Causes to get the Ink Enterprise Most well-liked over the Sapphire Reserve

In case you’re contemplating your subsequent card software, two choices from Chase might entice you.

The Ink Enterprise Most well-liked® Credit score Card (see charges and costs) and Chase Sapphire Reserve® (see charges and costs) are each well-liked rewards playing cards that include their very own suite of perks and key variations — like the truth that the Ink Enterprise Most well-liked is a enterprise card and the Sapphire Reserve is a premium journey card.

Whereas the Sapphire Reserve includes a flashy title and high-end perks, the sensible perks of the Ink Enterprise Most well-liked may make extra sense for a lot of wallets.

Listed here are six causes it’s possible you’ll need to accumulate worthwhile Chase Final Rewards factors with the Ink Enterprise Most well-liked over the Sapphire Reserve.

You are not eligible for the Sapphire Reserve’s welcome bonus

The most effective methods to earn a haul of factors is by amassing a welcome bonus. With Chase’s modifications to Sapphire bonus eligibility in 2025, incomes a welcome provide with the Sapphire Reserve has develop into tougher.

That is as a result of should you’ve already earned a welcome bonus on the Sapphire Reserve, or should you presently maintain the Chase Sapphire Most well-liked® Card (see charges and costs), you’ll almost definitely not be eligible to obtain the Sapphire Reserve’s bonus.

That may sting as a brand new Sapphire Reserve applicant, since new cardholders can earn 100,000 bonus factors plus a $500 Chase Journey℠ promo credit score* after spending $5,000 within the first three months from account opening. That is value as much as $2,550, per TPG’s August 2025 valuations.

*Observe that the phrases for the journey credit score state: The promotional credit score is legitimate for a one-time use solely, should you apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining stability.

In the meantime, new Ink Enterprise Most well-liked cardholders can earn 90,000 bonus factors after spending $8,000 within the first three months after account opening. TPG’s valuations deem this bonus value $1,845.

Whereas the Ink Enterprise Most well-liked bonus has the next spending requirement, it has fewer restrictions than the Sapphire Reserve. Plus, the Ink Enterprise Most well-liked offers a stellar provide for a $95 annual payment, particularly when in comparison with the Sapphire Reserve’s $795 annual payment.

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You worth simplicity and do not need to pay a excessive annual payment

Talking of annual charges, it’s possible you’ll choose the Ink Enterprise Most well-liked just because its $95 annual payment is considerably lower than the $795 payment that comes with the Sapphire Reserve.

The Ink Enterprise Most well-liked is a strong enterprise card that earns Chase Final Rewards factors. It is a greater possibility for easy spenders who aren’t concerned about maintaining observe of a number of assertion credit, because the Sapphire Reserve offers a lengthy checklist of such advantages meant to offset its excessive payment.

If a sky-high annual payment is not your desire, you are higher off with the Ink Enterprise Most well-liked.

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You regularly spend on basic journey and choose enterprise classes

The Ink Enterprise Most well-liked‘s bonus classes are strong for a $95-annual-fee card. It is a nice possibility if you wish to rack up worthwhile Chase factors.

With the Ink Enterprise Most well-liked, you may earn 3 factors per greenback on the primary $150,000 spent on mixed purchases within the following classes every account anniversary yr:

• Promoting purchases made with social media websites and serps
• Web, cable and telephone providers
• Delivery
• Journey

The Sapphire Reserve additionally offers travel-related bonus classes. With this card, you may earn:

• 8 factors per greenback spent on purchases made by means of Chase Journey
• 4 factors per greenback spent on flights and resorts booked immediately

The important thing facet the place the Ink Enterprise Most well-liked pulls forward is the inclusion of a basic journey class.

Positive, the Sapphire Reserve earns 8 factors per greenback spent on journey booked inside its portal and 4 factors per greenback spent on resorts and flights booked immediately, however every other basic journey buy will herald simply 1 level per greenback.

The Ink Enterprise Most well-liked, in the meantime, earns 3 factors per greenback spent on journey purchases equivalent to buses, campgrounds, automotive rental businesses, cruise traces, ferries, parking tons and garages, taxis, and extra.

So, if you end up regularly reserving journey past resorts and flights and outdoors of Chase Journey, you may get a greater return in your spending with the Ink Enterprise Most well-liked.

Associated: The most effective bank cards for basic journey purchases

You do not redeem factors by means of Chase Journey typically

The factors you may earn from the Ink Enterprise Most well-liked and Sapphire Reserve are transferable to the identical 14 loyalty program companions and may be maximized in that manner.

The Ink Enterprise Most well-liked and Sapphire Reserve each have entry to Chase’s Factors Increase function, which permits cardholders to redeem their factors by means of Chase Journey for as much as 1.75 or 2 factors per greenback in worth, respectively, for choose flight and resort bookings made by means of the portal.

In case you go for the Ink Enterprise Most well-liked, it’s possible you’ll be leaving some worth on the desk. That is as a result of the utmost worth of your factors by means of Factors Increase is increased with the Sapphire Reserve.

However, should you’d slightly leverage switch companions in your redemptions (which is an effective way to fulfill and even exceed TPG’s full August 2025 valuation of Chase factors at 2.05 cents apiece), then you definitely’re on even footing with the Ink Enterprise Most well-liked and Sapphire Reserve.

For example, you can switch 40,500 Final Rewards factors to Iberia Membership to e book a one-way business-class flight to or from Madrid on Iberia. Because the money worth for this flight is $3,258, you are getting an unbelievable 8 cents per level in worth.

And, with the Ink Enterprise Most well-liked, you may pay $700 much less in annual charges to have the very same switch choices together with your factors.

Associated: Why transferable factors and miles are value greater than different rewards

You need cellphone safety

Whereas the Sapphire Reserve offers a number of perks, it falls brief on a key profit the Ink Enterprise Most well-liked contains: cellphone safety.

Ink Enterprise Most well-liked cardholders (and staff in the event that they select) obtain as much as $1,000 in protection for theft or damages per declare, offered the quantity is listed on their month-to-month invoice they usually pay their invoice with their card. There is a restrict of three claims per 12-month interval, with a $100 deductible per declare.

If telephone safety is a vital profit for you, the Ink Enterprise Most well-liked is the plain alternative.

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You have already got a luxurious journey card

When you’ve got The Platinum Card® from American Categorical and discover that its luxurious perks — like lounge entry, elite standing and assertion credit (enrollment required; phrases apply) — are sufficient for you, it’s possible you’ll not want so as to add one other high-annual-fee card just like the Sapphire Reserve to your price range.

The Ink Enterprise Most well-liked lets you earn Chase factors at a excessive return and comes with strong journey and buy protections at a extra modest annual payment.

In case your card setup is not lacking a premium card, it’s possible you’ll not want the Sapphire Reserve anyway.

Associated: Why the Amex Platinum nonetheless reigns supreme within the luxurious journey house

Backside line

Your distinctive scenario performs a key position in whether or not you would be higher off with the Ink Enterprise Most well-liked over the Chase Sapphire Reserve. As with every Chase card, simply ensure you are beneath 5/24 and meet different software necessities for approval.

Keep in mind, there are various methods to qualify for a enterprise card, equivalent to aspect hustles and freelancing gigs. So, do not go away the Ink Enterprise Most well-liked on the desk merely since you aren’t a conventional small-business proprietor. The cardboard is a strong possibility for many individuals.

To be taught extra, see our full assessment of the Chase Ink Enterprise Most well-liked.

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