Card Comparison
Chase Ink Business Cash vs Chase Sapphire Reserve Business
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
$795/yr
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $6,000 in 3 months
200,000 points
Spend $30,000 in 6 months
Top Earn Rates
- Office Supply Stores 5x
- Internet, Cable, Phone Services 5x
- Gas Stations 2x
- Chase Travel (including The Edit) 8x
- Lyft rides 5x
- flights & hotels booked direct 4x
Reward Type
miles
miles
Key Credits
None
- Annual Travel Credit $300
- Stays with the Edit $250
- Priority Pass Select Membership $429
- +1 more
Card Perks
None listed
- Chase Sapphire Lounge (~$200/yr)
Transfer Partners
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Common Questions: Chase Ink Business Cash vs Chase Sapphire Reserve Business
Is the Chase Ink Business Cash or Chase Sapphire Reserve Business better for dining?
Chase Ink Business Cash earns 2x on dining; Chase Sapphire Reserve Business has no dining bonus.
Which has the higher signup bonus in 2026?
Chase Ink Business Cash currently offers 75,000 pts signup bonus (spend $6,000 in 3 months). Chase Sapphire Reserve Business offers 200,000 pts signup bonus (spend $30,000 in 6 months). Chase Sapphire Reserve Business has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Chase Ink Business Cash and the Chase Sapphire Reserve Business?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Chase, so check their specific application rules.