The only thing better than developing a strong point strategy for yourself is to join forces with your important people for more rewards.
Design credit card strategies as a pair Can help you earn more points and miles across the board and allow you to maximize your privileges and other benefits. All these plans will come in handy when it is necessary to get on the road.
Assume you have Excellent credit And being financially responsible – i.e., you won’t spend more than your budget, or carry a balance to zero in on any rewards you accumulate – it is often recommended to diversify your reward credit card.
However, as a couple, Specific flexible loyalty programs and whether credit card issuers mean to expand your reward capabilities.
One situation of such a good move is to obtain Chase Sapphire Priority® Card (look Rates and fees)and Chase SapphireReserve® (look Rates and fees). Here’s the benefit of doing this – if you choose to go this route, how to maximize each card.
Great bonus, more points
The first and most important reason to consider Apply for these two cards Now is to win their current welcome bonus.
New Chase Sapphire’s first choice Cardholders can earn the highest offer of 100,000 points ever after spending $5,000 in the first three months of opening.
Meanwhile, new Chatong Sapphire Reserve Cardholders spent $5,000 in the first three months of opening and earned 60,000 points.
You might think that every member of a couple should get a sapphire preferred to avoid paying the $550 annual fee for Chase Sapphire Reserve. This may work if you want points that are quick to use with Chase Ultimate Rewards Partners.
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But in this way, you might miss out on some of the serious value that the sapphire reserve offers.
Qualification Requirements
However, before we resolve this issue, you also need to make sure you are eligible for one or the other of these cards.
Both cards’ application pages say:
If you don’t have any sapphire cards and have not received any new card bonuses for any sapphire cards in the past 48 months, this product is available for you.
So if you or your partner currently owns one of these sapphire cards, that person may not be eligible for these offers. However, if one of you has one card, the other card can still apply for another one now.
Thinking of your credit card application as a couple will also help you stay Chase’s 5/24 rule. If you have been actively applying for many Credit card bonus We have seen recently that you may have imposed a ceiling chase on applicants.
If you have opened five or more new accounts in the past 24 months, Chase is likely to reject your application.
However, if your significant other remains are below that threshold, getting them to apply for one of the cards is a great way to keep points rolling.
Expand your reward value
In addition to using only two credit cards instead of one, just take out more ultimate reward points. Chase Sapphire’s first choice and Chatong Sapphire Reserve In your points family, the family greatly improves the potential value of your perspective.
Chase the ultimate reward The points earned with these two cards can also be transferred to the program. 11 airlines and three hotel partners At the same 1:1 rate.
What makes the card different is the redemption rate for certain travel bookings. The points obtained by Chase Sapphire Reserve are Valued at 1.5 cents When redeemed to Chase’s trip.
If you have the preferred choice for Chase Sapphire, your points are only worth 1.25 cents through Chase Travel. By transferring and eventually redeeming through the family’s Chase Sapphire reserve account, your opinion has earned 0.25 cents or 20%.
It is possible to leverage your two accounts this way, as Chase allows you Transfer points to another chase card with the ultimate reward Belongs to a family member. In other words, assuming you live with your partner, you can exchange points back and forth between accounts as needed.
In addition to putting it in a more specific environment, let’s say you apply for Chase Sapphire Preferred and earn all 100,000 bonus points.
Only Chase Sapphire is preferred in your wallet, and your points are worth $1,250 when booking a Chase Travel.
However, if a family member has a Chase Sapphire reserve, these points can be transferred to the account. If you redeem them via Chase Travel, you can increase your value to $1,500.
We recommend transferring points to partners rather than redeeming them through Chase Travel. That said, if you are looking for an easy way to use the point of view, you need to take advantage of the higher redemption rate of sapphire reserves.
Related: Better Together: The Final Guide to the Best Credit Card Combinations
Shared privileges
One of each card also allows you to share (and therefore maximize) its privileges. In some cases, it’s even worth getting people with Chase Sapphire reserves to increase their partners at $75 a year.
Doing so will not exclude authorized users from receiving welcome bonuses on any item Chase Sapphire’s first choice or Chatong Sapphire Reserve If they decide to apply for one of them.
However, for security reasons, you may need to wait until after applying and be accepted for a new card (even after receiving a welcome offer) to be added as an authorized user to add to your Chase Sapphire Reserve Account.
These two cards do have several overlapping benefits, but Chase Sapphire reserves have more advantages to make up for their annual fees.
Some of these privileges are not repeated for authorized users. For example, Chase Sapphire Reserve is purchased by both the primary cardholder and authorized user $300 Annual Travel Credit (So, there is no $300 per physical card).
Every account is eligible Global Entrance or TSA Precheck Application Statement Credit Limit up to $120 per four years. This means that authorized users will not receive their own credit.
On the other hand, Chase Sapphire Reserve Authorized Users receive certain benefits in addition to the primary cardholder, which can be very valuable if you tend to travel alone or make a purchase.
First of all, both the main cardholders and other cardholders can register for their own free Priority by selecting membership. This membership will allow them and up to two guests to visit more than 1,700 guests Airport lounge All over the world.
If both beginner and secondary users are eligible to activate their free Doordash Dashpass membership by December 31, 2027 for at least 12 months.
People with Chase Sapphire preferences are also eligible for at least 12 months of free Dashpass benefits if they are activated by December 31, 2027.
If one of you already has the preferred choice for sapphires, it may make sense to add them as authorized users in the other party’s sapphire reserve to grant them priority Pass Lounge access. Being an authorized user of sapphire reserve is one of the most affordable ways to get priority through.
Related: For authorized users, these 7 credit cards with the greatest value
Earn faster
this Chatong Sapphire Reserve Earn 3 points per dollar travel Travel in Chase* and most Catering Purchase. this Chase Sapphire’s first choice Catering also earns 3 points per dollar, but travel purchased outside of Chase Travel only earns 2 points per dollar.
So if you and your partner tend to book trips separately, it’s worth adding each other to your Chase Sapphire Reserve Account so that whenever they use those trips to purchase, they can earn extra points per dollar.
However, in most cases, it might be enough to just carry a chase sapphire reserve between the two of you and use its benefits together, and save you from unnecessarily paying $75 to add a second user to that account.
If you and your partner spend a lot of money on meals, holding two sapphire cards will allow you to earn a lot of ultimate bonus points without sharing your account.
*Travel reward points are earned after the first $300 spent on your trip each year.
Better travel and purchase protection
The ultimate reason you might want a person to get Chase Sapphire’s first choice And the other gets Chatong Sapphire Reserve It is the latter that provides better Travel and purchase protection.
Chase Sapphire Reserve offers travel interruption and cancellation coverage for up to $10,000 per person and $20,000 per trip, with travel delay coverage starting at six hours. It is Purchase protection Covering items for damages against burglary or up to 120 days, up to $10,000 per item.
Chase Sapphire’s preferred choice includes the same travel interruption and cancellation coverage, but its trip delay coverage is 12 hours instead of six. Its purchase protection amount is $500 per item, which is much lower than the upper limit of sapphire reserves.
So if you tend to pay for travel arrangements and other large purchases, put them on Chase Sapphire Reserve for more tec protection.
Bottom line
A couple can achieve cooperation in credit card strategies Increase your income and redemption potential. Few card pairings illustrate the advantages of doing so, just like the combination of Chase Sapphire Preferred and Chase Sapphire Reserves.
With each of your partnerships, you can rate their current welcome bonus quotes and balance the overall cost total while leveraging a range of benefits.
To learn more, please check out our Sapphire prefers and Sapphire Conservation Area.
Apply here: Chase Sapphire’s first choice
Apply here: Chatong Sapphire Reserve