Both are $95 Chase cards that earn the same transferable Ultimate Rewards points, but one is a business card. The Ink Business Preferred earns 3x on travel, shipping, advertising, and internet and does not add to your 5/24 count. The Sapphire Preferred is the personal version with a $100 hotel credit and 5x on Chase Travel. Many churners hold both.
Ink Business Preferred vs Sapphire Preferred, head to head
| Category | Chase Ink Business Preferred | Chase Sapphire Preferred |
|---|---|---|
| Annual fee | $95 | $95 |
| Top earn rates | 3x on travel, shipping, advertising, and internet up to $150,000 a year | 5x Chase Travel, 3x dining, gas, and rentals |
| Credits | None ongoing; cell phone and travel protections | $100 hotel credit |
| Lounge access | None | None |
| Transfer partners | Chase partners, led by Hyatt | Chase partners, led by Hyatt |
Chase Sapphire Preferred
Our pick for most people. Confirm the current welcome offer and terms at the issuer.
Which should you pick
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Pick the Ink Business Preferred if you have business spend on travel, shipping, or advertising and want a card that skips your 5/24 count.
Pick the Sapphire Preferred for personal travel, the $100 hotel credit, and 5x on Chase Travel.
The honest tradeoff
They pool into the same Chase points, so the choice comes down to whether your spend is business or personal. Many people open the Sapphire Preferred first, then add the Ink to keep earning without adding to 5/24. Every destination is listed in Chase transfer partners.
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FAQ
Do the Ink Business Preferred and Sapphire Preferred earn the same points?
Yes. Both earn Chase Ultimate Rewards that transfer to the same 14 partners at 1 to 1, except Hyatt, which both cards reach at 4 to 3 since October 1, 2026. Holding both lets you pool points in one account.
Which card should I get first?
Most people start with the Sapphire Preferred for personal travel, then add the Ink Business Preferred, since business cards do not add to your 5/24 count.
Does the Ink Business Preferred count toward 5/24?
It does not add to your count, but you must be under 5/24 to be approved for it. Confirm current rules before applying.
Do both cost $95 a year?
Yes, both carry a $95 annual fee. Confirm current fees at Chase.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
We re-check these guides as issuer rules and award charts change. 2 ways to follow along, no account needed.