Can You Combine Chase Points From The Sapphire Reserve For Business With The Sapphire Reserve Or Preferred?
Combining points across Chase cards can be a strategic move to maximize both the earning and redeeming potential of your Ultimate Rewards®. Historically, Chase has only allowed you to have one Sapphire Card at a time, but soon you'll be able to hold the Chase Sapphire Reserve for Business card* (launching on June 23) and the Chase Sapphire Reserve® or Chase Sapphire Preferred® Card.
Points from Chase's new premium business card will be able to be pooled with rewards from both of these consumer cards and a few no-annual-fee cards. Here's what you need to know about combining Chase points and how it can upgrade your travel plans.
Points pros have long relied on utilizing multiple Chase cards. It's particularly lucrative with a Chase trifecta, or a combination of cards that take advantage of the highest earning opportunities and the best redemptions.
The Sapphire Reserve for Business earns 8 points per dollar on Chase Travel purchases, 5 total points per dollar spent on eligible Lyft rides (through Sept. 30, 2027), 4 points per dollar on flights and hotels booked direct, 3 points per dollar on social media and search engine advertising, 1 point per dollar on all other purchases. That's great for travel, but earning 1X at restaurants and other everyday expenses can easily be beaten by other Chase cards like the Sapphire Preferred or Freedom Unlimited—which earn 3X at restaurants.
Transferring points to the Sapphire Reserve for Business could also give them more value if used to book with the card's new Points Boost program. With Points Boost, rewards can be redeemed for up to 2X when booking select hotels and flights with Chase Travel.
Ultimate Rewards from the Sapphire Reserve for Business can also be transferred to over a dozen airline and hotel partners at a 1:1 ratio, including World of Hyatt and United Airlines MileagePlus. I regularly get double the value from my miles with points transfers like this. Moving points to the Sapphire Reserve for Business is essentially a way to give other cards access to transfer partners and Points Boost bookings.
Ultimate Rewards earned on both consumer and business Chase cards can be combined under one card. Savvy cardholders move points to the card with the most valuable redemption options, like the Sapphire Reserve for Business.
If you hold multiple Chase cards, points can be transferred from one card to another, even if you have a mix of business and consumer cards. Points can also be combined with one other person in your household as long as you share the same address.
To combine points, follow these steps:
If you plan to combine points from a Chase business card with a consumer card, you'll need to call the number on the back of your business card. Additional security verification may be needed for the initial setup.Combining points is instant. You should see the new balance reflected in both accounts in just a few moments.
Cards that earn Ultimate Rewards points can be paired with the Sapphire Reserve for Business. Top recommendations include:
The best card combinations offer earnings and benefits that have minimal overlap. Getting the Sapphire Reserve for Business and a card like the Chase Freedom Flex® or the Ink Business Cash® Credit Card allows you to earn in multiple categories while paying one annual fee.
With the launch of the Sapphire Reserve for Business, Chase has turned a page on a longstanding rule that only allowed a person to hold one Sapphire card at a time. Now you can get the Sapphire Reserve for Business and the consumer Sapphire Reserve or Preferred.
It's not for everyone, but a case could be made to pair the Sapphire Reserve for Business with the consumer Sapphire Reserve. Paying the annual fee for both means a big bill. But if you can utilize the over $2,000 in credits offered on each card, it could make sense.
While keeping your business and personal expenses separate is a good idea, you're not only allowed to combine points from the Sapphire Reserve for Business with the Sapphire Preferred or Reserve, but this can be a powerful way to maximize your rewards. Spend strategically, redeem wisely and let your points go to work for you.
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