If you are considering your next card application, then two options from Follow Can entice you.
Ink Business Favorites® Credit Card (Look Rates and fees) And Chase Neelam Reserve® (Look Rates and fees) Both are popular award cards that come up with their own suites and the major difference – like the fact that ink business likes Business card And sapphire reserve is one Premium travel card,
While the Neelam Reserve features an attractive name and high-end allowance, ink business practical allowances may be more understood for many wallets.
Here are six reasons you want to collect valuable Chase the final award points The ink was liked on the Neelam Reserve with a business.
You are not eligible for the welcome bonus of the sapphire reserve
One of the best ways to earn a slope of marks is to collect a reception bonus. With chase changes Sapphire bonus eligibility In 2025, earning a welcome proposal with Sapphire reserve Has become more challenging.
This is because if you have already earned a reception bonus on the Neelam Reserve, or if you currently hold Chase Neelam Favorites That (Look Rates and fees), You will not be eligible to get the bonus of the sapphire reserve.
This will sting as a new sapphire reserve applicant, as the new card holder can earn 100,000 bonus points and $ 500 chase travel promo credit* after spending $ 5,000 in three months before the opening of the account. According to TPG August 2025, it is up to $ 2,550 Valuation,
*Note that Conditions for Travel Credit State: Promotion Credit is valid for only one time use, if you apply promotional credit to less than $ 500 transactions, you will seize the remaining amount.
Meanwhile, new Ink business favorite Cardholders can earn 90,000 bonus points after spending $ 8,000 in the first three months after opening the account. The evaluation of TPG gives this bonus a value of $ 1,845.
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When Ink business favorite bonus More expenses require, it has less restrictions than the Neelam Reserve. In addition, the ink business offers a stellar offer for the preferred $ 95 annual fee, especially when compared to the $ 795 annual fee of the Neelam Reserve.
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You give importance to simplicity and do not want to pay high annual fees
Talking about the annual fee, you may like Ink business favorite Only because its $ 95 annual fee is much lower than $ 795 fee Sapphire reserve,
Ink business liked is a solid Business card He Chase Aptimate Rewards Earned PointsThis is a better option for ordinary experts who are not interested in keeping an eye on many statement credits, as the sapphire provides the reserve Long list of such benefits It means to compensate for its high fee.
If one Sky-high annual fee Your priority is not, you are better with ink business.
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You often spend on general trip and select business categories
Ink business favoriteThe bonus categories of the $ 95-annual fee are solid to the card. This is a great option if you want to rack Valuable pursuit marks,
With ink business choice, you will earn 3 points per dollar at the first $ 150,000 spent on joint purchase in each account anniversary year in the following categories:
- Advertising shopping with social media sites and search engines
- Internet, cable and phone services
- shipping
- Travel
Sapphire reserve Travel-related bonuses also provide categories. With this card, you will earn:
- 8 points per dollar spent on procurement made through Chase Yatra
- 4 marks spent directly on books and hotels were booked directly
The main aspect where the ink likes the business moves forward. General journey Social class.
Certainly, the Neelam Reserve earns 8 points per dollar spent on the journey booked within its portal and 4 points spent on directly booked hotels and flights, but any other normal journey will bring to just 1 point per dollar.
The ink business was preferred, meanwhile, the bus, campground, car rental agencies, cruise lines, ghats, parking lots and garages, taxis, and more earns 3 points per dollar spent on travel purchases.
So, if you find yourself traveling beyond hotels and flights and Chase out of the tripYou will get a better return to your expense with ink business.
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You often do not redeem points through chase travel
The marks you will earn Ink business favorite And Sapphire reserve The same 14 are transferable Loyalty program partner And that way can be maximized.
Ink business has access to Chase both favorite and sapphire reserve Point boost facilityWhich allows card holders to capitalize on their points Chase journey In a price of 1.75 or 2 points per dollar respectively for select flight and hotel booking made through the portal.
If you like ink business, you can leave some value on the table. This is because the maximum value of your digits is higher with the sapphire reserve through promoting points.
But, if you take advantage of the transfer partners for your redemption (which is a great way to complete the full August 2025 of TPG or even a great way Evaluation Chase Points in 2.05 St. Epis), then you are also with Ink Business Favorite and Neelam Reserve.
For example, you can transfer 40,500 final award marks to Iberia Club to book one-way business-class. Flight from Madrid on IberiaSince the cash price for this flight is $ 3,258, you are getting incredible 8 cents per number in the price.
And, with priority to the ink business, you will pay $ 700 less in the annual fee to be an exact equal transfer option with your points.
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You want cellphone safety
When Sapphire reserve Provides many allowances, it decreases at a significant profit Ink business favorite Are included: Cellphone protection,
Ink business preferred card holders (and employees if they choose) receive $ 1,000 in coverage per claim, provided the number is listed on their monthly bill and they pay their bills with their cards. There is a range of three claims over a period of 12 months, with $ 100 deduction per claim.
If the security of the phone is a significant advantage for you, then the ink business has been preferred, this is a clear option.
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You already have a luxury travel card
If you have Platinum Card® to American Express And find that its luxury allowances-like lounge access, elite status and statement credit (apply the necessary enrollment; the conditions)-are sufficient for you, you may not need to add another high-year-year-fee card like. Sapphire reserve For your budget.
Ink business favorite Allows you to earn the chase point on high returns and comes with a solid journey and purchases security at a more modest annual fee.
If your card setup is not missing the premium card, then you may not need Neelam Reserve anyway.
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Ground level
Your unique situation plays an important role whether you will be better with it Ink business favorite Above Chase sapphire reserveWith any chase card, just make sure you are Below 5/24 And meet others Application requirements for approval.
Remember, there are many ways Get qualification for business cardSuch as side hustles and freelancing gigs. So, do not leave the ink business a favorite on the table, as you are not the owner of a traditional small business. The card is a solid option for many people.
To learn more, see us Full review of chase ink business favorite,
Apply here: Ink Business Favorite Credit Card
