{"id":183075,"date":"2025-07-26T13:00:45","date_gmt":"2025-07-26T13:00:45","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/07\/26\/why-hold-both-the-sapphire-reserve-for-business-and-ink-business-preferred-the-points-guy\/"},"modified":"2025-07-26T13:00:45","modified_gmt":"2025-07-26T13:00:45","slug":"why-hold-both-the-sapphire-reserve-for-business-and-ink-business-preferred-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/07\/26\/why-hold-both-the-sapphire-reserve-for-business-and-ink-business-preferred-the-points-guy\/","title":{"rendered":"Why hold both the Sapphire Reserve for Business and Ink Business Preferred – The Points Guy"},"content":{"rendered":"


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The debut<\/a> of the Chase Sapphire Reserve for Business\u2120<\/a><\/span> (see rates and fees<\/a>) has added a solid new product to Chase’s business credit card<\/a> lineup. The card offers high earning rates and a wide range of travel and business statement credits \u2014 but comes with a hefty $795 annual fee.<\/p>\n

So, you may be wondering if this card is worth it, especially if you already hold another Chase business credit card like the Ink Business Preferred\u00ae Credit Card<\/a><\/span> (see rates and fees<\/a>), with a more manageable $95 annual fee. Even if you don’t have the Ink Business Preferred and have been thinking about applying for it, you could consider opening both business cards instead.<\/p>\n

Let’s explore why holding both the Sapphire Reserve for Business and the Ink Business Preferred makes sense.<\/p>\n

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Earn two welcome bonuses<\/h2>\n

Earning a large welcome bonus<\/a> on a new credit card is one of the quickest ways to amass travel rewards. That large sum of points can help fund your next trip \u2014 and it’s even better if you can earn them through two welcome offers.<\/p>\n

Currently, new cardholders of the Chase Sapphire Reserve for Business<\/a><\/span> can earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening. Meanwhile, new cardholders of the Ink Business Preferred<\/a><\/span> can earn 90,000 bonus points after spending $8,000 in the first three months from account opening.<\/p>\n

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So, you’d earn almost 300,000 Chase Ultimate Rewards points after meeting the minimum spending requirement and earning the two welcome bonuses. As a Chase enthusiast, I could book several business-class flights by transferring the points to airline partners for maximum value<\/a>.<\/p>\n

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Pool your points<\/h2>\n

Cardholders can combine their points to further maximize value<\/a> by having both the Ink Business Preferred<\/a><\/span> and Sapphire Reserve for Business<\/a><\/span>.<\/p>\n

Ink Business Preferred cardholders can redeem their points for up to 1.75 cents through the Chase Travel\u2120 portal; however, as a cardholder of the more premium Sapphire Reserve for Business, you can redeem your points for up to 2 cents per point using Points Boost<\/a> instead.<\/p>\n

Related: Family points pooling: How to transfer and maximize your rewards<\/a><\/strong><\/p>\n

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Maximize your credit line<\/h2>\n

The Ink Business Preferred<\/a><\/span>, like most credit cards, gives cardholders a credit limit<\/a> that determines how much you can spend on the card monthly<\/a>.<\/p>\n

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However, there can be times when your credit limit may not be enough. In this situation, the Chase Sapphire Reserve for Business<\/a><\/span> is a good choice, because it offers a revolving credit limit and<\/em> a flexible payment option.<\/p>\n

You can take advantage of Flex for Business, a revolving credit line that enables payments over time with interest. This gives you flexibility for occasional large purchases that might exceed your Ink Business Preferred credit limit.<\/p>\n

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Take advantage of complementary earning rates<\/h2>\n

The Chase Sapphire Reserve for Business<\/a><\/span> bonus-earning categories are centered around travel:<\/p>\n