Can I apply for Chase Sapphire Reserve and Sapphire Reserve for Business at the same time?
Chase’s premium Sapphire collection includes personal and business options: Chase Sapphire Reserve® (See Rates and Fees) and Chase Sapphire Business Reserve℠ (See Rates and Fees).
Together, they form the backbone of Chase’s top travel rewards products.
Importantly, Chase allows cardholders to hold both a personal Sapphire card and a business Sapphire card. This means two Reserve cards can share a spot in your wallet, which prompts a common question: Can you apply for both cards at the same time and get both welcome offers?
although it yes Being able to hold both cards at the same time, approval and bonus eligibility depend on a few key rules and timing considerations. Here’s what you need to know before applying.
How do sapphire reserves compare to sapphire commercial reserves?
Although Sapphire Reserve and new Sapphire Commercial Reserve Sharing a name and $795 annual fee, they’re designed for different cardholders and offer different ways to earn and maximize rewards.
Both cards include premium travel benefits, such as $300 in annual travel credits, access to Chase Sapphire and Priority Pass lounges, and increased Points Boost redemption rates through Chase Ultimate Rewards. But the main difference is how points are earned.
Perfect for foodies and frequent travelers, the Personal Sapphire Reserve earns 3 points per $1 on dining, 4 points per $1 on flights and hotels booked directly with airlines, 5 points per $1 on Lyft (through September 2027), and 8 points per $1 on all Chase Travel purchases
Meanwhile, the business version is tailored for entrepreneurs and small business owners. It will earn 3 points per $1 spent on dining and drinking, and 3 points per $1 spent on social media and search engine advertising. Meanwhile, all other points earning rates are the same.
Can you get the welcome offer for both the Sapphire Reserve and Sapphire Reserve for Business cards?
Chase limits how often you can earn your welcome bonus with a Sapphire-branded personal card. If you have received a Sapphire Personal bonus within the past few years, you generally cannot receive a new Sapphire Personal bonus.
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However, commercial sapphire reserves are considered a different product than personal sapphire reserves. Therefore, the bonus eligibility rules for the Personal Sapphire Card will not prevent you from receiving the Welcome Offer for the Business Edition.
You can earn a welcome bonus on Sapphire Reserve and Sapphire Reserve for Business as long as you meet the individual eligibility requirements for each card.
Just make sure you’re also in good standing with Chase’s 5/24 rule, which may affect your chances of approval for either card. Generally speaking, this rule means that if you’ve opened five or more new cards (at any bank) in the past 24 months, you won’t be approved for a new Chase card.
RELATED: Chase Sapphire Bonus Eligibility Changes: Here’s What You Need to Know
Strategically arrange your applications
While you can apply for both cards at the same time, timing is important.
Here are some tips to increase your chances of getting approved:
- Space your applications. Applying for two premium cards on the same day may result in one being declined or marked for review. Allow a few days or weeks between applications, especially if you have recently opened other cards.
- Monitor your status 24/5. If you opened five or more credit cards (from any card issuer) in the past 24 months, you may be declined – even if you have good credit.
- Make a plan to meet the minimum spend and earn your welcome bonus. Five thousand dollars in three months and thirty thousand dollars in six months is a lot of money to spend. Before applying for either, make sure your upcoming expenses meet these thresholds.
- Know your credit standing. A good credit score, healthy income, and an existing relationship with Chase may help improve your chances of approval.
If you’re strategic about your time and spending, applying for these two cards can be a strong move, especially while these welcome offers are still available.
Related: How to Apply for a Credit Card
Should I get both Sapphire Reserve and Sapphire Business Reserve?
If you qualify for a small business credit card, having both cards can be a powerful strategy. You can use your business card for work-related travel and business expenses, while charging personal travel and dining expenses to your personal card to maximize rewards in more spending categories.
If you want to earn valuable Chase points, and maximizing your points transfer potential is a priority, then you need to make sure you have a personal Sapphire Reserve In your wallet. But if you want to separate business and personal expenses, earn powerful corporate points, and still enjoy high-value travel redemptions, Sapphire Commercial Reserve That in itself adds exceptional value.
Best of all, you can combine points from both cards into your personal Ultimate Rewards account. Doing this allows you to earn points on business purchases and then transfer them to your personal card. This makes it easier for you to manage your points and redeem them strategically.
An important note to consider: While Chase now allows cardholders to hold both a consumer Sapphire card and a business version of the card, the rules for having two personal Sapphire products are still complicated.
Chase recently updated its policy so that you can hold two Sapphire consumer products – e.g. Sapphire Reserve and Chase Sapphire Preferred® Card (See Rates and Fees). However, welcome bonus eligibility between the two Sapphire consumer products will depend on factors such as whether you have received a bonus on a Sapphire consumer product before.
Therefore, if you have previously received a Sapphire Reserve welcome bonus, you may not be eligible for a second welcome bonus with the same card, even if it has been more than 48 months.
Still, in some cases, TPG readers have reported mixed results, with some readers being denied Sapphire cards because they already had them. If you already hold Sapphire Reserve or its mid-range counterpart, Sapphire preferredremember you possible Not approved by the other party.
Related: Who should get the Chase Sapphire Reserve for Business card?
bottom line
Yes, you can apply for and hold a Chase Sapphire Reserve and a Sapphire Reserve for Business, which will enhance your ability to earn and redeem Chase Ultimate Rewards points. By leveraging each card’s strengths and applying them strategically, you’ll unlock valuable benefits and gain access to one of the most flexible rewards ecosystems available today.
We’ve seen some of the top welcome offers on both cards, and now is an ideal time to take action — especially if your travel plans and business expenses can help you meet your spending threshold. Be sure to check Chase’s eligibility rules, stay under 5/24, and plan your application carefully to get the most from this powerhouse duo.
To learn more, read our full reviews of Chase Sapphire Reserve and Chase Sapphire Reserve for Business.
Apply here: Chase Sapphire Reserve
Apply here: Chase Sapphire Commercial Reserve
