The Chase Sapphire Reserve® and Ink Business Preferred® credit card are two of our favorites travel rewards card. Most travelers receive only one of these cards, but there is controversy that some households have both.
In particular, some couples can benefit when one person receives Chase Sapphire Reserve and others receive Prioritize printing ink business. These cards can form the perfect combination for couples traveling alone or using travel providers that require travelers to use a credit card in their name when booking a trip. calendar. Here’s why.
Card benefits
The Chase Sapphire Reserve And Prioritize printing ink business each offers valuable privileges. Here’s a quick overview of these two cards:
| Chase Sapphire Reserve | Prioritize printing ink business | |
|---|---|---|
| signup bonus | 60,000 bonus points after spending $4,000 on purchases in the first three months of account opening. | 100,000 bonus points after spending $15,000 on purchases in the first three months after account opening. |
| income rate | 10 points per dollar on hotels and car rentals when you purchase through Chase Ultimate Rewards (after the first $300 is spent on annual travel purchases).
10 points per dollar for Chase Dining with Ultimate Rewards. 5 points per dollar on flights when you buy through Chase Ultimate Rewards (after the first $300 is spent on annual travel purchases). 3 points per dollar on other travel (after the first $300 is spent on annual travel purchases). 3 points per dollar for other dining at restaurants, including eligible delivery, takeout, and dine-in services. 1 point per dollar for all other purchases. |
3 points per dollar over the first $150,000 spent on combined purchases in the following categories in each account anniversary year: Delivery purchases, travel, promotional purchases made with social media sites and search engines as well as internet, cable and phone services.
1 point per dollar for all other purchases. |
| Travel redemption rates through Chase Ultimate Rewards. | 1.5 cents per point. | 1.25 coins per point. |
| Annual travel credit | $300. | Do not have. |
| Annual fee | $550; $75 per authorized user. | $95; There is no additional cost for the employee card. |
Both cards also provide value travel insuranceinclude flight delay compensation, Baggage delay insurance, Lost baggage reimbursement And Trip cancellation and trip interruption insurance.
However, the Travel insurance provided by Chase Sapphire Reserve is a little better. For example, if you pay for your regular airline fare with Ink Business Preferred, a trip late refund requires a 12-hour delay (or overnight). In contrast, if you pay with Chase Sapphire Reserve, you only need a six-hour (or overnight) delay.
Related: The Power of Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited
2 is better than 1
You might consider getting Chase Sapphire Reserve and pay an extra $75 annual fee to add your partner as a partner authorized user.
At last, Authorized User of Chase Sapphire Reserve receive a card in their name, including access to standard income and travel insurance when using the card, and Priority card Choose a member.
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But by paying a slightly higher annual combined fee, your partner can get Prioritize printing ink business. They need to be qualify for a small business cardbut many hobbies and side jobs can help you qualify for a small business card.
The Ink Business Preferred’s current sign-up bonus – 100,000 bonus points after spending $15,000 on purchases in the first three months of account opening – is certainly tempting. Based Valuation of TPGThis reward is worth about $2,000.
By receiving and holding both cards, you will also gain access to two sets Chasing Offers. And you’ll have two separate accounts that make a lot of money on travel purchases if one of your cards is compromised while traveling together.
Related: Why you should carry a backup credit card when you travel
Transfer rewards between accounts
You may worry that a negative of you and your partner has many chase the card is your point will be split. But Chase allows you combined Chase Ultimate Rewards points with “another Chase card with Ultimate Rewards that belongs to you or a member of your family or the company owner.”
So you can combine your points if your partner is a family member. This is especially important if you want to redeem points for passing Chase Ultimate Rewards Gate because a Chase Sapphire Reserve account can do so at a rate of 1.5 cents per point — 0.25 cents per point higher than the rate you would get if you redeemed from an Ink Business Preferred account.
But it’s also useful if you’re going to redeem your Ultimate Rewards points by switching to one of Chase’s 14 transfer partners. After all, you can only transfer points to a “partner program account that belongs to you or another family member listed as an authorized user on your Chase credit card account.”
So if your partner needs more Flying blue point to book a reward flight and don’t have enough Ultimate Rewards points in their account, you can transfer Ultimate Rewards points from your account to theirs (even if they’re not an authorized user on the account). your account). They can then transfer their Ultimate Rewards points to Flying Blue to redeem.
Related: How to redeem Chase Ultimate Rewards points for maximum value
alternative combination
You may be wondering if you can replace either card in this combination and still get the same benefits. Here are two alternative combinations you might consider:
Chase Sapphire Preferred Card instead of Chase Sapphire Reserve
You might consider getting Chase Sapphire Preferred® Card instead of the Chase Sapphire Reserve. After all, the Chase Sapphire Preferred Card has a significantly lower annual fee of $95, charges no additional fees for authorized users, and offers 3 points per dollar on online grocery purchases, and several streaming services.
But Chasing my favorite Sapphire only yield 1.25 cents per point when you redeem it for the travel booked through Chase Ultimate Rewards Travel Portal (while the Chase Sapphire Reserve gives 1.5 cents per point). And the Chase Sapphire Preferred Card earns less points than the Chase Sapphire Reserve Card on most travel.
Plus, the Chase Sapphire Reserve offers a Priority card Choose a member and up to $100 Global Entry, Pre-check TSA or joint application fee credit every four years.
Related: Chase Sapphire Match: Sapphire Preferred vs Sapphire Reserve
Chase Sapphire Preferred Card instead of Ink Business Preferred
You might also consider getting Chasing my favorite Sapphire instead Prioritize printing ink businessespecially if you don’t qualify for a business credit card.
The two cards offer similar travel insurance and annual fees. And Chasing my favorite Sapphire offers several types of additional bonuses and up to $50 statement credit each year account for hotel stays purchased through Chase Ultimate Rewards.
However, if you choose the Chase Sapphire Preferred instead of the Ink Business Preferred, you will miss out on the Ink Business Preferred bonus categories. In particular, you will make less money buying most of the travel.
Related: Why I choose Ink Business Preferred over Chase Sapphire Reserve
bottom line
In this post, I discussed why Chase Sapphire Reserve and Prioritize printing ink business Card combo is a good choice for couples who often travel. In particular, this combination is most suitable for couples who sometimes travel separately and often need to book a trip on a card in their name.
However, some couples may get better value from an alternative card combination or simply open a card account and add a authorized user. So consider how you will use your card and redeem your rewards when deciding credit card strategy.
