Chase Sapphire Reserve vs. Ink Enterprise Most popular showdown

TPG’s August 2025 valuations peg Final Rewards factors at 2.05 cents every, making this provide value a whopping $2,563.

In the meantime, the Ink Enterprise Most popular is at the moment providing new candidates 90,000 bonus factors after they spend $8,000 on purchases within the first three months from account opening.

In response to our valuations, this bonus is value $1,845. That is the usual welcome bonus we usually see on this card.

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This spending requirement is one-third greater than that of the Sapphire Reserve, and it provides fewer factors.

As all the time, be conscious of every card’s eligibility restrictions earlier than making use of. Each are Chase playing cards, in order that they’re topic to the 5/24 rule.

Moreover, you will not be eligible for the Sapphire Reserve’s bonus should you’ve obtained it earlier than or should you at the moment have the Chase Sapphire Most popular® Card (see charges and charges).

Nevertheless, you may nonetheless earn the Sapphire Reserve welcome bonus should you earned the Sapphire Most popular bonus prior to now; you simply cannot have the Sapphire Most popular open.

With the Ink Enterprise Most popular, you will not be eligible for a welcome bonus when you have beforehand earned one prior to now 24 months.

Winner: Chase Sapphire Reserve. Its bonus is 35,000 factors increased and requires $2,000 much less in spending.

Associated: Am I eligible for the Chase Sapphire Reserve’s 125,000-point bonus?

Chase Sapphire Reserve vs. Ink Enterprise Most popular advantages

• Precedence Move Choose membership and entry to Sapphire and choose Air Canada Maple Leaf lounges
• $500 annual assertion credit score for The Edit (as much as $250 biannually; minimal two-night keep required)
• As much as a $300 annual journey credit score: This credit score is extremely versatile and triggers on any buy Chase defines as journey
• $300 annual assertion credit score for StubHub or Viagogo (as much as $150 biannually; by way of Dec. 31, 2027)
• $300 annual eating credit score at Sapphire Reserve Unique Tables (as much as $150 biannually)
• $120 in annual assertion credit towards Peloton memberships; activation required (by way of Dec. 31, 2027)
• As much as $120 in reimbursement on your utility payment for International Entry, TSA PreCheck or Nexus, as soon as each 4 years
• Complimentary subscriptions to Apple TV+ and Apple Music (by way of June 22, 2027)
• Complimentary minimal one-year DashPass membership (by way of Dec. 31, 2027) and $25 in month-to-month promos
• $10 month-to-month Lyft in-app credit score; doesn’t apply to Wait & Save, bike or scooter rides (by way of Sept. 30, 2027)
• Complimentary IHG One Rewards Platinum Elite standing
• In depth journey protections, together with rental automotive, misplaced/delayed baggage, emergency evacuation and journey delay/cancellation insurance coverage
• Prolonged guarantee, buy and return safety

For extra particulars, see our full information on the Sapphire Reserve’s assertion credit.

The standout advantages of the Chase Sapphire Reserve are airport lounge entry, a number of assertion credit, computerized elite standing and spectacular journey protections. In case you journey ceaselessly, these perks will seemingly make the Sapphire Reserve a greater possibility.

The worth of all of the assertion credit on the Sapphire Reserve totals over $2,000 yearly if totally used. These credit are lifestyle-centered, and most of the people shouldn’t have any drawback utilizing them. Even should you use simply half of the credit, that can greater than offset the annual payment.

I take into consideration making use of for this card on daily basis, however I am debating whether or not I need to pay the $795 annual payment upfront. I do know I might simply recoup the associated fee by way of the journey and leisure credit, particularly since I already pay for Apple Music and Apple TV+, but it surely’s nonetheless a big capsule to swallow abruptly.

The Ink Enterprise Most popular has a a lot decrease $95 annual payment however comes with a extra restricted set of advantages:

• Worker playing cards at no further price
• Cellphone safety
• Journey protections, together with misplaced/delayed baggage safety and journey cancellation/interruption insurance coverage
• Prolonged guarantee and buy safety

Whereas the Ink Enterprise Most popular’s listing of advantages is shorter than that of the Sapphire Reserve, you will nonetheless get useful protections that embrace cellphone safety (not supplied on the Sapphire Reserve) for you and each licensed consumer on the account. Approved customers might be added for no further price.

Each playing cards do share advantages like main rental automotive insurance coverage and related journey and buy protections. In case you do not want the Sapphire Reserve’s premium perks or journey sufficient, chances are you’ll discover the Ink Enterprise Most popular’s strong journey protections and a modest annual payment to be your greatest guess.

Winner: Sapphire Reserve. The journey advantages and assertion credit far surpass the advantages on the Ink Enterprise Most popular.

Associated: I am preserving my Chase Sapphire Reserve regardless of its $795 annual payment. Here is why

Incomes factors with the Chase Sapphire Reserve vs. Ink Enterprise Most popular

• 10 factors per greenback spent on Peloton gear and accent purchases of $150 or extra by way of Dec. 31, 2027 (a 20.5% return primarily based on TPG’s valuations)
• 8 factors per greenback spent on all Chase Journey purchases (16.4%)
• 5 factors per greenback spent on Lyft rides (by way of Sept. 30, 2027) (10.3%)
• 4 factors per greenback spent on flights and motels booked straight (8.2%)
• 3 factors per greenback spent on eating (6.2%)
• 1 level per greenback spent on all different purchases (2.1%)

Alternatively, the Ink Enterprise Most popular earns:

• 5 factors per greenback spent on Lyft rides by way of Sept. 30, 2027 (10.3%)
• 3 factors per greenback spent on the primary $150,000 of mixed purchases every cardmember 12 months, then 1 level per greenback spent thereafter within the following classes: delivery purchases, web companies, cable companies, cellphone companies, journey, and promoting with social media and search engines like google
• 1 level per greenback spent on all different purchases

The Sapphire Reserve is healthier suited for many who ebook motels and flights straight and have excessive eating budgets, as you will earn 4 and three factors per greenback spent, respectively.

Nevertheless, should you spend extra on journey exterior of motels and flights booked straight, the Ink Enterprise Most popular is the higher possibility as you will earn 3 factors per greenback spent. The one caveat is that with the Ink Enterprise Most popular, you are restricted to $150,000 in mixed spending to earn 3 factors per greenback spent.

To totally maximize your earnings, you possibly can maintain each playing cards and even add a 3rd Chase card to create a trifecta.

Winner: Sapphire Reserve. The Sapphire Reserve simply narrowly edges out the Ink Enterprise Most popular, because it provides extra bonus classes, is healthier fitted to eating and particular journey purchases, and has no spending caps.

Associated: What purchases qualify for 3 factors per greenback with the Ink Enterprise Most popular?

Redeeming factors with the Chase Sapphire Reserve vs. Ink Enterprise Most popular

Your most respected redemption possibility is to switch your factors from both card to one in all Chase’s 14 resort and airline companions.

You even have the choice to redeem your factors by reserving journey by way of Chase Journey. Relying on the particular redemption, you will get a price of as much as 1.75 cents per level with the Ink Enterprise Most popular or as much as 2 cents per level with the Sapphire Reserve by way of Chase’s Factors Increase characteristic.

You may as well use Chase’s Pay Your self Again possibility and redeem your factors for a press release credit score for choose purchases.

Moreover, you may redeem your factors with both card for reward playing cards or a press release credit score at a charge of 1 cent per level. That is your least useful redemption possibility, however good to have should you want flexibility.

Winner: Chase Sapphire Reserve. Its increased redemption worth by way of Factors Increase through Chase Journey provides it the slight edge.

Associated: Why I select to earn Chase Final Rewards factors over Amex Membership Rewards factors

Transferring factors with the Chase Sapphire Reserve vs. Ink Enterprise Most popular

Companions like Virgin Atlantic Flying Membership, Iberia Membership, United MileagePlus and World of Hyatt can provide outsize worth.

I like transferring my Chase factors to Hyatt and utilizing them to ebook motels when the money worth is excessive. I simply transferred 6,500 factors to Hyatt for an evening on the Hyatt Place Amsterdam Airport, which might have price me over $200.

Moreover, for flights, I typically switch my factors to Southwest Fast Rewards and ebook low cost flights throughout its seasonal gross sales on nonstop routes that always require a layover on another airline.

Whether or not you primarily journey domestically or overseas, you will discover useful redemption alternatives with Chase’s switch companions.

Winner: Tie. Each playing cards mean you can switch your factors to Chase’s journey companions.

Associated: Chase Final Rewards to lose Emirates Skywards as a switch associate Oct. 16

Ought to I get the Chase Sapphire Reserve or Ink Enterprise Most popular?

Associated: Chase Sapphire Most popular vs. Ink Enterprise Most popular

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