Do any couples have 2 Chase Sapphire Reserve's?

[Tim_S]

My wife and I are both customers of Chase, (checking, savings just over 100k and she has a couple of Chase cc's) with a combined income of $260,000.  Are the travel rewards worth both of us applying for the CSR?  She travels monthly for work and we travel a couple times a year together.  Any thoughts?

[-Cal-]

I have a CSR and I had my wife get it too, we will be closing hers after the first year. 200k points and $600 in annual travel credits is nice if you can use it. 

[mongstradamus]

Before you apply for the card i would log into chase UR account and look at their airline partners. If the partners or partners of UR partners are airlines or hotels you would like to stay at or fly on then it could be worth it for that 200k UR Points.

[Noctilum]

If you were to both equally split travel/dining costs, how much a year would you spend on travel and dining each?

This article explains the break even points for the annual fee if you were to spend mainly on those two categories or none at all:

http://thepointsguy.com/2016/10/break-even-point-chase-sapphire-reserve/

The sign-up bonus and $1200 combined annual credit is worth it alone for us but one may cancel when the next annual fee comes due.  Then you'll have to decide if it's worth the inquiry or not.

[iced]

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@Corvidae wrote:

If you were to both equally split travel/dining costs, how much a year would you spend on travel and dining each?

This article explains the break even points for the annual fee if you were to spend mainly on those two categories or none at all:

http://thepointsguy.com/2016/10/break-even-point-chase-sapphire-reserve/

The sign-up bonus and $1200 combined annual credit is worth it alone for us but one may cancel when the next annual fee comes due.  Then you'll have to decide if it's worth the inquiry or not.

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Being a numbers dork, I found this to be an interesting read. Spending $3,334 a year for someone who does more than occasional travel and dining (that is, the target audience for this card in the first place) is beyond reasonable. I would think many people who plan on keeping this card after 1 year spend that much a month on travel/dining.

Why split equally with a partner though? Wouldn't it make more sense to pool as many points as possible into one account rather than divide them, beyond the $3334 required to recoup the value of the SO's card (and provided the SO does enough solo travel/dining to justify keeping the second card in the first place)? The larger pool becomes more useful to purchase bigger ticket items (first class intl tickets, for instance) than does multiple smaller pools.

Or can you transfer UR points between accounts?

[Noctilum]

The split was simply to decide if each would charge enough to the card to make its value be more than the annual fee, not to have them actually do it. I guess technically they can charge $10,000 in 1 point transactions and it would pay for the annual fee but that would be a total waste when you could do the same to a Citi Double Cash, get 2 points and no annual fee for that.

[Anonymous]

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@iced wrote:

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@Corvidae wrote:

If you were to both equally split travel/dining costs, how much a year would you spend on travel and dining each?

This article explains the break even points for the annual fee if you were to spend mainly on those two categories or none at all:

http://thepointsguy.com/2016/10/break-even-point-chase-sapphire-reserve/

The sign-up bonus and $1200 combined annual credit is worth it alone for us but one may cancel when the next annual fee comes due.  Then you'll have to decide if it's worth the inquiry or not.

---

Being a numbers dork, I found this to be an interesting read. Spending $3,334 a year for someone who does more than occasional travel and dining (that is, the target audience for this card in the first place) is beyond reasonable. I would think many people who plan on keeping this card after 1 year spend that much a month on travel/dining.

Why split equally with a partner though? Wouldn't it make more sense to pool as many points as possible into one account rather than divide them, beyond the $3334 required to recoup the value of the SO's card (and provided the SO does enough solo travel/dining to justify keeping the second card in the first place)? The larger pool becomes more useful to purchase bigger ticket items (first class intl tickets, for instance) than does multiple smaller pools.

Or can you transfer UR points between accounts?

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You can include the cards for one "member of your household" on the "Combine Points" page of your UR account, and transfer points to/from them as if they were your own cards.

[driftless]

Yes.