Snapshot#
| Chase Sapphire Preferred | Chase Ink Business Unlimited |
|---|
| Issuer | Chase | Chase |
| Network | Visa (Visa Signature) | Visa |
| Card Material | Metal | Plastic |
| Annual Fee | $95.00 Effective: $-75.00 • $50 Annual Chase Travel Hotel Credit • $120 DoorDash Grocery/Retail Credit | $0.00 |
| Base Rate | 1.00% | 1.50% |
| Travel Rewards | 2.00x | 1.50x |
| Authorized User Fee | $0.00 | $0.00 |
| Foreign Transaction Fee | None | 3% |
| Credit Reporting | Ex, Eq, Tu | None |
| Product Lifecycle | Available (16y ago) | Active |
| Minimum Credit Line | $5000 | N/A |
Welcome Offer#
| Bonus | 75,000 Chase Points | N/A |
| Spend Requirement | $5,000 | N/A |
| Timeline | 90 days | N/A |
| Efficiency Score | 15.00 pts/$1 | 0.00 pts/$1 |
| Cash Back Value | $750 | — |
| Portal Travel Value | $938 | — |
| Transfer Estimated Value | $1,500 | — |
Rewards Breakdown#
Benefits & Partners#
| Transfer Partners | 14 Partners | None |
| Annual Credits | $50 Annual Chase Travel Hotel Credit $120 DoorDash Grocery/Retail Credit | None |
| Partnership Benefits | 3 Programs | None |
| Lyft | 5.0x Chase Points | — |
| Peloton | 5.0x Chase Points | — |
| DashPass Perk | Complimentary Membership ($9.99/mo) | — |
Transfer Partners#
Pricing Details#
| Purchase APR | 19.24% - 27.49% | N/A |
| Cash Advance Fee | 5% | None |
| Balance Transfer Fee | 5% | None |
| Late Payment Fee | Up to $40 | Up to $Unverified |
| Minimum Interest Charge | $0.00 | None |
| Grace Period | 21 days | 21 days |
| Penalty APR | 29.99% | None |
Insurance & Protections#
| Auto Rental Coverage | Primary ($60,000) | None |
| Trip Cancellation | Up to $20,000 | None |
| Trip Delay | Up to $500 | None |
| Purchase Protection | Up to $500 / Item | None |
| Extended Warranty | +1
Year | None |
| Return Protection | None | None |
| Cell Phone Protection | None | None |
| TSA PreCheck | None | None |
Usability & Experience#
| Digital Wallets | apple-pay, google-pay, samsung-pay | apple-pay, google-pay, samsung-pay |
| Customer Service | 24/7 Direct Specialist | Unverified |
| Instant Use | Available | Unverified |
Strategy & Eligibility#
| Min. Credit Score | 690+ | 670+ |
| Recommended Range | Good/Excellent | Good |
| Chase 5/24 Rule | Strict (Chase) | No |
| Lifetime Restriction | Yes | None |
| Active Family Restriction | Yes (Sapphire Family (One Sapphire card at a time)) | No |
| Closure Grace Period | 2 weeks | None |
Real-World Value Gap#
[!NOTE]
AxeTip Realism Index: We’ve adjusted portal redemption values for cards with travel portal multipliers to reflect real-world market pricing (e.g., markups found in the Chase Travel portal).
