Sapphire Reserve is best suited for individuals who e-book accommodations and flights instantly and have excessive eating budgets, as you may earn 4 and three factors per greenback spent, respectively.
Nonetheless, when you spend extra on journey exterior of accommodations and flights booked instantly, the Ink Enterprise Most well-liked is the higher choice as you may earn 3 factors per greenback spent. The one caveat is that with the Ink Enterprise Most well-liked, you are restricted to $150,000 in mixed spending to earn 3 factors per greenback spent.
To totally maximize your earnings, you possibly can maintain each playing cards and even add a 3rd Chase card to create a trifecta.
Winner: Sapphire Reserve. The Sapphire Reserve simply narrowly edges out the Ink Enterprise Most well-liked, because it affords extra bonus classes, is best suited to eating and particular journey purchases, and has no spending caps.
Associated: What purchases qualify for 3 factors per greenback with the Ink Enterprise Most well-liked?
Redeeming factors with the Chase Sapphire Reserve vs. Ink Enterprise Most well-liked
Each the Chase Sapphire Reserve and the Ink Enterprise Most well-liked earn transferable Chase Final Rewards factors.
Your most respected redemption choice is to switch your factors from both card to certainly one of Chase’s 14 resort and airline companions.
You even have the choice to redeem your factors by reserving journey by way of Chase Journey. Relying on the particular redemption, you may get a worth of as much as 1.75 cents per level with the Ink Enterprise Most well-liked or as much as 2 cents per level with the Sapphire Reserve by way of Chase’s Factors Enhance function.
It’s also possible to use Chase’s Pay Your self Again choice and redeem your factors for an announcement credit score for choose purchases.
Moreover, you possibly can redeem your factors with both card for present playing cards or an announcement credit score at a fee of 1 cent per level. That is your least priceless redemption choice, however good to have when you want flexibility.
Winner: Chase Sapphire Reserve. Its greater redemption worth by way of Factors Enhance by way of Chase Journey provides it the slight edge.
Associated: Why I select to earn Chase Final Rewards factors over Amex Membership Rewards factors
Transferring factors with the Chase Sapphire Reserve vs. Ink Enterprise Most well-liked
Each the Chase Sapphire Reserve and the Ink Enterprise Most well-liked assist you to switch your factors to any of Chase’s 14 airline and resort companions.
Companions like Virgin Atlantic Flying Membership, Iberia Membership, United MileagePlus and World of Hyatt can provide outsize worth.
I really like transferring my Chase factors to Hyatt and utilizing them to e-book accommodations when the money worth is excessive. I simply transferred 6,500 factors to Hyatt for an evening on the Hyatt Place Amsterdam Airport, which might have price me over $200.
Moreover, for flights, I usually switch my factors to Southwest Speedy Rewards and e-book low cost flights throughout its seasonal gross sales on nonstop routes that always require a layover on every other airline.
Whether or not you primarily journey domestically or overseas, you may discover priceless redemption alternatives with Chase’s switch companions.
Winner: Tie. Each playing cards assist you to switch your factors to Chase’s journey companions.
Associated: Chase Final Rewards to lose Emirates Skywards as a switch associate Oct. 16
Ought to I get the Chase Sapphire Reserve or Ink Enterprise Most well-liked?
When you journey usually or choose premium perks, you must go for the Chase Sapphire Reserve for its airport lounge entry, journey advantages, assertion credit, and its bonus-earning classes. When you do not journey a lot, nonetheless, and spend extra of your cash on enterprise bills, you must go for the Ink Enterprise Most well-liked.
Associated: Chase Sapphire Most well-liked vs. Ink Enterprise Most well-liked
Backside line
The Chase Sapphire Reserve and Ink Enterprise Most well-liked are each wonderful playing cards. Which one is greatest for you depends upon whether or not you are searching for a premium journey card to raise your journey experiences or a flexible enterprise bank card that may reward you in classes the place many companies spend cash often.
Both manner, you possibly can’t go unsuitable incomes super-valuable Chase Final Rewards factors in your spending.
To study extra, please see our full opinions of the Chase Sapphire Reserve and Ink Enterprise Most well-liked.
Apply right here: Chase Sapphire Reserve
Apply right here: Ink Enterprise Most well-liked Credit score Card
