Chase Cards' Category Cheat Sheet
✈️ Where to Use Each Card (Without Overthinking It)
| Card | 💵 Annual Fee | 🍽️ Dining | 🛒 Groceries | ⛽ Gas | ✈️ Travel | 💳 Other |
|---|---|---|---|---|---|---|
| Chase Sapphire Preferred® | $95 | ⭐ 3x | 1x | 1x | ⭐ 2x | 1x |
| Chase Sapphire Reserve® | $795 | ⭐ 3x | 1x | 1x | ⭐ 3x | 1x |
| Ink Business Preferred® | $95 | 3x (select) | 1x | 1x | ⭐ 3x | 1x |
| Ink Business Cash® | $0 | ⭐ 2x | 1x | ⭐ 2x | 1x | 1x |
| Ink Business Unlimited® | $0 | 1.5x | 1.5x | 1.5x | 1.5x | ⭐ 1.5x |
💳 Which Card Should You Use?
🍽️ Dining or takeout?
Use: Chase Sapphire Preferred® → 3x points
Use: Chase Sapphire Preferred® → 3x points
✈️ Booking travel?
Use: Sapphire Reserve® or Sapphire Preferred® → 2x–3x points
Use: Sapphire Reserve® or Sapphire Preferred® → 2x–3x points
⛽ Getting gas?
Use: Ink Business Cash® → 2x points
Use: Ink Business Cash® → 2x points
💻 Business / bills?
Use: Ink Business Preferred® → 3x (select)
Use: Ink Business Preferred® → 3x (select)
🛍️ Everything else?
Use: Ink Business Unlimited® → 1.5x
Use: Ink Business Unlimited® → 1.5x
Multipliers and benefits may change. Always verify current card terms.
