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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 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 for Business

Annual fee
$795
Network
visa
Welcome value
~$2,000
Min spend
$30,000 / 6mo

Top earning rates

  • 8×Purchases made using your card through Chase Travel
  • 5×Qualifying Lyft products and services purchased through the Lyft mobile application
  • 4×Flights and hotels booked direct
  • 3×Social media and search engine advertising

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
  • $300 annual travel credit · $300
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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