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Is there a Chase Sapphire business card?
There's no Chase business card that's similar to the Sapphire products.
Why choose a Chase Sapphire card?
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.
Does a Chase Sapphire business card exist?
There is no Chase Sapphire business card in the direct sense, but there’s one product that comes close: the Chase Ink Business Preferred® Credit Card.
The Sapphire products are known for a few things in particular, including:
- Strong signup bonuses
- Bonus rewards on travel and dining
- Points are worth more when redeemed for travel through Chase Ultimate Rewards
- 1:1 point transfers to travel partners
- Purchase and travel benefits such as trip cancellation/interruption insurance, car rental insurance, purchase protection and extended warranties
You’ll find all of these benefits with the Chase Ink Business Preferred® Credit Card.
When to choose the other Ink business cards
The other Ink cards are different from the Sapphire products but can be worth picking up for the right business owner.
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 at office supply stores up to $25,000 per year and on gas stations and dining up to the same amount, the Ink Business Cash℠ Credit Card would be the way to go.
All told, these products are among the best Chase business cards, though the bank does issue other business products with partners such as United Airlines and Southwest Airlines. If you’re having trouble deciding, read our guide on how to pick a Chase Ink business card.
How do the Chase business cards stack up to the Sapphire products?
The Chase Ink Business Unlimited℠ Credit Card and Ink Business Cash℠ Credit Card share some features with the Sapphire products. However, the Chase Ink Business Preferred® Credit Card is the most similar. Here’s how Chase’s flagship business cards stack up with the bank’s Sapphire cards.
|Chase Sapphire Preferred® Card||Chase Sapphire Reserve®||Chase Ink Business Preferred® Credit Card||Chase Ink Business Unlimited℠ Credit Card||Ink Business Cash℠ Credit Card|
|Bonus rewards on travel|
|Bonus rewards on dining|
|Points boost for travel redemptions through Chase Ultimate Rewards|
|1:1 point transfers to select travel partners|
|Trip cancellation/ interruption insurance|
|Car rental insurance|
Benefits of the Ink Business Preferred® Credit Card for small businesses
- Signup bonus. Get 100,000 bonus points when you spend $15,000 in the first 3 months of card membership. That’s up to $1,250 worth of travel rewards when you redeem them through the Chase Ultimate Rewards® program.
- 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.
Pitfalls 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.
Pairing a Sapphire card with an Ink card
If you pair a Sapphire card with a Chase Ink Business Preferred® Credit Card, you can pool your points. You can use those points through Chase Ultimate Rewards or transfer them to travel partners.
You can even complete the “Chase Trifecta” by adding the Chase Freedom Unlimited®. It’s advertised as a product that offers 1.5% cash back on all purchases. But you actually receive your rewards in the form of points — points that you can transfer to your Chase Sapphire Preferred® Card or Chase Ink Business Preferred® Credit Card.
You might, of course, find reasons to pair one of the Sapphire cards with the Chase Ink Business Unlimited℠ Credit Card or Ink Business Cash℠ Credit Card. The main reason would likely be if these business products offer rewards that fit snugly with your business spending.
Compare Chase Ink business 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 guide to business credit cards to help you choose the right one.
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