this Chase SapphireReserve® (See rates and fees) and the Ink Business Preferred Credit Card are two of our favorite travel reward cards. Most travelers can only get one of these cards, but some families can have both.
Now with the launch Chase Sapphire Reserve for Business- (See rates and fees), there is another competitor, bonuses and valuable stated credits that are impressive.
In particular, some couples may benefit from one person who gets a sapphire reserve card, while the other couple prefers the ink business. These cards can form the perfect combination of couples who sometimes travel separately or want to maximize their ability to earn points.
This is why holding a sapphire reserve or providing a business with an ink business preferred card may be beneficial to a couple.
The preferred information for ink business is collected independently by partners. The card details on this page have not been reviewed or provided by the card issuer.
Save costs
If you want to register Sapphire Conservation Areayou can consider paying an additional $195 to add you as an authorized user’s partner. Alternatively, by choosing to pay a lower $95 annual fee, your partner can get their own preferred card for the ink business. Of course, they need to be eligible for a small business card – but many hobbies and side hustle can qualify for a small business card, such as crafts on Etsy or a freelance photographer job.
You can also choose to apply Commercial sapphire reserves Instead of the sapphire reserve. If your partner prefers the ink business, you will need yours My own Come with hustle or business – or they can apply for the card and add you as an authorized user to their ink business at no extra cost.
Related: The Power of Chase Trifecta: Maximize your revenue with 3 cards
Take advantage of complementary income rates
The Sapphire Reserve was refreshed in June and lost the ability to earn 3 points per dollar when traveling purchases (new cardholders are effective immediately; cardholders applying before June 23 starting October 26). Since Chase broadly defines travel, purchases like Airbnbs, Car Rentals, and Taxis no longer receive reward points.
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Both Sapphire Conservation Area and Commercial sapphire reserves Earn 8 points per dollar on all Chase Travel℠ purchases, while directly booked flights and hotels earn 4 points per dollar.
This provides couples with an opportunity to truly maximize Chase Chase Ultimate Rewards points. A person can use a sapphire reserve card to pay for hotel and flight purchases, earning up to 8 points per dollar. Meanwhile, other travel expenses, such as car rental and parking fees, will be preferred for the ink business.
Related: Why You Should Carry a Backup Credit Card While Traveling
Earn two welcome bonuses
Getting a large amount of welcome bonuses on a new credit card is one of the fastest ways to accumulate travel rewards. A large number of points can help you with your next trip.
If you apply Commercial sapphire reserves Prioritize the ink business, and you can earn up to 290,000 bonus points after meeting the minimum spending requirements per card. Otherwise, if you choose to apply Sapphire Conservation Area In addition to the first choice for ink business.
Chase points are transferred to some valuable partners, including Air Canada and Hyatt World. For example, you can fly Union Business Class to Australia with 100,000 Aeroplan points in one direction.
Related: 5 reasons to get the ink chase business priority
Combined with rewards between accounts
You may be worried that the downside of having multiple chase cards for you and your partner is that you will have a separate point balance. Fortunately, Chase allows you to combine Chase Ultimate Rewards points with family members.
Cardholders who prefer ink business can redeem points up to 1.75 cents through Chase Travel; however, as a sapphire reserve cardholder, you can redeem points of 2 cents per point through point boosts.
By adopting a mixing and matching method, the preferred transfer of points earned on the ink business to a partner’s reserve card can maximize the chase trip redemption.
The combination between points is also useful if you plan to redeem your final reward points by transferring to Chase’s 14 transfer partners (October 16, Amirates Skywards Loss), then it’s also useful to put the combination between points.
Related: Chase the Ultimate Reward Points: How to Redeem Maximum Value
Alternative combination
You might be wondering if you can replace any card in this combo and still get similar benefits. Here are two alternative combinations you might consider:
Sapphire prefers sapphire reserves
You might consider Chase Sapphire Priority® Card (See rates and fees) Its annual fee of $95 is significantly lower.
The card has a competitive revenue rate of 3 points per dollar in dining (including qualified delivery services), online grocery purchases (excluding Walmart, Target and Wholesale Clubs) and featured streaming services, as well as all trips (except for chase travel purchases).
You can do all your travel purchases on the Ink Business Preferred Card, while Sapphire Preferred can place all your travel purchases the same as your preferred ink business, while Sapphire Preferred can be used for chase travel, dining and online grocery shopping.
This combination is perfect for couples who don’t want to pay over $800 in annual fees but still earn bonus points in multiple categories.
Related: Chase Sapphire Preferred and Sapphire Reserve: There are new changes, which card is best for you?
Sapphire prefers to ink business
You may also consider getting Sapphire prefers Instead of the ink business, especially if you are not eligible for a business credit card.
The positive aspect of sapphire preference is the ability to earn bonus points on more categories including online grocery purchases and featured streaming services. Ink Business Preferred has several reward categories, but if you only have one show, the reward points for these categories will be minimal if these categories apply to you.
Sapphire Preference can still earn bonus points on all trips, but at a slightly lower speed per dollar.
Related: Why You May Want Ink Business to Like More Than Chase Sapphire Reserve
Bottom line
this Sapphire Conservation Area or Commercial sapphire reserves For the ink business, the preferred card combination is a good choice for couples who travel frequently. This is the best for couples who sometimes travel separately and want to effectively win a travel spot.
However, some couples may get better value from a standby card combination or simply opening a card account and adding an authorized user. So consider how to use the card and redemption plan when deciding on your credit card strategy.
To learn more, read our full review of Sapphire Reserves, Sapphire Reserves, in the business and ink business.
Apply here: Sapphire Conservation Area
Apply here: Commercial sapphire reserves
