When you’re contemplating your subsequent card utility, two choices from Chase could 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 encompasses a flashy identify and high-end perks, the sensible perks of the Ink Enterprise Most popular might make extra sense for a lot of wallets.
Listed here are six causes it’s possible you’ll need to accumulate helpful 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
Top-of-the-line 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 change into tougher.
That is as a result of when you’ve already earned a welcome bonus on the Sapphire Reserve, or when you at present maintain the Chase Sapphire Most popular® Card (see charges and charges), you’ll probably 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 price 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, when you 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 price $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 charge, particularly when in comparison with the Sapphire Reserve’s $795 annual charge.
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You worth simplicity and do not need to pay a excessive annual charge
Talking of annual charges, it’s possible you’ll want the Ink Enterprise Most popular just because its $95 annual charge is considerably lower than the $795 charge that comes with the Sapphire Reserve.
The Ink Enterprise Most popular is a strong enterprise card that earns Chase Final Rewards factors. It is a greater choice for easy spenders who aren’t desirous about retaining monitor of a number of assertion credit, for the reason that Sapphire Reserve gives a protracted checklist of such advantages meant to offset its excessive charge.
If a sky-high annual charge is not your choice, you are higher off with the Ink Enterprise Most popular.
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You incessantly spend on common journey and choose enterprise classes
The Ink Enterprise Most popular‘s bonus classes are strong for a $95-annual-fee card. It is a nice choice if you wish to rack up helpful Chase factors.
With the Ink Enterprise Most popular, you will 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 cellphone providers
- Delivery
- Journey
The Sapphire Reserve additionally gives travel-related bonus classes. With this card, you will earn:
- 8 factors per greenback spent on purchases made by way of Chase Journey
- 4 factors per greenback spent on flights and inns booked immediately
The important thing facet the place the Ink Enterprise Most popular pulls forward is the inclusion of a common 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 inns and flights booked immediately, however some other common 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 comparable to buses, campgrounds, automobile rental businesses, cruise strains, ferries, parking heaps and garages, taxis, and extra.
So, if you end up incessantly reserving journey past inns and flights and out of doors of Chase Journey, you will get a greater return in your spending with the Ink Enterprise Most popular.
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You do not redeem factors by way of Chase Journey typically
The factors you will earn from the Ink Enterprise Most popular and Sapphire Reserve are transferable to the identical 14 loyalty program companions and will be maximized in that method.
The Ink Enterprise Most popular and Sapphire Reserve each have entry to Chase’s Factors Increase 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.
When you go for the Ink Enterprise Most popular, 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 way of Factors Increase is larger with the Sapphire Reserve.
However, when you’d reasonably leverage switch companions in 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), you then’re on even footing with the Ink Enterprise Most popular and Sapphire Reserve.
As an 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. For the reason that money value for this flight is $3,258, you are getting an unimaginable 8 cents per level in worth.
And, with the Ink Enterprise Most popular, you will 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 gives a number of perks, it falls brief on a key profit the Ink Enterprise Most popular consists of: 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, supplied 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 crucial profit for you, the Ink Enterprise Most popular is the plain selection.
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You have already got a luxurious journey card
When you’ve got The Platinum Card® from American Specific 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 popular means that you can earn Chase factors at a excessive return and comes with strong journey and buy protections at a extra modest annual charge.
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 popular over the Chase Sapphire Reserve. As with every Chase card, simply make certain you are beneath 5/24 and meet different utility necessities for approval.
Keep in mind, there are various methods to qualify for a enterprise card, comparable to aspect hustles and freelancing gigs. So, do not go away the Ink Enterprise Most popular on the desk merely since you aren’t a conventional small-business proprietor. The cardboard is a strong choice for many individuals.
To study extra, see our full evaluation of the Chase Ink Enterprise Most popular.
Apply right here: Ink Enterprise Most popular Credit score Card
