Why I’m Doubling Up on Chase Sapphire Reserve Cards

Core Insights - The Chase Sapphire Reserve® and the Sapphire Reserve for Business℠ are prominent credit cards known for their rewards and benefits, appealing to frequent travelers and business owners [1][4]. Summary by Sections Welcome Bonus - The Chase Sapphire Reserve Business card offers a substantial welcome bonus of 200,000 points after spending $30,000 in the first 6 months, valued at approximately $4,000 [2][5]. Card Features - The Chase Sapphire Reserve Business card is tailored for business owners who travel frequently, providing premium perks and benefits [4][6]. - The card has an annual fee of $795 and a variable APR ranging from 18.24% to 26.24% [5][8]. Rewards Structure - Both cards offer similar rewards for Chase Travel purchases, earning 8x points, and 4x points on flights and hotels booked directly [19]. - The Chase Sapphire Reserve card provides 3x points on dining, while the Business card offers 3x points on social media and search engine advertising [21][19]. Annual Credits - The Chase Sapphire Reserve card includes various annual credits, such as a $300 travel credit and a $500 hotel credit through The Edit, which can be utilized effectively by cardholders [16][11]. - Starting January 1, 2026, the hotel credit will no longer have a biannual requirement, simplifying its use [15]. Travel and Purchase Protections - Both cards offer extensive travel and purchase protections, including trip cancellation insurance, lost luggage reimbursement, and purchase protection [23][26]. - The travel protections are nearly identical, ensuring coverage for both personal and business expenses [23]. Combined Benefits - Holding both cards allows for the pooling of rewards, maximizing the value of credits and points earned across personal and business expenses [22][20]. - The ability to separate expenses for tax purposes while still earning rewards is a significant advantage for business owners [18][20]. Conclusion - The combination of the Chase Sapphire Reserve and the Sapphire Reserve Business cards provides substantial value through rewards, credits, and protections, making it a strategic choice for frequent travelers and business owners [25][24].