Getting two gamers into the world of factors and miles is a superb technique to shortly gather factors, stack advantages and share perks.
{Couples} who maintain the 2 Chase Sapphire private playing cards — the $95 annual payment Chase Sapphire Most popular® Card (see charges and costs) and the $795 Chase Sapphire Reserve® (see charges and costs) — might get a whole lot 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 companion able to go all-in on Chase Final Rewards? If that’s the case, this is how one can get most worth from the Sapphire Most popular and the Sapphire Reserve collectively.
Earn 2 priceless welcome bonuses
Maybe crucial motion you will take with any new rewards card is incomes the welcome bonus, since you will obtain an enormous chunk of factors from doing so. In the event you and your companion are eager about getting in on each of the Chase Sapphire playing cards, now is a superb 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 accordance with TPG’s July 2025 valuations, this provide is price $2,550 (together with the Chase Journey credit score), which makes it the perfect within the card’s historical past. In accordance with the phrases for the journey credit score, this promotional credit score is barely legitimate for one-time use. So, for those who apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining stability.
- Chase Sapphire Most popular: Earn 75,000 bonus factors after spending $5,000 within the first three months of account opening. TPG’s valuations deem this provide as price $1,538.
In the event you’re in a position to mix the worth of those two excessive bonuses, you can find yourself with 175,000 Chase factors, price a whopping $3,588 per our valuations, and a $500 Chase Journey credit score.
Think about 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, for those who’ve beforehand held a Sapphire card and earned a welcome bonus on it, you are seemingly not eligible to obtain a bonus on that product.
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In the event you presently maintain a Sapphire card, you are seemingly not eligible to obtain a bonus on the opposite. In the event you’ve beforehand held each Sapphire playing cards, you almost certainly will not be eligible for a bonus.
This is among the ways in which a two-player setup could possibly be advantageous. In case your companion has by no means held a Sapphire card, getting them concerned by making use of for the Sapphire card you do not have is an effective way for you each to earn one among these bonuses.
Additionally, keep in mind to be below Chase’s 5/24 rule any time you are making use of for a brand new card with the issuer.
Associated: The final word information to bank card software restrictions
Earn bonus factors in a number of classes
You may be eligible to earn bonus factors throughout a number of classes while you and your companion maintain each Sapphire playing cards. If you wish to maximize the classes throughout each playing cards, this is a breakdown of which one it’s best to use for every buy.
| Card | Bonus earnings |
|---|---|
| Chase Sapphire Reserve |
Word: Purchases that qualify for the annual $300 journey credit score won’t earn factors. |
| Chase Sapphire Most popular Card |
|
Usually, for those who’re reserving by Chase Journey, shopping for flights or resort rooms straight or making an eligible Peloton buy, the Sapphire Reserve is the cardboard it’s best to use. Streaming purchases and on-line grocery orders ought to go on the Sapphire Most popular. In the event you’re eating or taking a Lyft, you can go together with both card.
The Sapphire Reserve misplaced its common journey bonus class with its replace, so you possibly can now not earn 3 factors per greenback spent on all journey purchases made with the cardboard. The Sapphire Most popular has a bonus class that earns 2 factors per greenback spent on common journey, so that’s now the perfect card to make use of for these purchases.
Share lounge entry and different perks
The Sapphire Reserve expenses a a lot larger $795 annual payment than the $95 Sapphire Most popular, nevertheless it additionally consists of extra perks to assist offset it.
One of the vital helpful perks for {couples} to maximise is the Sapphire Reserve’s lounge entry, which incorporates the eight beautiful Chase Sapphire airport lounges presently open and three extra areas on the way in which.
The Sapphire Reserve cardholder will not have so as to add their companion as a licensed consumer to grant complimentary entry. That is as a result of cardholders can carry as much as two visitors per go to at no further price, so only one individual within the couple having the cardboard will get each into the lounge.
The cardboard additionally comes with a Precedence Cross membership, which grants entry to greater than 1,700 Precedence Cross lounges worldwide. Lastly, this card permits 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 licensed consumer for lounge entry for those who’re touring as a pair, it’s possible you’ll wish to pay the additional $195 licensed consumer payment to get your companion their very own Precedence Cross membership for once they journey solo.
Approved consumer spending can even depend towards the Sapphire Reserve’s versatile $300 annual journey credit score, so {couples} might maximize this extra simply in the event that they add a licensed consumer to their account.
Alongside these traces, it could be simpler to maximise the Sapphire Reserve’s Edit credit score and its a number of life-style credit when two individuals are spending on the account.
Whereas being a licensed consumer on a companion’s Sapphire Reserve should not have an effect on your capability to acquire a Sapphire Most popular, it’s possible you’ll wish to wait till after you apply for, settle for and possibly even earn the welcome bonus on the Sapphire Most popular to be added as a licensed consumer 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 Increase
Chase rolled out Factors Increase as a brand new technique to redeem factors by Chase Journey. This perk will substitute the flat redemption that allowed Sapphire Most popular 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 popular earlier than June 23, 2025, can nonetheless redeem for this unique worth till Oct. 26, 2027, as a substitute for Factors Increase.
Now, Sapphire Reserve cardholders can redeem for as much as 2 cents per level for choose lodges and flights with choose airways. Sapphire Most popular cardholders can solely obtain Factors Increase provides as much as 1.5 cents per level on choose lodges and 1.75 cents per level on flights with choose airways.
So, for those who’re hoping to redeem your Chase factors by Chase Journey, shifting factors to the Sapphire Reserve account unlocks probably the most Factors Increase 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 strong journey insurance coverage and buy safety, however the Sapphire Reserve outpaces the Sapphire Most popular when it comes to protection.
With the Sapphire Reserve, you will 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 popular comes with the identical quantity of journey interruption and cancellation protection, however you will have to attend 12 hours for journey delay protection to kick in.
Buy safety on the cardboard covers objects in opposition to theft or harm as much as 120 days out and as much as $10,000 per merchandise, which is healthier than the Sapphire Most popular’s safety cap of $500 per merchandise.
So, when you have the choice to ebook journey or make a big buy with both card, the Sapphire Reserve is the safer selection.
Associated: 7 Chase Sapphire Most popular advantages you won’t learn about
Backside line
Like the proper couple, the Chase Sapphire Reserve and the Chase Sapphire Most popular make an important pair. Having each playing cards collectively can supercharge your Chase points-earning, assist 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 possibly can capitalize on Factors Increase alternatives.
In the event you and your companion are severe about Chase factors, coupling the 2 private Sapphire playing cards is a good selection.
To be taught extra, see our full evaluations of the Chase Sapphire Most popular and the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Most popular Card
