Can I apply for both the Chase Sapphire Reserve and Sapphire Reserve for Business?
As of Jan. 22, the eligibility rules for Chase's personal Sapphire cards have changed.
Chase's premium Sapphire lineup includes both a personal and a business option: the Chase Sapphire Reserve® (see rates and fees) and the Chase Sapphire Reserve for Business℠ (see rates and fees).
Together, they form the backbone of Chase's top-tier travel rewards offerings.
Importantly, Chase allows cardholders to hold a personal and a business Sapphire card at the same time. That means both Reserve cards can share a spot in your wallet — raising a common question: Can you apply for both and earn both welcome offers?
While it is possible to hold both cards, approval and bonus eligibility depend on a few key rules and timing considerations. Here's what to know before applying.
How does the Sapphire Reserve compare to the Sapphire Reserve for Business?
While the Sapphire Reserve and the new Sapphire Reserve for Business share a name and a $795 annual fee, they're designed for different cardholders and offer distinct ways to earn and maximize rewards.
Both cards include premium travel benefits like a $300 annual travel credit, access to Chase Sapphire and Priority Pass Lounges, and enhanced Points Boost redemption rates through Chase Ultimate Rewards. But the key differences lie in how you earn points.
The personal Sapphire Reserve is a strong fit for foodies and frequent travelers, offering 3 points per dollar spent on dining, 4 points per dollar on flights and hotels booked directly through the airline, 5 points per dollar spent on Lyft (through Sept. 2027), and 8 points per dollar on all Chase Travel purchases
Meanwhile, the business version is tailored to entrepreneurs and small-business owners. It swaps earning 3 points per dollar spent on dining for 3 points per dollar on social media and search engine advertising. Meanwhile, all other point earning rates are identical.
Can you earn the welcome offer on both the Sapphire Reserve and Sapphire Reserve for Business cards?
Chase limits how often you can earn a welcome bonus on Sapphire-branded personal cards. You generally cannot receive a new Sapphire Reserve bonus if you've earned one previously.
However, the Sapphire Reserve for Business is treated as a separate product from the personal Sapphire Reserve. As a result, the bonus eligibility rules for personal Sapphire cards do not prevent you from earning the welcome offer on the business version.
As long as you meet the individual eligibility requirements for each card, you can earn the welcome bonus on both the Sapphire Reserve and the Sapphire Reserve for Business.
Just make sure you're also in good standing under Chase's 5/24 rule, which may affect your approval odds for either card. Generally, this rule means you will not be approved for a new Chase card if you've opened five or more new cards (with any bank) over the past 24 months.
Related: Chase Sapphire bonus eligibility changes: Here's what to know
Time your applications strategically
While you can apply for both cards, the timing matters.
Here are a few tips to increase your chances of approval:
- Space out your applications. Applying for two premium cards on the same day may lead to one being declined or flagged for review. Give it a few days or weeks between applications, especially if you've opened other cards recently.
- Monitor your 5/24 status. If you've opened five or more credit cards in the past 24 months (from any issuer), you'll likely be denied—even if you have excellent credit.
- Create a plan to meet the spending minimums and earn the welcome bonuses. Five thousand dollars in three months and $30,000 in six months is a big outlay. Make sure your upcoming expenses align with those thresholds before applying for both.
- Know your credit profile. A strong credit score, healthy income and an existing relationship with Chase may help improve your approval odds.
If you're strategic about your timing and spending, applying for both cards can be a powerful move, especially while these welcome offers are still available.
Related: How to apply for a credit card
Should I get both the Sapphire Reserve and the Sapphire Reserve for Business?
If you qualify for a small-business credit card, holding both cards can be a powerful strategy. You could use the business card for work-related travel and business expenses, while putting personal travel and dining expenses on the personal card, maximizing rewards across more spending categories.
If you want access to valuable Chase points and maximizing point transfer potential is a top priority, you'll want to make sure you have the personal Sapphire Reserve in your wallet. But if you're looking to separate business and personal expenses, access robust business credits, and still enjoy high-value travel redemptions, the Sapphire Reserve for Business adds exceptional value in its own right.
Best of all, you can combine points from both cards in your personal Ultimate Rewards account. Doing so allows you to earn points through business purchases and then transfer them to your personal card. This can make it easier to manage your points and redeem them strategically.
One important note to consider: While Chase now allows cardholders to hold a consumer Sapphire card and the business version at the same time, the rules for having two personal Sapphire products remain complicated.
Chase recently updated its policy so that you can hold two Sapphire consumer products — like the Sapphire Reserve and the Chase Sapphire Preferred® Card (see rates and fees). Welcome bonus eligibility between two consumer Sapphire products, however, will be based on factors like whether you've previously earned a bonus on a consumer Sapphire product before.
So, if you've previously earned a Sapphire Reserve welcome bonus, you may not be eligible to receive a second welcome bonus on this same card, even if it has been more than 48 months.
Still, in some cases, TPG readers have reported mixed results, with some being denied a consumer Sapphire card on the basis that they already hold one. If you already hold the Sapphire Reserve or its mid-range counterpart, the Sapphire Preferred, keep in mind you might not be approved for the other.
Related: Who should get the Chase Sapphire Reserve for Business card?
Bottom line
Yes, you can apply for and hold both the Chase Sapphire Reserve and the Sapphire Reserve for Business — and doing so can supercharge your ability to earn and redeem Chase Ultimate Rewards points. By leveraging each card's strengths and applying strategically, you'll unlock valuable perks and access one of the most flexible rewards ecosystems available today.
With some of the highest welcome offers we've seen on both cards, now is an ideal time to act — especially if your travel plans and business expenses can help you meet the spending thresholds. Just be sure to review Chase's eligibility rules, stay under 5/24 and plan your applications carefully to get the most from this powerful duo.
To learn more, read our full reviews of the Chase Sapphire Reserve and Chase Sapphire Reserve for Business.
Apply here: Chase Sapphire Reserve
Apply here: Chase Sapphire Reserve for Business
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