Why I’m Doubling Up on Chase Sapphire Reserve Cards (Personal and Business)

The Chase Sapphire Reserve^® and the Sapphire Reserve for Business℠ are 2 heavy hitters in the world of credit card rewards, thanks to the combination of rewards and benefits they offer cardholders.

At first glance, you might notice that the 2 cards have some similarities and overlap. Despite already having the Chase Sapphire Reserve card, you may be surprised that I’m considering adding the Chase Sapphire Reserve Business card to my wallet.

It’s fair to ask why, so here are my reasons why I think it could be worthwhile for me to hold both cards.

Huge Welcome Bonus Offer

I’d be lying if I said the welcome bonus offer on the Chase Sapphire Reserve Business card wasn’t a factor in deciding whether to add the card to my wallet:

• Earn 200,000 points after you spend $30,000 on purchases in your first 6 months.

Put simply, that is a massive welcome bonus offer, which we value at $4,000.

NEW OFFER

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

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Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

18.24% - 26.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: 18.24% - 26.24% Variable
• Foreign Transaction Fees: None

I already have the Chase Sapphire Reserve card, but here’s the latest introductory bonus offer, rewards, and benefit information:

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

With this huge influx of Chase Ultimate Rewards points, I could then make good use of some of my favorite Chase transfer partners like Air Canada Aeroplan, Air France-KLM Flying Blue, and Virgin Atlantic to book business class tickets to virtually anywhere in the world I’d like to visit, and World of Hyatt to book myself a luxury hotel stay while I’m there.

Double Up on Annual Credits

Part of the reason why the Chase Sapphire Reserve card offers excellent value to me each year is the numerous annual statement credits it comes with, many of which are quite easy for me to use and that effectively function as cash.

Fortunately, the Chase Sapphire Reserve Business card shares many of these credits as well, allowing me to double-dip on the value that I receive. Some of the credits I value most include:

• $300 annual travel credit that can be applied toward purchases of flights, hotels, car rentals, cruises, and more
• $500 annual credit for hotel stays with The Edit by Chase Travel, delivered in 2 $250 biannual credits from January through June and again from July through December for prepaid bookings (2-night minimum stay required)
• $120 in annual Lyft in-app credits, up to $10 monthly
• $300 annually in monthly DoorDash promos ($5 restaurant credit and 2 $10 nonrestaurant credits)

For those who travel often, receiving a second $300 travel credit is as good as cash. I often use this credit almost immediately when it becomes available at the beginning of each year.

The up-to-$500 annual credit for hotel stays booked through The Edit would be quite useful for me as well, as it not only comes with a statement credit but gives perks like daily breakfast for 2, a $100 property credit, and a room upgrade and late checkout (if available).

Even though it is broken into 2 $250 biannual credits and requires a 2-night minimum stay, I could book a 2-night stay at a property to use the $250 credit from my Chase Sapphire Reserve card and a second 2-night stay at the same property to use my $250 credit from my Chase Sapphire Reserve Business card, resulting in a total of $500 off a 4-night stay. Of course, I could then do the same thing for my second set of biannual credits or break them up as I see fit.

Starting January 1, 2026, Chase is making it even easier to use this credit by removing the “biannual” requirement. That means you can book hotel stays without waiting until the new credit kicks in on July 1.

While other credits for the likes of DoorDash and Lyft vary in usefulness, I live in a big city, so it would be fairly easy for me to get full use of these credits each month. Of course, your mileage may vary.

That said, while these are the credits that overlap, the Chase Sapphire Reserve Business card comes with a handful of other credits that could be useful, like a $200 annual Google Workspace credit, a $120 Global Entry, TSA PreCheck, or NEXUS credit every 4 years, and $100 in Giftcards.com credit, delivered in 2 $50 biannual credits.

Separate Personal and Business Purchases, Combined Rewards

As a business owner, one of the main reasons to have both a personal and a business credit card is to help keep your expenses separate, making things easier for you when it comes time to file your taxes.

Given that, holding both the Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card could make sense for me, given their respective earning structures:

As you can see, there is quite a bit of overlap between the 2 cards when it comes to purchases made through Chase Travel, Lyft rides, and flights and hotels booked directly.

This works out great for me because it ensures that, regardless of whether I’m traveling for business or pleasure, I can separate these expenses by card for tax purposes and still earn the same number of points.

That said, the 2 cards are completely identical, as they each offer a unique bonus category, which is 3x points on worldwide dining on the Chase Sapphire Reserve card and 3x points on social media and search engine advertising purchases on the Chase Sapphire Reserve Business card. These are both very useful bonus categories for me, and ones that I would certainly miss out on if I held just one card over the other.

Better yet, even though I’d be separating my expenses between the cards, all of the Chase Ultimate Rewards points I’d earn across these accounts could be pooled together at any time I’d like. This ensures that, effectively, my expenses across both cards are always going toward the same pool of points, and I can then make use of the Chase transfer partners to book luxury travel experiences for far less than it would have cost otherwise.

Same Great Travel and Purchase Protections

Not only would I earn travel rewards on both personal and business travel that I could then pool together, I’d also receive the same great travel and purchase protections, regardless of whether my travel or the products are personal or business expenses.

This is because the travel protections offered on both the Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card are nearly identical:

• Auto rental coverage: When you decline the rental company’s insurance policy and pay with your card, you can receive reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad.
• Baggage delay insurance: Receive up to $100 per day, for up to 5 days, toward essential purchases such as toiletries and clothing when your baggage is delayed for more than 6 hours.
• Lost luggage reimbursement: Provides up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
• Roadside assistance: If you experience a roadside emergency, you can call for assistance and be covered up to $50 per incident, 4 times a year.
• Travel accident insurance: When you pay for your travel with your card, you are eligible to receive up to $1 million in accidental death or dismemberment coverage.
• Trip cancellation and interruption insurance: If your trip is canceled or cut short for a covered situation, you can be reimbursed up to $10,000 per covered traveler and up to $20,000 per trip for your prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels.
• Trip delay reimbursement: If your flight is delayed more than 6 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.

The setup is similar for the purchase protection offered on both cards, so my business purchases are covered as well, thanks to perks like:

• Extended warranty protection: This extends the manufacturer’s U.S. warranty by an additional year for eligible warranties of 3 years or less, up to 4 years from the date of purchase.
• Purchase protection: This covers new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item.
• Return protection: You can be reimbursed for eligible items that the store won’t accept within 90 days of purchase, up to $500 per item and $1,000 per 12-month period.

Final Thoughts

While it might seem like overkill to hold both the Chase Sapphire Reserve card and the Chase Sapphire Reserve Business card, there are many situations where it can make sense to hold both.

In my case, holding both cards would allow me to double up on statement credits that I receive a lot of value from, earn rewards that I can pool together for both personal and business expenses, and receive great travel and purchase protection on these purchases. Better yet, it easily pays for me to try out this 2-card setup for at least 1 year, thanks to the incredible welcome offer I’d receive on the Chase Sapphire Reserve Business card.