Source: The Points Guy
Summary
The Chase Sapphire Preferred and Ink Business Preferred cards offer similar benefits, including earning Chase Ultimate Rewards points and travel protections. However, the Sapphire Preferred has broader everyday bonus categories and stronger travel protections, while the Ink Business Preferred is better for business owners who spend heavily on travel and eligible business expenses. Both cards have a $95 annual fee and offer transferable points to airline and hotel loyalty programs.
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The escape is carefully planned. Both cards offer travel protections, including trip cancellation and interruption insurance, baggage delay insurance, and lost luggage reimbursement. The Sapphire Preferred has broader everyday bonus categories, including dining, online grocery stores, and streaming services, while the Ink Business Preferred is better for business owners who spend heavily on travel and eligible business expenses.
Cardholders can redeem points directly for travel through Chase Travel or transfer them to airline and hotel loyalty programs. The Ink Business Preferred offers cellphone protection and free employee cards, while the Sapphire Preferred offers a $100 annual hotel credit and up to $10 off monthly non-restaurant DoorDash orders.
Ultimately, the choice between the two cards depends on individual needs and spending habits. The Sapphire Preferred is better for most consumers, while the Ink Business Preferred is better for business owners who can take advantage of its unique benefits.
And if you want to maximize your rewards, you can always apply for both cards and earn 200,000 bonus points after spending $13,000 in the first three months.
