Chase Final Rewards factors are among the many most dear in the marketplace, due to their versatile redemption choices. Chase has a handful of playing cards that earn Final Rewards factors, together with the Chase Sapphire Reserve® (see charges and charges) and the Ink Enterprise Most popular® Credit score Card (see charges and charges).
The Sapphire Reserve is Chase’s prime private card providing premium perks like lounge entry and a number of assertion credit. In the meantime, the Ink Enterprise Most popular is a well-liked small-business bank card.
Just a few months in the past, the Sapphire Reserve underwent a refresh that fully overhauled the cardboard, from modified charges and profit adjustments to a better annual payment.
Let’s evaluate the Chase Sapphire Reserve and the Ink Enterprise Most popular to see which card is one of the best match for you.
Chase Sapphire Reserve vs. Ink Enterprise Most popular comparability
| Card | Chase Sapphire Reserve | Ink Enterprise Most popular |
|---|---|---|
| Welcome bonus | Earn 125,000 bonus factors after spending $6,000 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 charges |
Word that you just will not earn any factors on the primary $300 spent on journey, as that can set off the cardboard’s $300 journey credit score. |
|
| Annual payment | $795 | $95 |
| Factors redemption worth | As much as 2 cents per level, relying on the particular redemption | As much as 1.75 cents per level, relying on the particular redemption |
| Different advantages |
|
|
| Payment for extra playing cards | $195 every | $0 |
Each playing cards have a lot to supply, and which is healthier for you is dependent upon your small business spending habits. Earlier than deciding, contemplate the components beneath.
Chase Sapphire Reserve vs. Ink Enterprise Most popular welcome bonus
The Chase Sapphire Reserve is at the moment providing new candidates 125,000 bonus factors after they spend $6,000 within the first three months from account opening.
TPG’s August 2025 valuations peg Final Rewards factors at 2.05 cents every, making this supply price a whopping $2,563.
In the meantime, the Ink Enterprise Most popular is at the moment providing new candidates 90,000 bonus factors after they spend $8,000 on purchases within the first three months from account opening.
In accordance with our valuations, this bonus is price $1,845. That is the usual welcome bonus we sometimes see on this card.
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This spending requirement is one-third greater than that of the Sapphire Reserve, and it gives fewer factors.
As at all times, be conscious of every card’s eligibility restrictions earlier than making use of. Each are Chase playing cards, in order that they’re topic to the 5/24 rule.
Moreover, you will not be eligible for the Sapphire Reserve’s bonus should you’ve acquired it earlier than or should you at the moment have the Chase Sapphire Most popular® Card (see charges and charges).
Nonetheless, you possibly can nonetheless earn the Sapphire Reserve welcome bonus should you earned the Sapphire Most popular bonus prior to now; you simply cannot have the Sapphire Most popular open.
With the Ink Enterprise Most popular, you will not be eligible for a welcome bonus when you’ve got beforehand earned one prior to now 24 months.
Winner: Chase Sapphire Reserve. Its bonus is 35,000 factors larger and requires $2,000 much less in spending.
Associated: Am I eligible for the Chase Sapphire Reserve’s 125,000-point bonus?
Chase Sapphire Reserve vs. Ink Enterprise Most popular advantages
The Chase Sapphire Reserve has a hefty $795 annual payment however comes with a stellar set of premium advantages:
- Precedence Cross Choose membership and entry to Sapphire and choose Air Canada Maple Leaf lounges
- $500 annual assertion credit score for The Edit (as much as $250 biannually; minimal two-night keep required)
- As much as a $300 annual journey credit score: This credit score is extremely versatile and triggers on any buy Chase defines as journey
- $300 annual assertion credit score for StubHub or Viagogo (as much as $150 biannually; by way of Dec. 31, 2027)
- $300 annual eating credit score at Sapphire Reserve Unique Tables (as much as $150 biannually)
- $120 in annual assertion credit towards Peloton memberships; activation required (by way of Dec. 31, 2027)
- As much as $120 in reimbursement to your software payment for World Entry, TSA PreCheck or Nexus, as soon as each 4 years
- Complimentary subscriptions to Apple TV+ and Apple Music (by way of June 22, 2027)
- Complimentary minimal one-year DashPass membership (by way of Dec. 31, 2027) and $25 in month-to-month promos
- $10 month-to-month Lyft in-app credit score; doesn’t apply to Wait & Save, bike or scooter rides (by way of Sept. 30, 2027)
- Complimentary IHG One Rewards Platinum Elite standing
- Intensive journey protections, together with rental automotive, misplaced/delayed baggage, emergency evacuation and journey delay/cancellation insurance coverage
- Prolonged guarantee, buy and return safety
For extra particulars, see our full information on the Sapphire Reserve’s assertion credit.
The standout advantages of the Chase Sapphire Reserve are airport lounge entry, a number of assertion credit, computerized elite standing and spectacular journey protections. For those who journey steadily, these perks will seemingly make the Sapphire Reserve a greater possibility.
The worth of all of the assertion credit on the Sapphire Reserve totals over $2,000 yearly if absolutely used. These credit are lifestyle-centered, and most of the people shouldn’t have any downside utilizing them. Even should you use simply half of the credit, that can greater than offset the annual payment.
I take into consideration making use of for this card day-after-day, however I am debating whether or not I need to pay the $795 annual payment upfront. I do know I may simply recoup the associated fee by way of the journey and leisure credit, particularly since I already pay for Apple Music and Apple TV+, nevertheless it’s nonetheless a big tablet to swallow .
The Ink Enterprise Most popular has a a lot decrease $95 annual payment however comes with a extra restricted set of advantages:
- Worker playing cards at no extra value
- Cellphone safety
- Journey protections, together with misplaced/delayed baggage safety and journey cancellation/interruption insurance coverage
- Prolonged guarantee and buy safety
Whereas the Ink Enterprise Most popular’s checklist of advantages is shorter than that of the Sapphire Reserve, you may nonetheless get helpful protections that embody cellphone safety (not supplied on the Sapphire Reserve) for you and each approved person on the account. Approved customers could be added for no extra value.
Each playing cards do share advantages like main rental automotive insurance coverage and related journey and buy protections. For those who do not want the Sapphire Reserve’s premium perks or journey sufficient, chances are you’ll discover the Ink Enterprise Most popular’s stable journey protections and a modest annual payment to be your finest guess.
Winner: Sapphire Reserve. The journey advantages and assertion credit far surpass the advantages on the Ink Enterprise Most popular.
Associated: I am conserving my Chase Sapphire Reserve regardless of its $795 annual payment. This is why
Incomes factors with the Chase Sapphire Reserve vs. Ink Enterprise Most popular
With the Chase Sapphire Reserve, you may earn:
- 10 factors per greenback spent on Peloton tools and accent purchases of $150 or extra by way of Dec. 31, 2027 (a 20.5% return based mostly on TPG’s valuations)
- 8 factors per greenback spent on all Chase Journey purchases (16.4%)
- 5 factors per greenback spent on Lyft rides (by way of Sept. 30, 2027) (10.3%)
- 4 factors per greenback spent on flights and lodges booked immediately (8.2%)
- 3 factors per greenback spent on eating (6.2%)
- 1 level per greenback spent on all different purchases (2.1%)
However, the Ink Enterprise Most popular earns:
- 5 factors per greenback spent on Lyft rides by way of Sept. 30, 2027 (10.3%)
- 3 factors per greenback spent on the primary $150,000 of mixed purchases every cardmember yr, then 1 level per greenback spent thereafter within the following classes: delivery purchases, web companies, cable companies, cellphone companies, journey, and promoting with social media and search engines like google and yahoo
- 1 level per greenback spent on all different purchases
The Sapphire Reserve is healthier suited for individuals who e book lodges and flights immediately and have excessive eating budgets, as you may earn 4 and three factors per greenback spent, respectively.
Nonetheless, should you spend extra on journey outdoors of lodges and flights booked immediately, the Ink Enterprise Most popular is the higher possibility as you may earn 3 factors per greenback spent. The one caveat is that with the Ink Enterprise Most popular, you are restricted to $150,000 in mixed spending to earn 3 factors per greenback spent.
To completely maximize your earnings, you may maintain each playing cards and even add a 3rd Chase card to create a trifecta.
Winner: Sapphire Reserve. The Sapphire Reserve simply narrowly edges out the Ink Enterprise Most popular, because it gives extra bonus classes, is healthier fitted to eating and particular journey purchases, and has no spending caps.
Associated: What purchases qualify for 3 factors per greenback with the Ink Enterprise Most popular?
Redeeming factors with the Chase Sapphire Reserve vs. Ink Enterprise Most popular
Each the Chase Sapphire Reserve and the Ink Enterprise Most popular earn transferable Chase Final Rewards factors.
Your most dear redemption possibility is to switch your factors from both card to one among Chase’s 14 resort and airline companions.
You even have the choice to redeem your factors by reserving journey by way of Chase Journey. Relying on the particular redemption, you may get a price of as much as 1.75 cents per level with the Ink Enterprise Most popular or as much as 2 cents per level with the Sapphire Reserve by way of Chase’s Factors Increase function.
You can too use Chase’s Pay Your self Again possibility and redeem your factors for a press release credit score for choose purchases.
Moreover, you possibly can redeem your factors with both card for present playing cards or a press release credit score at a charge of 1 cent per level. That is your least helpful redemption possibility, however good to have should you want flexibility.
Winner: Chase Sapphire Reserve. Its larger redemption worth by way of Factors Increase through Chase Journey provides it the slight edge.
Associated: Why I select to earn Chase Final Rewards factors over Amex Membership Rewards factors
Transferring factors with the Chase Sapphire Reserve vs. Ink Enterprise Most popular
Each the Chase Sapphire Reserve and the Ink Enterprise Most popular can help you switch your factors to any of Chase’s 14 airline and resort companions.
Companions like Virgin Atlantic Flying Membership, Iberia Membership, United MileagePlus and World of Hyatt can supply outsize worth.
I really like transferring my Chase factors to Hyatt and utilizing them to e book lodges when the money worth is excessive. I simply transferred 6,500 factors to Hyatt for an evening on the Hyatt Place Amsterdam Airport, which might have value me over $200.
Moreover, for flights, I typically switch my factors to Southwest Speedy Rewards and e book low cost flights throughout its seasonal gross sales on nonstop routes that usually require a layover on another airline.
Whether or not you primarily journey domestically or overseas, you may discover helpful redemption alternatives with Chase’s switch companions.
Winner: Tie. Each playing cards can help you switch your factors to Chase’s journey companions.
Associated: Chase Final Rewards to lose Emirates Skywards as a switch companion Oct. 16
Ought to I get the Chase Sapphire Reserve or Ink Enterprise Most popular?
For those who journey typically or want premium perks, it is best to go for the Chase Sapphire Reserve for its airport lounge entry, journey advantages, assertion credit, and its bonus-earning classes. For those who do not journey a lot, nevertheless, and spend extra of your cash on enterprise bills, it is best to go for the Ink Enterprise Most popular.
Associated: Chase Sapphire Most popular vs. Ink Enterprise Most popular
Backside line
The Chase Sapphire Reserve and Ink Enterprise Most popular are each glorious playing cards. Which one is finest for you is dependent upon whether or not you are in search of a premium journey card to raise your journey experiences or a flexible enterprise bank card that can reward you in classes the place many companies spend cash frequently.
Both method, you possibly can’t go incorrect incomes super-valuable Chase Final Rewards factors in your spending.
To study extra, please see our full opinions of the Chase Sapphire Reserve and Ink Enterprise Most popular.
Apply right here: Chase Sapphire Reserve
Apply right here: Ink Enterprise Most popular Credit score Card
