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All comparisons
Head-to-head, 2026

Chase Ink Business Premier Chase Sapphire Reserve

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Ink Business Premier

Chase

Ink Business Premier

Annual fee
$195
Network
visa
Welcome value
—
Min spend
$10,000 / 3mo

Top earning rates

  • 5×Purchases made using your card through Chase Travel · Chase Ultimate Rewards
  • 5×Qualifying Lyft products and services purchased through the Lyft mobile application · Chase Ultimate Rewards
  • 2.5×Every purchase totaling $5,000 or more · Chase Ultimate Rewards
  • 2×Each $1 spent · Chase Ultimate Rewards

Key benefits

  • Trip Cancellation and Interruption Insurance · $0
  • Extended Warranty · $0
  • $0 Fraud Liability · $0
  • Travel and Emergency Assistance Services · $0
  • Purchase Protection · $0
Full Chase Ink Business Premier review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Eligible Peloton equipment and accessory purchases over $150
  • 8×Chase Travel purchases
  • 5×Lyft rides
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • 24-Hour Travel Accident Insurance · $100000
  • Emergency Evacuation and Transportation · $100000
  • Auto Rental Collision Damage Waiver · $75000
  • Trip Cancellation and Interruption Insurance · $10000
Full Chase Sapphire Reserve review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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