Should you’re contemplating your subsequent card software, two choices from Chase could 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 common 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 incorporates a flashy identify and high-end perks, the sensible perks of the Ink Enterprise Most well-liked might make extra sense for a lot of wallets.
Listed below are six causes you might need to gather 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
Probably the greatest 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 grow to be more difficult.
That is as a result of for those who’ve already earned a welcome bonus on the Sapphire Reserve, or for those who at the moment maintain the Chase Sapphire Most well-liked® Card (see charges and costs), you’ll most probably not be eligible to obtain the Sapphire Reserve’s bonus.
That might 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, for those who 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.
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Whereas the Ink Enterprise Most well-liked bonus has a better 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 price, particularly when in comparison with the Sapphire Reserve’s $795 annual price.
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You worth simplicity and do not need to pay a excessive annual price
Talking of annual charges, you might favor the Ink Enterprise Most well-liked just because its $95 annual price is considerably lower than the $795 price 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 fascinated about maintaining observe of a number of assertion credit, because the Sapphire Reserve offers a protracted checklist of such advantages meant to offset its excessive price.
If a sky-high annual price is not your desire, you are higher off with the Ink Enterprise Most well-liked.
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You continuously 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. This can be 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 search engines like google and yahoo
- Web, cable and cellphone 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 via Chase Journey
- 4 factors per greenback spent on flights and motels booked straight
The important thing side the place the Ink Enterprise Most well-liked 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 motels and flights booked straight, 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 akin to buses, campgrounds, automotive rental companies, cruise strains, ferries, parking tons and garages, taxis, and extra.
So, if you end up continuously reserving journey past motels and flights and out of doors of Chase Journey, you may get a greater return in your spending with the Ink Enterprise Most well-liked.
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You do not redeem factors via 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 could be maximized in that method.
The Ink Enterprise Most well-liked and Sapphire Reserve each have entry to Chase’s Factors Increase characteristic, which permits cardholders to redeem their factors via Chase Journey for as much as 1.75 or 2 factors per greenback in worth, respectively, for choose flight and resort bookings made via the portal.
Should you go for the Ink Enterprise Most well-liked, you might be leaving some worth on the desk. That is as a result of the utmost worth of your factors via Factors Increase is larger with the Sapphire Reserve.
However, for those who’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.
As an illustration, you could possibly switch 40,500 Final Rewards factors to Iberia Membership to guide 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 unimaginable 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.
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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 consists of: cellphone safety.
Ink Enterprise Most well-liked cardholders (and workers 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 cellphone safety is a vital profit for you, the Ink Enterprise Most well-liked is the plain selection.
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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 might not want so as to add one other high-annual-fee card just like the Sapphire Reserve to your funds.
The Ink Enterprise Most well-liked permits you to earn Chase factors at a excessive return and comes with strong journey and buy protections at a extra modest annual price.
In case your card setup is not lacking a premium card, you might 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 function 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 make certain you are beneath 5/24 and meet different software necessities for approval.
Keep in mind, there are a lot of methods to qualify for a enterprise card, akin to facet 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.
Apply right here: Ink Enterprise Most well-liked Credit score Card
