Bringing two players into the world of points and Miles is a great way to quickly collect points, stack benefits and share privileges.
Couple holding two chasing sapphire personal cards – $95 annual fee Chase Sapphire Priority® Card (See rates and fees) and $795 Chase SapphireReserve® (See Rates and Fees) – Combining each card’s respective powers may be used greatly.
This is especially true, as the 2025 change of Sapphire Reserve expands the difference between the two products.
Do you both have excellent credit scores and good financial habits? Are you and your partner ready to go all out to chase the ultimate reward? If so, here’s how you can get the maximum value from Sapphire Preferred and Sapphire reserves together.
Earn 2 valuable welcome bonuses
Perhaps the most important action you will take with any new reward card is to win the welcome bonus as you will get a lot of points from it. If you and your partner are considering using two Chase Sapphire cards, now is a great time to apply. The bonus is high compared to their quote history.
- Chatong Sapphire Reserve: Earn 100,000 bonus points, plus $500 in ChaseTravel℠promotion credit, spending $5,000 in purchases in the first three months of opening an account. According to TPG’s July 2025 valuation, this offer is worth $2,550 (including Chase Travel Credit), making it the best in the card’s history. This promotional credit is only applicable for one-time use, subject to the terms of the travel credit. So if you apply promotional credit to transactions with less than $500, you will lose the remaining balance.
- Chase Sapphire’s first choice: Earn 75,000 bonus points after spending $5,000 in the first three months of opening. TPG’s valuation believes that the offer is worth $1,538.
If you can combine the value of these two high bonuses, you can end up earning 175,000 chase points, with a value of up to $3,588 per valuation, and a $500 chase travel credit.
Consider your qualifications
Chase’s bonus eligibility requirements have changed as sapphire reserves are updated.
While you can hold two sapphire cards now, if you used to hold a sapphire card and received a welcome bonus, you most likely aren’t eligible for a bonus on the product.
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If you are currently holding a sapphire card, you may not be eligible for another bonus. If you have two sapphire cards before, you are likely not eligible for a bonus.
This is one of the two players’ methods to set it up. If your partner has never held a Sapphire card, get them involved by applying for a sapphire card, which is a great way for both of you to win one of those prizes.
Also, remember that you must follow Chase’s 5/24 rules when applying for a new card with the issuer.
Related: Final Guide to Credit Card Application Restrictions
Earn bonus points in multiple categories
When you and your partner have two sapphire cards, you will be eligible to win bonus points in multiple categories. If you want to maximize the category of two cards, it should be a breakdown of each purchase.
| card | Bonus Income |
|---|---|
| Chatong Sapphire Reserve |
Note: Purchasing eligible for annual travel credits will not be able to earn points. |
| Chase Sapphire’s preferred card |
|
Generally, if you are going to purchase a flight or hotel room directly through Chase Travel or make a qualifying Peloton purchase, you should use sapphire reserves. Streaming procurement and online grocery orders should be made in Sapphire’s preferred choice. If you are dining or taking Lyft, you can use any card.
The update to Sapphire Reserve loses the general travel bonus category, so you can’t earn 3 points per dollar on all travel purchases made with your card. Sapphire Preferred has a bonus category that costs 2 points per dollar on average travel, so it is now the best card to buy these purchases.
Related: Chase Sapphire Preferred and Sapphire Reserve: There are new changes, which card is best for you?
Shared lounge access and other privileges
this Sapphire Conservation Area The fee is $795 more than $95 Sapphire prefersbut it also includes more allowances to offset it.
One of the most useful benefits of maximizing couples is the lounge access at Sapphire Reserve, which includes eight gorgeous Chase Sapphire airport lounges currently open and three other locations along the way.
Sapphire Reserve Cardholders do not have to add their partners as authorized users to grant free access. That’s because cardholders can bring up to two guests per visit, so only one of the couple will sit in the lounge.
The card also comes with a priority membership, which allows access to more than 1,700 priority pass lounges around the world. Finally, this card gives you access to over 20 Air Canada Maple Leaf Lounges while traveling with Star Alliance Airlines.
While you don’t need to add an authorized user for lounge access, if you are traveling by a couple, you may need to pay an additional $195 Authorized User fee to get your own priority pass membership when traveling alone.
Authorized user spending will also be included in Sapphire Reserve’s flexible $300 annual travel credit, so couples can more easily maximize this if authorized users are added to their accounts.
Along these boundaries, it may be easier to maximize the editorial credit of sapphire reserves and its multiple lifestyle credits when two people spend on their accounts.
While being an authorized user of partner sapphire reserves should not affect your ability to obtain preferred sapphires, you may need to wait until you apply, accept, and may even receive a welcome bonus on Sapphire Preferred to be added as an authorized user on Sapphire Reserve for security.
Related: 5 Ways to Make sure you have access to the lounge before your next flight
Move points to maximize point improvement
Chase has introduced points as a new way to redeem points through Chase Travel. This revitalization will replace the allowed flat redemption Sapphire prefers Cardholders exchange 1.25 cents per point. Sapphire Conservation Area Cardholders redeem 1.5 cents per point through the portal.
Cardholders who prefer to hold or apply for sapphire reserves or sapphires by June 23, 2025 can still redeem this original value until October 26, 2027 as an alternative to points promotion.
Sapphire Reserve Cardholders can now redeem a 2 cent per point option for select hotels and flights from selected airlines. Sapphire preferred cardholders can only earn up to 1.5 cents per point at selected hotels, while airline flights are 1.75 cents per point.
So if you want to redeem the Chase Travel to your Chase Point, moving the Point to your Sapphire Reserve account will get the most points, enhancing the chance.
If the couple is in the same family, the couple can transfer the points to each other’s final rewards account.
Related: How (and why) Combining Chase Ultimate Bonus Points into One Account
Get the highest level of travel and purchase protection
Both cards have reliable travel insurance and purchase protection, but Sapphire Conservation Area Exceed Sapphire prefers In terms of coverage.
With the help of Sapphire Reserve, you will get travel interruptions and cancellation coverage for up to $10,000 per traveler and $20,000 per trip. Additionally, after six hours, the travel delay coverage will begin.
Sapphire Preferred comes with the same number of travel interruptions and cancellation coverage, but you have to wait 12 hours for delayed coverage.
Purchase protection on the card covers theft or damage up to 120 days, with up to $10,000 per item, which is better than $500 per item for Sapphire Preferred’s protective cap.
So if you have the option of booking a trip or making a large purchase with any one card, sapphire reserve is a safer option.
Related: 7 Chase Sapphire’s preferred benefits you may not know
Bottom line
Like a perfect couple Chatong Sapphire Reserve and Chase Sapphire’s first choice It’s great to make a pair. Putting these two cards together can enhance your chase points, help you collect two big welcome bonuses and unlock a set of benefits for both.
Additionally, the ability to transfer points to a sapphire reserve account can unlock more value as you can take advantage of points to enhance opportunities.
If you and your partner take the chase points seriously, coupling two personal sapphire cards is a good choice.
To learn more, see our full review of Chase Sapphire Preferred and Chase Sapphire Reserve.
Apply here: Chatong Sapphire Reserve
Apply here: Chase Sapphire’s preferred card
