Can I apply for both the Chase Sapphire Reserve and Sapphire Reserve for Business?
Chase recently introduced the Chase Sapphire Reserve for Business℠ (see rates and fees), a premium travel card designed for small-business owners. Meanwhile, the Chase Sapphire Reserve® (see rates and fees) — a flagship card in Chase's travel portfolio — has seen some exciting updates.
Fortunately, Chase allows cardholders to hold a personal and a business Sapphire product at the same time. That means the Sapphire Reserve and the new Sapphire Reserve for Business can share a space in your wallet, which raises a question: Can you apply for both at the same time — and earn both welcome offers?
With generous welcome offers currently on the table for these two Sapphire cards, it’s a tempting thought.
The Sapphire Reserve (personal) is offering 125,000 bonus points after spending $6,000 on purchases in the first three months of account opening.
Meanwhile, the newest Sapphire product (business) is offering a massive 200,000 bonus points after you spend $30,000 in the first six months of account opening.
So what's the catch? Yes, you can apply for both, but you'll need to navigate a few key rules and timing considerations. Let’s break it down.
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 point 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 booked directly through the airline, and 8 points per dollar on all Chase Travel purchases
Meanwhile, the business version is tailored to entrepreneurs and small-business owners. It offers 3 points per dollar spent on social media and search engine advertising, 5 points per dollar spent on Lyft (through Sept. 2027), and up to $500 in hotel credits annually when booking through The Edit by Chase Travel.
Can you earn the welcome offer on both the Sapphire Reserve and Sapphire Reserve for Business cards?
Until recently, the answer to this was "no"; however, Chase has recently updated its rules regarding bonus eligibility. Previously, you could only earn one Sapphire welcome bonus every 48 months.
Now, Chase has implemented a new time frame greater than 48 months regarding the welcome bonus. However, this rule does not apply to the business version, which is treated as a separate product.
So, yes, you can earn the welcome bonus on both cards — as long as you meet the separate eligibility requirements for each.
Just make sure you’re also in good standing under Chase’s 5/24 rule, which may affect your approval odds for either card.
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 existing relationship with Chase can all 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 but redeem them through the personal card’s full suite of transfer partners — effectively unlocking the best of both worlds.
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 more 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're not 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. So, if you already hold the Sapphire Reserve or its counterpart, the Sapphire Preferred, keep in mind that you may 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.
Apply here: Chase Sapphire Reserve
Apply here: Chase Sapphire Reserve for Business
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.