With so many unbelievable journey rewards bank cards out there, together with some with giant welcome bonuses and phenomenal advantages, you might need issue selecting one which fits your wants. This will grow to be much more overwhelming in the event you qualify for a small-business bank card, which opens the door to many extra choices.
Two of probably the most priceless mid-tier playing cards from Chase are the Chase Sapphire Most popular® Card (see charges and costs) and Ink Enterprise Most popular® Credit score Card (see charges and costs). They’ve related advantages — together with incomes Chase Final Rewards factors — and similar $95 annual charges.
They make a strong staff, however chances are you’ll solely need — or be eligible for — one in every of them.
Let us take a look at how these playing cards stack up in opposition to one another that will help you resolve whether or not one or each deserve a spot in your pockets.
Sapphire Most popular vs. Ink Enterprise Most popular comparability
| Chase Sapphire Most popular | Chase Ink Enterprise Most popular | |
|---|---|---|
| Annual charge | $95 | $95 |
| Welcome bonus | Earn 75,000 bonus factors after spending $5,000 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 |
|
|
| Notable advantages |
|
|
Sapphire Most popular vs. Ink Enterprise Most popular welcome provide
New Chase Sapphire Most popular cardholders can earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Primarily based on TPG’s August 2025 valuations, this welcome provide is value $1,538. That is the usual welcome provide we usually see on this card.
In the meantime, new Chase Ink Enterprise Most popular cardholders can earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
Primarily based on TPG’s August 2025 valuations, this welcome provide is value $1,845. That is the additionally customary welcome provide we usually see on this card.
Word that each playing cards are topic to the 5/24 rule, which means you possibly can’t have opened 5 or extra playing cards throughout all banks up to now 24 months, otherwise you’ll most definitely be denied when making use of for both card. Chase additionally just lately up to date its welcome bonus eligibility guidelines for the Sapphire playing cards.
Reward your inbox with the TPG Each day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Lastly, for the Ink Enterprise Most popular, you have to have a enterprise to be eligible, however that features freelancers and restricted legal responsibility corporations.
Winner: Ink Enterprise Most popular. Its welcome provide supplies extra worth, however remember the fact that the spending requirement is sort of double that of the Sapphire Most popular.
Associated: 5 causes to get the Ink Enterprise Most popular
Sapphire Most popular vs. Ink Enterprise Most popular advantages
Each playing cards provide phenomenal journey protections which might be fairly related, although the Sapphire Most popular‘s are barely extra complete.
Each playing cards embrace journey cancellation and interruption insurance coverage. With the Ink Enterprise Most popular, you are lined for as much as $5,000 per lined particular person for nonrefundable journey bills, as much as $10,000 per journey; the Sapphire Most popular’s protection is double that.
Each playing cards additionally provide similar journey delay reimbursement, baggage delay insurance coverage and misplaced baggage reimbursement.
Each playing cards additionally provide main rental automobile protection, which is a unbelievable profit and alleviates the expense and trouble of coping with an company or your personal insurance coverage if issues go incorrect with a rental. Nonetheless, the Ink Enterprise Most popular’s advantages state that your rental have to be for enterprise functions for this safety to kick in.
Each playing cards additionally present buy safety and prolonged guarantee protection as properly. The Ink Enterprise Most popular presents cellphone safety as much as $1,000 (with a $100 deductible) in the event you pay your month-to-month invoice with the cardboard.
Past journey protections, the Chase Sapphire Most popular presents an announcement credit score every account anniversary of as much as $50 assertion credit score on motels booked by way of Chase Journey. As well as, cardholders additionally obtain 10% anniversary bonus factors annually. The bonus is predicated in your complete spend through the account anniversary 12 months at a charge of 1 level for each $10 spent.
Lastly, the Sapphire Most popular additionally supplies not less than one 12 months of complimentary DoorDash DashPass membership (activate by Dec. 31, 2027) and as much as $10 off a month on non-restaurant DoorDash orders.
The Ink Enterprise Most popular presents complimentary worker playing cards, which is a good bonus for small companies attempting to save lots of on prices.
Winner: Sapphire Most popular. Its advantages outclass these on the Ink Enterprise Most popular.
Associated: Why the Sapphire Most popular stays the highest journey rewards card 12 months after 12 months
Incomes factors with the Sapphire Most popular vs. Ink Enterprise Most popular
These playing cards’ incomes charges are very totally different. The Chase Sapphire Most popular earns on the following charges:
- 5 factors per greenback spent on motels and automobile leases bought by way of Chase Journey (approximate 10.3% return primarily based on TPG’s August 2025 valuations)
- 5 factors per greenback on Lyft (by way of September 2027; 10.3%)
- 5 factors per greenback on Peloton tools and accent purchases of $150 or extra (by way of Dec. 31, 2027, with a restrict of 25,000 bonus factors; 10.3% return)
- 3 factors per greenback on eating, on-line grocery shops (excluding Walmart, Goal and wholesale golf equipment) and streaming companies (6.2%)
- 2 factors per greenback on a broad vary of journey purchases, together with airline tickets, taxis, tolls and parking (4.1%)
- 1 level per greenback on every little thing else (2.1%)
The Ink Enterprise Most popular has a lot less complicated incomes charges:
- 5 factors per greenback on Lyft (by way of September 2027) (10.3% return)
- 3 factors per greenback on the primary $150,000 spent every account anniversary 12 months on a mix of journey (the identical broad class as with the Sapphire Most popular), delivery purchases, web, cable and telephone companies and promoting purchases made with social media websites and engines like google (6.2% return)
- 1 level per greenback on every little thing else (2.1% return)
There are a few issues to remember right here. First, if eating is one in every of your main bills, the Chase Sapphire Most popular is the way in which to go. Nonetheless, if journey is your essential outlay, the Ink Enterprise Most popular earns extra factors per greenback than the Sapphire Most popular on most journey purchases.
If your online business spends greater than $150,000 annually, the Ink Enterprise Most popular might not be the perfect match. In the event you nonetheless need to earn rewards with Chase, apply for the Sapphire Most popular or one other Chase enterprise card as a substitute.
Moreover, if your online business spends greater than $150,000 on promoting, chances are you’ll need to think about the Chase Sapphire Reserve for Enterprise℠ (see charges and costs) because it earns an uncapped 3 factors per greenback spent on social media and search engine promoting. Regardless of the steep $795 annual charge, in case your advert spending is that prime, you’ll simply recoup the annual charge value with the rewards earned.
Winner: Tie. The classes differ considerably, so your desire will rely in your spending habits.
Redeeming factors with the Sapphire Most popular vs. Ink Enterprise Most popular
Each playing cards earn Final Rewards factors, a number of the most useful round.
You may get the best worth out of your factors by transferring them to one in every of Chase’s 14 airline and resort loyalty companions.
Cardholders of both product also can redeem factors straight for journey by way of Chase Journey to stand up to 1.75 cents per level in worth, with Factors Enhance relying on the particular redemption.
Moreover, factors could be redeemed to cowl eligible purchases in choose classes by way of Chase’s Pay Your self Again function.
Factors can be used for money again or present playing cards at a charge of 1 cent per level.
Winner: Tie. You may get the identical redemption choices on both card.
Associated: 6 of the perfect Final Rewards candy spots
Transferring factors with the Sapphire Most popular vs. Ink Enterprise Most popular
Final Rewards factors could be transferred to 11 airline companions, together with British Airways, Southwest and United, and three resort packages: IHG One Rewards, Marriott Bonvoy and World of Hyatt.
These switch companions can present nice worth. For instance, TPG bank cards author, Chris Nelson, just lately transferred simply 8,000 factors to United Airways, the place he was capable of snag a last-minute award ticket from Belgrade Nikola Tesla Airport (BEG) to Warsaw Chopin Airport (WAW) on Star Alliance accomplice LOT Polish Airways.
Winner: Tie. You may get the identical redemption choices on both card.
Associated: How I used a switch bonus to get a lie-flat seat to London for simply 21,000 factors
Ought to I get the Sapphire Most popular or Ink Enterprise Most popular?
It is best to think about whether or not you need to carry a private bank card or a enterprise one. In the event you desire a private bank card and may profit from the Chase Sapphire Most popular‘s superior journey protections and bonus classes, it could be the higher possibility for you. Nonetheless, the Sapphire Most popular and Ink Enterprise Most popular collectively is a strong match-up that would enhance your journey rewards earnings into the stratosphere.
Backside line
In the event you’re attempting to resolve between the Chase Sapphire Most popular and Ink Enterprise Most popular, think about whether or not you need a enterprise or private card, which one presents the perfect class bonuses and which one presents higher journey safety.
They’re two of the perfect journey rewards bank cards out there right this moment, and carrying each is an effective technique to enhance your factors earnings on an ongoing foundation.
To be taught extra, learn our full critiques of the Chase Sapphire Most popular and Ink Enterprise Most popular.
Apply right here: Chase Sapphire Most popular
Apply right here: Ink Enterprise Most popular
