The best way to mix the Sapphire Most well-liked and Sapphire Reserve

Getting two gamers into the world of factors and miles is a wonderful strategy to shortly gather factors, stack advantages and share perks.

{Couples} who maintain the 2 Chase Sapphire private playing cards — the $95 annual charge Chase Sapphire Most well-liked® Card (see charges and charges) and the $795 Chase Sapphire Reserve® (see charges and charges) — may get a variety of use out of mixing every card’s respective powers.

That is very true for the reason that Sapphire Reserve’s 2025 modifications have widened the variations between these two merchandise.

Do you each have wonderful credit score scores and good monetary habits? Are you and your associate able to go all-in on Chase Final Rewards? In that case, here is how one can get most worth from the Sapphire Most well-liked and the Sapphire Reserve collectively.

Earn 2 priceless welcome bonuses

Maybe crucial motion you may take with any new rewards card is incomes the welcome bonus, since you may obtain an enormous chunk of factors from doing so. For those who and your associate are fascinated by getting into on each of the Chase Sapphire playing cards, now is a wonderful time to use. The bonuses are excessive in comparison with their provide historical past.

• Chase Sapphire Reserve: Earn 100,000 bonus factors plus a $500 Chase Journey℠ promo credit score after spending $5,000 on purchases within the first three months of account opening. In keeping with TPG’s July 2025 valuations, this provide is value $2,550 (together with the Chase Journey credit score), which makes it one of the best within the card’s historical past. In keeping with the phrases for the journey credit score, this promotional credit score is simply legitimate for one-time use. So, in case you apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining steadiness.
• Chase Sapphire Most well-liked: Earn 75,000 bonus factors after spending $5,000 within the first three months of account opening. TPG’s valuations deem this provide as value $1,538.

For those who’re capable of mix the worth of those two excessive bonuses, you might find yourself with 175,000 Chase factors, value a whopping $3,588 per our valuations, and a $500 Chase Journey credit score.

Take into account your eligibility

With the Sapphire Reserve’s replace got here a change in Chase’s bonus eligibility necessities.

Whereas now you can maintain each Sapphire playing cards, in case you’ve beforehand held a Sapphire card and earned a welcome bonus on it, you are doubtless not eligible to obtain a bonus on that product.

For those who at the moment maintain a Sapphire card, you are doubtless not eligible to obtain a bonus on the opposite. For those who’ve beforehand held each Sapphire playing cards, you almost certainly will not be eligible for a bonus.

This is likely one of the ways in which a two-player setup may very well be advantageous. In case your associate has by no means held a Sapphire card, getting them concerned by making use of for the Sapphire card you do not have is a good way for you each to earn certainly one of these bonuses.

Additionally, bear in mind to be underneath Chase’s 5/24 rule any time you are making use of for a brand new card with the issuer.

Associated: The last word information to bank card utility restrictions

Earn bonus factors in a number of classes

You may be eligible to earn bonus factors throughout a number of classes whenever you and your associate maintain each Sapphire playing cards. If you wish to maximize the classes throughout each playing cards, here is a breakdown of which one it is best to use for every buy.

Typically, in case you’re reserving by Chase Journey, shopping for flights or lodge rooms instantly or making an eligible Peloton buy, the Sapphire Reserve is the cardboard it is best to use. Streaming purchases and on-line grocery orders ought to go on the Sapphire Most well-liked. For those who’re eating or taking a Lyft, you might go along with both card.

The Sapphire Reserve misplaced its normal journey bonus class with its replace, so you’ll be able to not earn 3 factors per greenback spent on all journey purchases made with the cardboard. The Sapphire Most well-liked has a bonus class that earns 2 factors per greenback spent on normal journey, so that’s now one of the best card to make use of for these purchases.

Associated: Chase Sapphire Most well-liked vs. Sapphire Reserve: With new modifications in impact, which card is finest for you?

Share lounge entry and different perks

The Sapphire Reserve prices a a lot larger $795 annual charge than the $95 Sapphire Most well-liked, however it additionally contains extra perks to assist offset it.

Probably the most helpful perks for {couples} to maximise is the Sapphire Reserve’s lounge entry, which incorporates the eight attractive Chase Sapphire airport lounges at the moment open and three extra areas on the way in which.

The Sapphire Reserve cardholder will not have so as to add their associate as a certified person to grant complimentary entry. That is as a result of cardholders can carry as much as two friends per go to at no extra price, so only one individual within the couple having the cardboard will get each into the lounge.

The cardboard additionally comes with a Precedence Move membership, which grants entry to greater than 1,700 Precedence Move lounges worldwide. Lastly, this card allows you to get into over 20 Air Canada Maple Leaf lounges when touring on a Star Alliance airline.

When you will not want so as to add a certified person for lounge entry in case you’re touring as a pair, you could wish to pay the additional $195 approved person charge to get your associate their very own Precedence Move membership for once they journey solo.

Licensed person spending may even depend towards the Sapphire Reserve’s versatile $300 annual journey credit score, so {couples} may maximize this extra simply in the event that they add a certified person to their account.

Alongside these traces, it could be simpler to maximise the Sapphire Reserve’s Edit credit score and its a number of way of life credit when two individuals are spending on the account.

Whereas being a certified person on a associate’s Sapphire Reserve should not have an effect on your potential to acquire a Sapphire Most well-liked, you could wish to wait till after you apply for, settle for and possibly even earn the welcome bonus on the Sapphire Most well-liked to be added as a certified person on the Sapphire Reserve, simply to be secure.

Associated: 5 methods to make sure you have lounge entry earlier than your subsequent flight

Transfer factors to maximise Factors Enhance

Chase rolled out Factors Enhance as a brand new strategy to redeem factors by Chase Journey. This perk will exchange the flat redemption that allowed Sapphire Most well-liked cardholders to redeem for 1.25 cents per level and Sapphire Reserve cardholders to redeem for 1.5 cents per level by the portal.

Cardholders who held or utilized for the Sapphire Reserve or the Sapphire Most well-liked earlier than June 23, 2025, can nonetheless redeem for this authentic worth till Oct. 26, 2027, as an alternative choice to Factors Enhance.

Now, Sapphire Reserve cardholders can redeem for as much as 2 cents per level for choose lodges and flights with choose airways. Sapphire Most well-liked cardholders can solely obtain Factors Enhance gives as much as 1.5 cents per level on choose lodges and 1.75 cents per level on flights with choose airways.

So, in case you’re hoping to redeem your Chase factors by Chase Journey, shifting factors to the Sapphire Reserve account unlocks essentially the most Factors Enhance alternatives.

{Couples} can transfer factors into one another’s Final Rewards account in the event that they’re in the identical family.

Associated: How (and why) to mix your Chase Final Rewards factors right into a single account

Get the best ranges of journey and buy protections

Each playing cards have stable journey insurance coverage and buy safety, however the Sapphire Reserve outpaces the Sapphire Most well-liked by way of protection.

With the Sapphire Reserve, you may obtain journey interruption and cancellation protection of as much as $10,000 per coated traveler and $20,000 per journey. Plus, journey delay protection kicks in after six hours.

The Sapphire Most well-liked comes with the identical quantity of journey interruption and cancellation protection, however you may have to attend 12 hours for journey delay protection to kick in.

Buy safety on the cardboard covers gadgets towards theft or injury as much as 120 days out and as much as $10,000 per merchandise, which is best than the Sapphire Most well-liked’s safety cap of $500 per merchandise.

So, you probably have the choice to e-book journey or make a big buy with both card, the Sapphire Reserve is the safer alternative.

Associated: 7 Chase Sapphire Most well-liked advantages you may not learn about

Backside line

Like the proper couple, the Chase Sapphire Reserve and the Chase Sapphire Most well-liked make an amazing pair. Having each playing cards collectively can supercharge your Chase points-earning, enable you to gather two massive welcome bonuses and unlock a set of advantages for each of you.

Plus, there’s extra worth to be unlocked with the power to maneuver factors over to the Sapphire Reserve account, since you’ll be able to capitalize on Factors Enhance alternatives.

For those who and your associate are severe about Chase factors, coupling the 2 private Sapphire playing cards is a good alternative.

To study extra, see our full opinions of the Chase Sapphire Most well-liked and the Chase Sapphire Reserve.

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