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Head-to-head, 2026

Chase Ink Business Premier Chase Sapphire Reserve for Business

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 PremierBigger welcome offer: Chase Sapphire Reserve for Business

Chase

Ink Business Premier

Annual fee
$195
Network
visa
Welcome value
$1,000
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

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

Chase

Sapphire Reserve for Business

Annual fee
$795
Network
visa
Welcome value
~$4,100
Min spend
$30,000 / 6mo

Top earning rates

  • 8×Chase Travel purchases · Ultimate Rewards
  • 5×Lyft products and services · Ultimate Rewards
  • 4×Flights and hotels booked direct · Ultimate Rewards
  • 3×Social media and search engine advertising · Ultimate Rewards

Key benefits

  • The Edit on-property benefits · $550
  • $500 The Edit hotel credit · $500
  • $500 The Shops at Chase credit (Spend Tier) · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $400 Credit with ZipRecruiter · $400
Full Chase Sapphire Reserve for Business 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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