With so many improbable journey rewards bank cards out there, together with some with massive welcome bonuses and phenomenal advantages, you might need issue selecting one which fits your wants. This may turn out to be much more overwhelming if you happen to qualify for a small-business bank card, which opens the door to many extra choices.
Two of essentially the most priceless mid-tier playing cards from Chase are the Chase Sapphire Most popular® Card (see charges and costs) and Ink Enterprise Most popular® Credit score Card (see charges and costs). They’ve comparable advantages — together with incomes Chase Final Rewards factors — and an identical $95 annual charges.
They make a strong workforce, however chances are you’ll solely need — or be eligible for — one in every of them.
Let’s take a look at how these playing cards stack up in opposition to one another that can assist you determine whether or not one or each deserve a spot in your pockets.
Sapphire Most popular vs. Ink Enterprise Most popular comparability
| Chase Sapphire Most popular | Chase Ink Enterprise Most popular | |
|---|---|---|
| Annual payment | $95 | $95 |
| Welcome bonus | Earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. | Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. |
| Incomes |
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| Notable advantages |
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Sapphire Most popular vs. Ink Enterprise Most popular welcome supply
New Chase Sapphire Most popular cardholders can earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Based mostly on TPG’s August 2025 valuations, this welcome supply is price $1,538. That is the usual welcome supply we sometimes see on this card.
In the meantime, new Chase Ink Enterprise Most popular cardholders can earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
Based mostly on TPG’s August 2025 valuations, this welcome supply is price $1,845. That is the additionally commonplace welcome supply we sometimes see on this card.
Observe that each playing cards are topic to the 5/24 rule, that means you possibly can’t have opened 5 or extra playing cards throughout all banks previously 24 months, otherwise you’ll most definitely be denied when making use of for both card. Chase additionally lately up to date its welcome bonus eligibility guidelines for the Sapphire playing cards.
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Lastly, for the Ink Enterprise Most popular, it’s essential to have a enterprise to be eligible, however that features freelancers and restricted legal responsibility corporations.
Winner: Ink Enterprise Most popular. Its welcome supply gives extra worth, however take into account that the spending requirement is nearly double that of the Sapphire Most popular.
Associated: 5 causes to get the Ink Enterprise Most popular
Sapphire Most popular vs. Ink Enterprise Most popular advantages
Each playing cards supply phenomenal journey protections which might be fairly comparable, although the Sapphire Most popular‘s are barely extra complete.
Each playing cards embody journey cancellation and interruption insurance coverage. With the Ink Enterprise Most popular, you are coated for as much as $5,000 per coated individual for nonrefundable journey bills, as much as $10,000 per journey; the Sapphire Most popular’s protection is double that.
Each playing cards additionally supply an identical journey delay reimbursement, baggage delay insurance coverage and misplaced baggage reimbursement.
Each playing cards additionally supply major rental automotive protection, which is a improbable profit and alleviates the expense and problem of coping with an company or your personal insurance coverage if issues go unsuitable with a rental. Nonetheless, the Ink Enterprise Most popular’s advantages state that your rental should be for enterprise functions for this safety to kick in.
Each playing cards additionally present buy safety and prolonged guarantee protection as nicely. The Ink Enterprise Most popular provides cellphone safety as much as $1,000 (with a $100 deductible) if you happen to pay your month-to-month invoice with the cardboard.
Past journey protections, the Chase Sapphire Most popular provides an announcement credit score every account anniversary of as much as $50 assertion credit score on resorts booked by Chase Journey. As well as, cardholders additionally obtain 10% anniversary bonus factors every year. The bonus is predicated in your whole spend throughout the account anniversary yr at a charge of 1 level for each $10 spent.
Lastly, the Sapphire Most popular additionally gives not less than one yr of complimentary DoorDash DashPass membership (activate by Dec. 31, 2027) and as much as $10 off a month on non-restaurant DoorDash orders.
The Ink Enterprise Most popular provides complimentary worker playing cards, which is a superb bonus for small companies attempting to save lots of on prices.
Winner: Sapphire Most popular. Its advantages outclass these on the Ink Enterprise Most popular.
Associated: Why the Sapphire Most popular stays the highest journey rewards card yr after yr
Incomes factors with the Sapphire Most popular vs. Ink Enterprise Most popular
These playing cards’ incomes charges are very completely different. The Chase Sapphire Most popular earns on the following charges:
- 5 factors per greenback spent on resorts and automotive leases bought by Chase Journey (approximate 10.3% return primarily based on TPG’s August 2025 valuations)
- 5 factors per greenback on Lyft (by September 2027; 10.3%)
- 5 factors per greenback on Peloton tools and accent purchases of $150 or extra (by Dec. 31, 2027, with a restrict of 25,000 bonus factors; 10.3% return)
- 3 factors per greenback on eating, on-line grocery shops (excluding Walmart, Goal and wholesale golf equipment) and streaming companies (6.2%)
- 2 factors per greenback on a broad vary of journey purchases, together with airline tickets, taxis, tolls and parking (4.1%)
- 1 level per greenback on every thing else (2.1%)
The Ink Enterprise Most popular has a lot less complicated incomes charges:
- 5 factors per greenback on Lyft (by September 2027) (10.3% return)
- 3 factors per greenback on the primary $150,000 spent every account anniversary yr on a mixture of journey (the identical broad class as with the Sapphire Most popular), delivery purchases, web, cable and cellphone companies and promoting purchases made with social media websites and search engines like google (6.2% return)
- 1 level per greenback on every thing else (2.1% return)
There are a few issues to remember right here. First, if eating is one in every of your main bills, the Chase Sapphire Most popular is the way in which to go. Nonetheless, if journey is your fundamental outlay, the Ink Enterprise Most popular earns extra factors per greenback than the Sapphire Most popular on most journey purchases.
If your enterprise spends greater than $150,000 every year, the Ink Enterprise Most popular might not be the very best match. For those who nonetheless need to earn rewards with Chase, apply for the Sapphire Most popular or one other Chase enterprise card as an alternative.
Moreover, if your enterprise spends greater than $150,000 on promoting, chances are you’ll need to contemplate the Chase Sapphire Reserve for Enterprise℠ (see charges and costs) because it earns an uncapped 3 factors per greenback spent on social media and search engine promoting. Regardless of the steep $795 annual payment, in case your advert spending is that prime, you’ll simply recoup the annual payment value with the rewards earned.
Winner: Tie. The classes differ considerably, so your choice will rely in your spending habits.
Redeeming factors with the Sapphire Most popular vs. Ink Enterprise Most popular
Each playing cards earn Final Rewards factors, among the most dear round.
You will get the best worth out of your factors by transferring them to one in every of Chase’s 14 airline and resort loyalty companions.
Cardholders of both product may redeem factors straight for journey by Chase Journey to rise up to 1.75 cents per level in worth, with Factors Enhance relying on the particular redemption.
Moreover, factors might be redeemed to cowl eligible purchases in choose classes by Chase’s Pay Your self Again function.
Factors can be used for money again or reward playing cards at a charge of 1 cent per level.
Winner: Tie. You will get the identical redemption choices on both card.
Associated: 6 of the very best Final Rewards candy spots
Transferring factors with the Sapphire Most popular vs. Ink Enterprise Most popular
Final Rewards factors might be transferred to 11 airline companions, together with British Airways, Southwest and United, and three resort applications: IHG One Rewards, Marriott Bonvoy and World of Hyatt.
These switch companions can present nice worth. For instance, TPG bank cards author, Chris Nelson, lately transferred simply 8,000 factors to United Airways, the place he was capable of snag a last-minute award ticket from Belgrade Nikola Tesla Airport (BEG) to Warsaw Chopin Airport (WAW) on Star Alliance associate LOT Polish Airways.
Winner: Tie. You will get the identical redemption choices on both card.
Associated: How I used a switch bonus to get a lie-flat seat to London for simply 21,000 factors
Ought to I get the Sapphire Most popular or Ink Enterprise Most popular?
It is best to contemplate whether or not you need to carry a private bank card or a enterprise one. For those who choose a private bank card and might profit from the Chase Sapphire Most popular‘s superior journey protections and bonus classes, it could be the higher possibility for you. Nonetheless, the Sapphire Most popular and Ink Enterprise Most popular collectively is a strong match-up that might increase your journey rewards earnings into the stratosphere.
Backside line
For those who’re attempting to determine between the Chase Sapphire Most popular and Ink Enterprise Most popular, contemplate whether or not you desire a enterprise or private card, which one provides the very best class bonuses and which one provides higher journey safety.
They’re two of the very best journey rewards bank cards out there in the present day, and carrying each is an efficient option to increase your factors earnings on an ongoing foundation.
To study extra, learn our full evaluations of the Chase Sapphire Most popular and Ink Enterprise Most popular.
Apply right here: Chase Sapphire Most popular
Apply right here: Ink Enterprise Most popular
