Explore Chase business cards that have travel perks and benefits similar to the Sapphire products.
The Chase Sapphire cards are among the best personal credit cards when it comes to earning travel rewards. You get to earn points on dining and travel purchases, and you can convert them to miles and points of partner airlines and hotels at a 1:1 ratio. But the best part is that you get between 25% and 50% higher point value when you redeem your rewards through the Chase Ultimate Rewards® program.
Is there a Chase Sapphire business card?
There is no Chase Sapphire business card in the direct sense, but there are similar cards with travel perks and benefits called the Ink cards.
Let’s say you want to earn unlimited 1.5x points on everything you buy for your business, then the no-annual-fee Ink Business Unlimited℠ Credit Card would be the right pick. But if you mostly spend on office supplies up to $25,000 per year and on gas and dining up to the same amount, the Ink Business Cash℠ Credit Card would be the way to go.
However, if you travel often and you want to get the highest value out of your business card, the Ink Business Preferred℠ Credit Card may be the right choice.
Benefits of the Ink Business Preferred℠ Credit Card for small businesses
- Signup bonus. Get 80,000 bonus points when you spend $5,000 in the first 3 months of card membership. That’s up to $1,000 worth of travel rewards when you redeem them through the Chase Ultimate Rewards® program. This is 30,000 more bonus points than the Sapphire cards — or $375 more in travel rewards value.
- Earn points. With every dollar spent on travel; shipping; Internet, cable and phone services; and advertising with social media sites and search engines, you’ll earn 3x points on up to $150,000 per year in combined purchases. After that, and for everything else, you’ll earn 1x points.
- Free employee cards. Get free cards for your employees and earn more points with every dollar they spend.
- Transfer points. One of the main benefits you get with this card is the ability to transfer points with partner airlines and hotels at a 1:1 ratio.
Downfalls of the Ink Business Preferred℠ Credit Card for small businesses
Unlike the Chase Sapphire cards, the Ink Business Preferred℠ Credit Card doesn’t offer a points boost on dining. And if your financial history isn’t up to par, you’ll get a minimum credit line of $5,000 — whereas the minimum credit line you can get for the Chase Sapphire Reserve® is $10,000.
Another point where the Sapphire cards excel is the amount of money you get for trip cancellation and interruption due to sickness, weather conditions and other situations covered by your card agreement. With the Ink cards you can be reimbursed up to $5,000, and for the Sapphire cards up to $10,000. The amount covers your prepaid non-refundable travel expenses, such as passenger fares, tours and hotels.
Consider a business card from another brand
SimplyCash® Plus Business Credit Card from American ExpressRead more
Compare business credit cards
You don’t have to be torn between a Sapphire card and an Ink business card. With the Chase Ultimate Rewards® program, you can combine the points you earn with your personal and business cards and redeem them for travel rewards for the highest value.
The only drawback of the Ink Business Preferred℠ Credit Card is that you won’t earn any points on dining. But that may not be too big of a big deal when you take into consideration that you get to earn a decent number of points on specific business purchases. Plus, you can always consider getting a personal Chase Sapphire card to compensate for that.
If you still aren’t sure which one to pick, check out our comprehensive guide to business credit cards to help you choose the right one.
Compare Ink Business Preferred℠ Credit Card and Ink Business Cash℠ Credit Card