If you happen to’re contemplating your subsequent card software, two choices from Chase might entice you.
The Ink Enterprise Most well-liked® Credit score Card (see charges and charges) and Chase Sapphire Reserve® (see charges and charges) are each in style 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 encompasses a flashy title 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 chances are you’ll wish to accumulate helpful 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
Among the best methods to earn a haul of factors is by accumulating a welcome bonus. With Chase’s adjustments 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 when you’ve already earned a welcome bonus on the Sapphire Reserve, or when you at present maintain the Chase Sapphire Most well-liked® Card (see charges and charges), you’ll most definitely 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 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 price $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 wish to pay a excessive annual price
Talking of annual charges, chances are you’ll desire 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 stable 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 offers an extended 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 incessantly spend on normal journey and choose enterprise classes
The Ink Enterprise Most well-liked‘s bonus classes are stable 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 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 serps
- 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 by Chase Journey
- 4 factors per greenback spent on flights and inns booked straight
The important thing facet the place the Ink Enterprise Most well-liked pulls forward is the inclusion of a normal 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 straight, however another normal 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 equivalent to buses, campgrounds, automotive rental businesses, cruise traces, ferries, parking tons 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 may get a greater return in your spending with the Ink Enterprise Most well-liked.
Associated: The most effective bank cards for normal journey purchases
You do not redeem factors by 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 might be maximized in that approach.
The Ink Enterprise Most well-liked and Sapphire Reserve each have entry to Chase’s Factors Enhance characteristic, which permits cardholders to redeem their factors by Chase Journey for as much as 1.75 or 2 factors per greenback in worth, respectively, for choose flight and resort bookings made by the portal.
If you happen to go for the Ink Enterprise Most well-liked, chances are you’ll be leaving some worth on the desk. That is as a result of the utmost worth of your factors by Factors Enhance is increased with the Sapphire Reserve.
However, when you’d reasonably leverage switch companions to your redemptions (which is an effective way to satisfy and even exceed TPG’s full August 2025 valuation of Chase factors at 2.05 cents apiece), then you definately’re on even footing with the Ink Enterprise Most well-liked and Sapphire Reserve.
As an illustration, 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 well-liked, you may pay $700 much less in annual charges to have the very same switch choices along with your factors.
Associated: Why transferable factors and miles are price greater than different rewards
You need cellphone safety
Whereas the Sapphire Reserve offers a number of perks, it falls quick 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, 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 vital profit for you, the Ink Enterprise Most well-liked is the apparent alternative.
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You have already got a luxurious journey card
You probably have 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, chances are you’ll not want so as to add one other high-annual-fee card just like the Sapphire Reserve to your finances.
The Ink Enterprise Most well-liked lets you earn Chase factors at a excessive return and comes with stable journey and buy protections at a extra modest annual price.
In case your card setup is not lacking a premium card, chances are you’ll not want the Sapphire Reserve anyway.
Associated: Why the Amex Platinum nonetheless reigns supreme within the luxurious journey area
Backside line
Your distinctive scenario performs a key position in whether or not you would be higher off with the Ink Enterprise Most well-liked over the Chase Sapphire Reserve. As with all Chase card, simply be certain you are beneath 5/24 and meet different software necessities for approval.
Bear in mind, there are a lot of methods to qualify for a enterprise card, equivalent 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 stable choice 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
