Why should you hold sapphire reserves be preferred for commercial and ink businesses
First appearance Chase Sapphire Reserve for Business- (See Rates and Fees) Adds a reliable new product to Chase’s commercial credit card lineup. The card offers high income rates and extensive travel and business statement credit, but charges $795 per year.
So you might be wondering if this card is worth it, especially if you already have another chasing business credit card Ink Business First Choice® Credit Card (See rates and fees), which are higher annually. Even if you don’t have an ink business and have been considering applying for ink, you can consider opening these two business cards.
Let’s explore why holding sapphire reserves is preferred for business and ink business.
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 with your next trip funding – it would be even better if you can win them with two welcome offers.
Currently, new cardholders Chase Sapphire Reserve From the first six months of opening an account, you can earn 200,000 bonus points after spending $30,000 on purchases. Meanwhile, new cardholders Ink business priority Spend $8,000 from the first three months of account opening and earn 90,000 bonus points.
So, after meeting the minimum spending requirement and winning two welcome bonuses, you will receive nearly 300,000 Chase Ultimate Reward Points. As a chase enthusiast, I can book several commercial-grade flights by transferring points to an airline partner for maximum value.
Gather your points
Cardholders can further increase value by having both points Ink business priority and Commercial sapphire reserves.
The preferred cardholder for the ink business can redeem points up to 1.75 cents through the ChaseTravel℠ portal; however, as a cardholder for higher quality sapphire reserves, you can use the point boost to redeem points of 2 cents per point.
Related: Family Points Collection: How to Transfer and Maximize Your Rewards
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Maximize your credit limit
this Ink business priorityLike most credit cards, a credit line is provided for cardholders that determines how much you can spend on your card each month.
However, sometimes your credit line may not be enough. in this case, Chase Sapphire Reserve is a good choice as it provides a rotating credit limit and Flexible payment options.
You can take advantage of Flex for Business, a circular line of credit that can be paid over time. This gives you the flexibility of occasional purchases that can exceed your ink business’s preferred credit limit.
Take advantage of complementary income rates
this Chase Sapphire Reserve The bonus reward category is travel-centric:
- Spend 8 points per dollar on a chase trip booking
- Spend 5 points per dollar on Lyft (as of September 30, 2027)
- 4 o’clock per dollar for flights and hotels booked directly
- Spend 3 points per dollar on social media and search engine advertising
- Every dollar spent on all other purchases
at the same time, Ink business priority Earn 3 points per dollar for the first batch of $150,000 spent in the following year:
- travel
- Purchase
- Internet, cable and telephone services
- Advertising purchases through social media sites and search engines
Travel purchases that are purchased on the ink business are widely defined. So you can earn 3 points per dollar for all qualified travel purchases except for all qualified travel purchases while booking directly with the operator or hotel. You can then book your trip through the portal, take direct flights and hotels, and the sapphire reserves are 8 and 4 per dollar respectively.
Consider buying social media and search engine ads on your preferred ink business until you reach a maximum of $150,000 of up to $150,000. This way, you can maintain a rotating line of credit in the Sapphire Reserve for mass purchases. Once you choose the expenditure limit for your ink business, you can continue to earn reward points in these categories through the Commercial Sapphire Reserve.
The best part is that points between two accounts can be combined, so you are winning reward points in many categories.
Related: 5 reasons to get the ink chase business priority
Why not buy these two cards
The main disadvantage of holding these two cards is the total annual fee.
this Chase Sapphire Reserve Have a very high $795 annual fee. Probably not worth paying $95 Ink business priorityespecially if you won’t take advantage of the card’s supplemental earning rate and get access to additional credit lines.
Related: How to determine if an annual fee for a credit card is worth paying
Bottom line
Carrying two chasing business credit cards can be a useful way for businesses to get more credit, giving you the flexibility of cash flow.
By carrying Ink business priorityYou can maximize the revenue rate on general travel, transportation and advertising purchases on your card. Then, Chase Sapphire Reserve It can be your business’s primary travel reward card to maximize your flight and hotel revenue, not to mention travel-related statement points.
To learn more, read our full review of our preferred choice for the ink business, as well as our full review of the sapphire reserves.
Apply here: Ink business priority
Apply here: Chase Sapphire Reserve
