If you happen to’re contemplating your subsequent card utility, two choices from Chase might entice you.
The Ink Enterprise Most popular® Credit score Card (see charges and charges) and Chase Sapphire Reserve® (see charges and charges) are each standard rewards playing cards that include their very own suite of perks and key variations — like the truth that the Ink Enterprise Most popular is a enterprise card and the Sapphire Reserve is a premium journey card.
Whereas the Sapphire Reserve incorporates a flashy identify and high-end perks, the sensible perks of the Ink Enterprise Most popular may make extra sense for a lot of wallets.
Listed here are six causes you could wish to gather useful Chase Final Rewards factors with the Ink Enterprise Most popular over the Sapphire Reserve.
You are not eligible for the Sapphire Reserve’s welcome bonus
Probably the greatest methods to earn a haul of factors is by gathering a welcome bonus. With Chase’s adjustments to Sapphire bonus eligibility in 2025, incomes a welcome supply with the Sapphire Reserve has grow to be tougher.
That is as a result of if you happen to’ve already earned a welcome bonus on the Sapphire Reserve, or if you happen to presently maintain the Chase Sapphire Most popular® Card (see charges and charges), you’ll almost certainly not be eligible to obtain the Sapphire Reserve’s bonus.
That will 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.
*Word that the phrases for the journey credit score state: The promotional credit score is legitimate for a one-time use solely, if you happen to apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining steadiness.
In the meantime, new Ink Enterprise Most popular 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.
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Whereas the Ink Enterprise Most popular bonus has the next spending requirement, it has fewer restrictions than the Sapphire Reserve. Plus, the Ink Enterprise Most popular gives a stellar supply 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 wish to pay a excessive annual payment
Talking of annual charges, you could favor the Ink Enterprise Most popular just because its $95 annual payment is considerably lower than the $795 payment that comes with the Sapphire Reserve.
The Ink Enterprise Most popular is a stable enterprise card that earns Chase Final Rewards factors. It is a greater choice for easy spenders who aren’t inquisitive about preserving observe of a number of assertion credit, for the reason that Sapphire Reserve gives an extended checklist of such advantages meant to offset its excessive payment.
If a sky-high annual payment is not your choice, you are higher off with the Ink Enterprise Most popular.
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You regularly spend on basic journey and choose enterprise classes
The Ink Enterprise Most popular‘s bonus classes are stable for a $95-annual-fee card. It is a nice choice if you wish to rack up useful Chase factors.
With the Ink Enterprise Most popular, you may earn 3 factors per greenback on the primary $150,000 spent on mixed purchases within the following classes every account anniversary 12 months:
- Promoting purchases made with social media websites and serps
- Web, cable and telephone companies
- Transport
- Journey
The Sapphire Reserve additionally gives travel-related bonus classes. With this card, you may earn:
- 8 factors per greenback spent on purchases made by way of Chase Journey
- 4 factors per greenback spent on flights and accommodations booked straight
The important thing facet the place the Ink Enterprise Most popular pulls forward is the inclusion of a basic journey class.
Certain, the Sapphire Reserve earns 8 factors per greenback spent on journey booked inside its portal and 4 factors per greenback spent on accommodations and flights booked straight, however another basic journey buy will usher in simply 1 level per greenback.
The Ink Enterprise Most popular, in the meantime, earns 3 factors per greenback spent on journey purchases reminiscent of buses, campgrounds, automotive rental companies, cruise traces, ferries, parking tons and garages, taxis, and extra.
So, if you end up regularly reserving journey past accommodations and flights and out of doors of Chase Journey, you may get a greater return in your spending with the Ink Enterprise Most popular.
Associated: One of the best bank cards for basic journey purchases
You do not redeem factors by way of Chase Journey usually
The factors you may earn from the Ink Enterprise Most popular and Sapphire Reserve are transferable to the identical 14 loyalty program companions and might be maximized in that means.
The Ink Enterprise Most popular and Sapphire Reserve each have entry to Chase’s Factors Enhance function, which permits cardholders to redeem their factors by way 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 way of the portal.
If you happen to go for the Ink Enterprise Most popular, you could be leaving some worth on the desk. That is as a result of the utmost worth of your factors by way of Factors Enhance is greater with the Sapphire Reserve.
However, if you happen to’d reasonably leverage switch companions on your redemptions (which is a good 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 popular and Sapphire Reserve.
As an example, you possibly 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. For the reason that 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 popular, 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 gives a number of perks, it falls quick on a key profit the Ink Enterprise Most popular contains: cellphone safety.
Ink Enterprise Most popular 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 and so they 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 popular is the plain alternative.
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You have already got a luxurious journey card
If in case you have 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, you could 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 popular permits you to earn Chase factors at a excessive return and comes with stable journey and buy protections at a extra modest annual payment.
In case your card setup is not lacking a premium card, you could not want the Sapphire Reserve anyway.
Associated: Why the Amex Platinum nonetheless reigns supreme within the luxurious journey house
Backside line
Your distinctive state of affairs performs a key function in whether or not you would be higher off with the Ink Enterprise Most popular over the Chase Sapphire Reserve. As with all Chase card, simply make sure you are beneath 5/24 and meet different utility necessities for approval.
Keep in mind, there are lots of methods to qualify for a enterprise card, reminiscent of facet hustles and freelancing gigs. So, do not depart the Ink Enterprise Most popular on the desk merely since you aren’t a standard small-business proprietor. The cardboard is a stable choice for many individuals.
To study extra, see our full evaluate of the Chase Ink Enterprise Most popular.
Apply right here: Ink Enterprise Most popular Credit score Card
