Why the Chase Sapphire Reserve and Ink Business Preferred combo is perfect for traveling couples


The Chase Sapphire Reserve® and Ink Business Preferred® credit cards are two of our favorite travel rewards cards. Most travelers only get one of the cards, but some families are thought to have both.

In particular, some couples may benefit from one partner receiving Chase Sapphire Reserve and the other receiving Ink Business Priority. These cards can make a perfect combination for couples who sometimes travel alone or who use travel providers that require travelers to use a credit card in their name when booking travel. Here’s why.

Credit Card Offers

Both the Chase Sapphire Reserve and the Ink Business Preferred offer valuable benefits. Here’s a quick overview of the two cards:

Chase Sapphire Reserve The first choice for ink business
Sign up bonus Earn 75,000 bonus points when you spend $4,000 in purchases within the first three months of account opening Earn 100,000 bonus points after spending $8,000 within three months of account opening
rate of return Earn 10 points for every $1 you spend on hotels and car rentals with Chase Travel℠ (on the first $300 spent on travel purchases each year)

Earn 10 points for every $1 spent when you shop at Chase Dining with Ultimate Rewards

Earn 5 points for every $1 spent when you purchase flights with Chase Travel (after the first $300 spent on travel purchases per year)

Earn 3 points per $1 spent on other travel (first $300 spent on travel per year)

Earn 3 points per dollar spent at other restaurants, including eligible delivery services, takeout and dining out

Earn 1 point per $1 on all other purchases

Earn 3 points per dollar spent on the first $150,000 in combined purchases per account anniversary year in the following categories: transportation purchases, travel, ad buying

Earn 1 point per $1 on all other purchases

Redemption rates for travel through Chase Ultimate Rewards. 1.5 cents per point 1.25 cents per point
Annual travel points $300 not any
annual fee $550; $75 per licensed user $95; no additional charge for employee cards

Both cards also offer valuable travel insurance, including trip delay compensation, baggage delay coverage, lost baggage compensation, and trip cancellation and interruption coverage.

However, the travel insurance provided by Sapphire Reserve is slightly better. For example, if you use Ink Business Preferred to pay for a public airline fare, trip delay compensation requires a 12-hour (or overnight) delay. By comparison, if you pay with Chase Sapphire Reserve, there’s only 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 may consider obtaining Chase Sapphire Reserve and paying an additional $75 annual fee to add your partners as authorized users.

After all, Chase Sapphire Reserve authorized users get a card in their name, including standard earn rates and travel insurance when using the card, as well as Priority Pass Select membership.

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But by paying a slightly higher comprehensive annual fee, your partners can get priority for their own ink business. They need to qualify for a small business card, but many hobbies and side hustles can qualify you for a small business card.

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The Ink Business Preferred’s current sign-up bonus—100,000 bonus points after you spend $8,000 in purchases within the first three months of account opening—is certainly attractive. According to TPG’s valuation, the bonus is worth approximately $2,050.

By getting and keeping both cards, you’ll also get two sets of Chase benefits. And if one of your cards is stolen while traveling together, you’ll have two separate accounts that can make good money on your travel purchases.

RELATED: Why You Should Carry a Backup Credit Card When Traveling

Transfer rewards between accounts

You may be worried that one negative side effect of having multiple Chase cards for you and your partner is that your points will be split up. But Chase allows you to combine Chase Ultimate Rewards points with “another Chase card with Ultimate Rewards that belongs to you or a family member or business owner.”

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So if your partner is a family member, you can combine points. This is especially important if you want to redeem points for travel through Chase Travel, as the redemption rate for a Chase Sapphire Reserve account is 1.5 cents per point, which is 0.25 cents per point higher than the redemption rate when you redeem through Ink Corporate Preferred account.

But it’s also useful if you plan to redeem your Ultimate Rewards points by transferring 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 one of the other family members listed as an authorized user on your Chase credit card account.”

So, if your partner needs more Air France-KLM Flying Blue Miles to book an award flight and does not have enough Ultimate Rewards points in their account, you can transfer Ultimate Rewards points from your account to theirs ( Even if they are not) authorized users on your account). They can then transfer Ultimate Rewards points to Flying Blue for redemption.

Related: How to Redeem Chase Ultimate Rewards Points for Maximum Value

alternative combinations

You may be wondering if you can swap out any of the cards in this set and still get similar benefits. Here are two alternative combinations you might consider:

Chase Sapphire Preferred Card instead of Chase Sapphire Reserve Card

You may consider purchasing the Chase Sapphire Preferred® Card instead of the Chase Sapphire Reserve Card. After all, the Chase Sapphire Preferred Card has a significantly lower $95 annual fee, no additional fees for authorized users, and earns 3 points per dollar on online grocery purchases and select streaming services.

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However, the Chase Sapphire Preferred only offers 1.25 cents per point when you redeem a trip booked through the Chase Travel portal (while the Chase Sapphire Reserve offers 1.5 cents per point). The Chase Sapphire Preferred Card earns fewer points than the Chase Sapphire Reserve on most travel.

In addition, Chase Sapphire Reserve offers Priority Pass Select membership and up to $100 in global admission (increased to $120 in October), TSA PreCheck every four years, or a Nexus application fee credit.

RELATED: Chase Sapphire Showdown: Sapphire Priority vs. Sapphire Reserve

Chase Sapphire Preferred Card replaces Ink Business Preferred

You might also consider the Chase Sapphire Preferred instead of the Ink Business Preferred, especially if you don’t qualify for a business credit card.

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Both cards offer similar travel insurance and annual fees. The Chase Sapphire Preferred also offers some additional bonus categories for hotel stays purchased through Chase Travel, as well as up to $50 in statement credits per account anniversary year.

However, if you choose the Chase Sapphire Preferred instead of the Ink Business Preferred, you’ll miss out on the Ink Business Preferred bonus category. In particular, you’ll earn less on most travel purchases.

RELATED: Why I Chose the Ink Business Over the Chase Sapphire Reserve

bottom line

The Chase Sapphire Reserve and Ink Business Preferred card combo is a great option for couples who travel frequently. In particular, this combination works best for couples who sometimes travel alone and often need to book travel with a card in their own name.

However, some couples may get better value by having a backup card combination or simply opening a card account and adding authorized users. So when deciding on your credit card strategy, consider how you’ll use your credit card and redeem rewards.

Related: How to Complete a Chase Business Credit Card Application


Apply here: Chase Sapphire Reserve or Ink Business Preferred




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