“Must have” Chase cards

The other day I was working on a post detailing a first year credit card signup strategy for someone new to the points & miles game.  I didn’t finish the post because I got bogged down with the question of which Chase cards to recommend. As a result, I decided that the topic of “must-have” Chase cards required a post of its own.  This is that post.

Chase has quite a few excellent cards, but they also have the dreaded 5/24 rule.  If you have opened 5 or more cards in the past 24 months, from any bank, Chase won’t approve you for any more cards.  For that reason, anyone considering signing up for a bunch of credit cards should think seriously about starting with Chase.  I recommend getting all of the Chase cards that you want before going on to other cards.

Chase’s must-have consumer cards

Chase has quite a few great consumer credit cards.  Here are the ones that I think are contenders for our “must-have” list:

Sapphire Reserve

Sapphire Reserve vs Preferred

Chase Sapphire Reserve Card

FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom, no-fee Freedom Unlimited & no-fee Chase Ink Cash


Annual Fee: $450

Card Type: Visa Infinite

Base
Travel
Dine

Earning rate: 3X Travel and Dining

Noteworthy perks: ⚬ $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit

See also: Chase Ultimate Rewards Complete Guide

Earn 3X Ultimate Rewards points for travel & dining spend (1X everywhere else).  Points are worth 1.5 cents each when used to book travel through the Chase travel portal.  Points can also be transferred to airline and hotel partners.  Priority Pass airport lounge benefit.  $100 Global entry fee credit.  Great automatic travel protections.  $450 annual fee is partially rebated with an annual $300 travel credit.

After you have the card for a year, Chase will usually let you downgrade to either the $95 per year Sapphire Preferred card, or the no-fee Freedom card, or the no-fee Freedom Unlimited card.  If you’re thinking of cancelling the Sapphire Reserve, I highly recommend downgrading instead.  This way you can always upgrade again in the future if you find that you need the Sapphire Reserve’s features.

For more about Chase Ultimate Rewards, I highly recommend reading this post: Chase Ultimate Rewards Guide.

Sapphire Reserve alternatives:

  • Sapphire Preferred:  This one has a lower annual fee ($95) and offers free authorized user cards.  2X for travel & dining. Points are worth 1.25 cents each towards travel.  Points can be transferred to airline and hotel partners.  Very good automatic travel protections (including primary rental car collision waiver), but not as good as the Sapphire Reserve.  One of the best features of this card is that you should be able to upgrade it seamlessly to the Sapphire Reserve if you ever need the extra features of that card.
  • Ink Business Preferred: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year).  This one isn’t a great choice for dining spend, but it offers the same 3X for travel that the Sapphire Reserve offers.  Points are worth 1.25 cents each towards travel.  Points can be transferred to airline and hotel partners.  Primary rental car collision waiver is only for business travel.

Freedom Unlimited

Chase Freedom Unlimited

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Annual Fee: $0

Card Type: Visa Signature or Platinum

Base

Earning rate: 1.5X on all purchases.

See also: Chase Ultimate Rewards Complete Guide

Earn 1.5X Ultimate Rewards points everywhere. No annual fee.  This card does impose foreign transaction fees.

This is a great card to pair with the Sapphire Reserve.  Use the Sapphire Reserve only for travel, dining, and international spend.  Use the Freedom Unlimited for all other spend. Even though this card is advertised as a cash back card, it actually earns valuable Chase Ultimate Rewards points.  Move Freedom Unlimited points to your Sapphire Reserve account in order to make the points more valuable.

Freedom Unlimited alternatives:

  • Ink Business Unlimited: This card is nearly identical to the Freedom Unlimited but since it is a business card it won’t add to your 5/24 count (see “Business cards are special” later in this post).  I highly recommend picking up the Business Unlimited card instead of the Freedom Unlimited.

United Explorer

Chase United Explorer Card

FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.


Annual Fee: $95

Card Type: Visa Signature

Base
Travel
Dine
Brand

Earning rate: 2X United ⚬ 2X restaurants ⚬ 2X on hotel stays

Noteworthy perks: ⚬ Improved saver award availability ⚬ Last seat standard award availability ⚬ Free first checked bag for primary cardholder and one travel companion when you pay with the card ⚬ Priority boarding ⚬ No foreign exchange fees ⚬ 2 United Club passes per year ⚬ Primary auto rental collision damage waiver ⚬ Up to $100 Global Entry or TSA Pre-check credit ⚬ 25% back on United in-flight purchases

This is a pretty good airline card with decent airline card perks: Improved economy saver award availability; Last seat standard economy award availability; Free first checked bag for primary cardholder and one travel companion when you pay with the card (most airlines don’t require paying with the airline card for free bags, but United does require it); Priority boarding; No foreign exchange fees; 2 United Club passes per year; Primary auto rental collision damage waiver; Up to $100 Global Entry or TSA Pre-check credit; 25% back on United in-flight purchases.  $95 annual fee.

After you’ve had this card for a year, consider downgrading to the no-fee United MileagePlus card.  This no-fee card is no longer available new, but it is still available as a downgrade.  The great thing about this no-fee card is that it preserves two of the $95 card’s best features: Improved economy saver award availability, and last seat standard economy award availability.  In fact, one of the reasons I included the United Explorer card on this “must have” list was for the ability to downgrade to this no-fee card.

United Explorer Alternatives:

  • United MileagePlus Explorer Business card: This is almost identical to the consumer version of the card.  This one has the distinct advantage of being a business card so it won’t take up a 5/24 slot.  Unfortunately, I don’t think there’s a no-fee version of the business card.
  • United Club card (either personal or business version): The club card costs $450 per year and includes United Club membership.  If you would otherwise pay for United Club membership, then you might as well get this high end card instead since the annual fee is less than the usual Club membership fee.
  • Southwest cards (Plus, Premier, or Priority consumer card; Premier and Performance business cards).  These are great for their signup bonuses, especially if you use those bonuses to acquire the Southwest Companion Pass.  For everyday use, though, I don’t see a lot of value here.
  • Avios cards (Aer Lingus, British Airways, Iberia): These are good for their big signup bonuses, but not very compelling for long term use in my opinion.  Those who pay for travel often on Iberia, though, may get good use from the $1,000 discount you can earn with $30K calendar year spend.

World of Hyatt

Chase World of Hyatt Credit Card

FM Mini Review: Great card for signup bonus and annual free night. Might be worth using regularly for additional free night and as a path to status.


Annual Fee: $95

Card Type: Visa Signature

Base
Travel
Dine
Brand

Earning rate: ⚬ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ⚬ 4X Hyatt

Big spend bonus: One free Cat 1-4 night certificate after $15K spend in your cardmember year. ⚬ Get 2 elite qualifying night credits every time you spend $5K in purchases

Noteworthy perks: ⚬ Free category 1-4 night every year upon renewal ⚬ Additional free category 1-4 night after $15K spend in cardmember year ⚬ Discoverist elite status ⚬ 5 elite qualifying nights

Chase also offers Marriott and IHG hotel cards, but their Hyatt card is my favorite.  For $95 per year, you get an annual award certificate for a category 1-4 hotel.  Get another certificate after $15K annual spend.  Certificates can be used not just at Hyatt properties, but also at partnering Small Luxury Hotels of the World. Hyatt does not impose resort or destination fees on award stays.  This card is also great for those who would like to earn high level Hyatt elite status through spend.

World of Hyatt alternatives:

  • IHG Rewards Club Premier: This $89 card includes strong earnings at IHG properties (10X); platinum elite status; fourth night free on award stays; a 20% discount on points purchases; and a free night e-certificate each year good for hotels costing up to 40K points.
  • Marriott Bonvoy Boundless: This $95 card offers an annual free night certificate for hotels costing up to 35K points; automatic Silver status; and 15 nights of elite credit each year.  Since Amex offers similar Marriott cards, I don’t see this one as a must-have except for one special use: if you really want the Ritz Carlton card, it might be possible to upgrade from the Boundless card once you’ve had it for a year.  Alternatively, it should be possible to downgrade to Chase’s no-fee Marriott Bold card.
  • Marriott Bonvoy Bold: This is a decent no-fee card for those who want some help acquiring Marriott elite status.  Like the premium Marriott cards, the Bold offers 15 nights of elite credit each year.

Business cards are special

Most business cards do not get reported as new accounts on your personal credit report.  As a result, Chase doesn’t count these cards towards 5/24.  This is true even with Chase business cards.

To be clear: the 5/24 rule does apply to Chase Business cards.  If you are over 5/24, you won’t get approved for new Chase business or consumer cards.  However, if you are under 5/24 and get approved for Chase business cards, those cards won’t add to your 5/24 count.  For example, suppose you have opened 4 new personal credits cards in the past 24 months.  You are now at 4/24 (4 cards in 24 months).  Next, you open two Chase business cards.  What is your new 5/24 count?  It is still 4/24 because Chase business cards don’t add to your 5/24 count.  If you then sign up for a personal card, you’ll be at 5/24.  And then if you apply for another Chase business card you’ll be denied.

Applying for Business Credit Cards

Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.

When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.

Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.

Chase’s must-have business cards

Chase has a number of terrific business cards.  Here are the ones I consider to be “must have”:

Ink Business Cash

Chase Ink Business Cash Credit Card

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Annual Fee: $0

Card Type: Visa Signature Business

Base
Dine
Gas
Phone
Office

Earning rate: ⚬ 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants

See also: Chase Ultimate Rewards Complete Guide

Earn 5X Ultimate Rewards points in several categories of spend.  No annual fee.  This card does impose foreign transaction fees.

The Chase Ink Business Cash is one of my favorite cards. It offers awesome 5X category bonuses (and a couple decent 2X bonuses), and even though it is advertised as a cash back card it actually earns valuable Chase Ultimate Rewards points. Surprisingly this no-fee card offers a few valuable perks as well: auto rental coverage, 1 year extended warranty, and 120 day purchase protection.

The card’s bonus categories are: 5X office supplies and 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually); and 2X gas and restaurants.  5X for office supplies is the true secret weapon of this card.  The reason this is so powerful is that you can earn 5X when buying gift cards at office supply stores.  OfficeMax, Office Depot, and Staples all sell many different gift cards in-store.  And Staples.com sells many gift cards online.

Unfortunately, this card does charge foreign transaction fees, so it is not a good choice for spend outside of the US.

Ink Business Unlimited

Chase Ink Business Unlimited

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred!


Annual Fee: $0

Card Type: Visa Signature Business

Base

Earning rate: 1.5X on all purchases.

See also: Chase Ultimate Rewards Complete Guide

Earn 1.5X Ultimate Rewards points everywhere.  No annual fee.  This card does impose foreign transaction fees.

This is a great card to pair with the Sapphire Reserve.  Use the Sapphire Reserve only for travel, dining, and international spend.  Use the Ink Business Cash for its 5X categories.  Use the Ink Business Unlimited for all other spend. Even though this card is advertised as a cash back card, it actually earns valuable Chase Ultimate Rewards points.  Move your Ink Business points to your Sapphire Reserve account in order to make the points more valuable.

Ink Business Unlimited alternatives:

  • Freedom Unlimited: The Freedom Unlimited card is nearly identical to the Ink Business Unlimited, but the Freedom card is a consumer card that will add to your 5/24 count  I recommend picking up the Ink Business Unlimited card instead of the Freedom Unlimited.

“Must have” summary

If you are able to sign up for business cards, then I recommend the following line-up of Chase cards:

  1. Sapphire Reserve: Earn 3X Ultimate Rewards points for travel & dining.  Points worth 1.5 cents each towards travel.  It may make sense to start with the Sapphire Preferred card (since it has a higher signup bonus) and then upgrade to the Sapphire Reserve later.
  2. Ink Business Cash: Earn 5X Ultimate Rewards points at office supplies and 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually); and 2X gas and restaurants.
  3. Ink Business Unlimited: Earn 1.5X Ultimate Rewards points for all other spend.
  4. United Explorer: When the annual fee comes due after a year, consider downgrading to the no-fee United card which preserves this card’s best features: Improved economy saver award availability, and last seat standard economy award availability.
  5. World of Hyatt:  Keep for the annual free night certificate.  Consider spending $15K per year for a second certificate, especially if you pursue Hyatt status since you’ll earn 2 elite qualifying nights with each $5K spend.

If you are not interested in signing up for business cards, then I recommend the following Chase cards:

  1. Sapphire Reserve: Earn 3X Ultimate Rewards points for travel & dining. Points worth 1.5 cents each towards travel.  It may make sense to start with the Sapphire Preferred card (since it has a higher signup bonus) and then upgrade to the Sapphire Reserve later.
  2. Freedom Unlimited: Earn 1.5X Ultimate Rewards points for all other spend.
  3. United Explorer: When the annual fee comes due after a year, consider downgrading to the no-fee United card which preserves this card’s best features: Improved economy saver award availability, and last seat standard economy award availability.
  4. World of Hyatt:  Keep for the annual free night certificate.  Consider spending $15K per year for a second certificate, especially if you pursue Hyatt status since you’ll earn 2 elite qualifying nights with each $5K spend.

What about the Southwest Companion Pass?

A post about “must have” Chase cards isn’t complete without considering Southwest.  Southwest offers one of the best deals in travel: earn 110,000 qualifying points within a calendar year and then a companion can fly free with you for an unlimited number of flights (paid flights and/or award flights) for the rest of that year and all of the next year.  Significantly, points earned from Chase Southwest credit cards do qualify.

The easiest way to earn a Southwest Companion Pass is to wait until near the end of a calendar year and then apply for both a personal and business Southwest card.  Make sure not to complete the minimum spend requirements until January 1st so that points will be awarded early in the new year.  With two signup bonuses, you will likely earn enough points for a companion pass that will be good for the rest of that year and all of the next.

So, this is obviously an awesome deal, but it requires staying a 4/24 or below in order to sign up for the Southwest cards.  (If you are at 4/24, you can get approved for a Southwest business card first and then go for either the other business card or a consumer card).

Luckily, if you first sign up for all of the “must have” cards that I listed, and no other consumer cards, you’ll end up at either 3/24 (with the mixed personal & business card version) or 4/24 (with the no-business-cards version).  So, you can still do the Southwest two card strategy to obtain the companion pass.  Note that the two card strategy requires signing up for at least one Southwest business card.

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

More articles by Greg The Frequent Miler »

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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Alex
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Alex

I didn’t think the double dip at 4/24 worked anymore. But it’s just for 2 personal cards. In the SW example above, where one is a business card, just make sure to apply for the business card first.

Blue
Guest
Blue

Glad you highlighted how important the United card is. XN availability is incredibly important to using United miles (and that’s directly tied to the value of UR).

Nick Reyes
Editor

You know, the United card was one of the first rewards cards I opened (and I still have the no-fee version). I don’t think I’ve ever booked one of the expanded availability awards. I can obviously see how they could be beneficial, I’ve just never found the spot where I needed one.

Blue
Guest
Blue

It’s pretty important if you’re not in a United hub (at least if you want to avoid a positioning flight).

Amol
Guest
Amol

I have UA Silver via Marriott and the XN has come in so clutch almost every big trip I take. It’s why UA miles still are sometimes more worth to me than LifeMiles

kDeen
Guest
kDeen

I use MPX alot, and the one benefit to the United Explorer card that was not mentioned was that you get a 25% bonus on MPX purchases – just for holding the card (you don’t even need to use it). Each year I make roughly $70 worth just on this bonus from the United Card, which reduces my effective annual fee to $25. I don’t know if the no-fee version has the same 25% bonus. but regardless, I consider the United Explorer card a keeper.

Aloha808
Guest
Aloha808

You still get the benefit from the no AF version.

Lisa
Guest
Lisa

3/24 and wanting a good bonus on the Reserve and Hyatt. Then I’ll bite

Brad
Guest
Brad

My wife already gas the Sapphire Reserve card. If I get a Business Ink Unlimited can we pool our points in one Ultimate Rewards account?

Pepe
Guest
Pepe

Awesome post Greg. It will be very nice to see what is the best strategy for two players in a future post or updating this one.
Thanks again for all your great research guys.

Brands
Guest
Brands

Great list, but anyone planning on signing up for 5 Chase cards in a short amount of time should be worried about a Chase shutdown, IMO.

Sophia
Guest
Sophia

Interestingly, this list would be different if you ranked based on first year value. In that case, the Chase Ink Preferred Business card would be the clear winner.

Diane
Guest
Diane

If I get the SouthWest Business card and put year end taxes on Dec 31, will the points post in Dec or Jan? I am trying for the companion pass for 2020 and the 80,000 pts plus my taxes/expenses should get me 110,000+. I guess I’m asking do points post when the transaction is made or statement closing. Thanks

Jill Anderson
Guest
Jill Anderson

I have the Ink Business Plus from long ago. If I add the Chase Business Cash will I be able to transfer my points from CBC to the Ink? Is the CBC considered a premium card like the Ink Plus?

Stefan Krasowski (Rapid Travel Chai)
Guest
Stefan Krasowski (Rapid Travel Chai)

Are other retired for new applications United cards like that Access or Select available for conversion?

frugalman
Guest
frugalman

Quite agree on most of the content. Just one thing I want to check, Greg: since I have old IHG card ($49 AF?), do you still think World of Hyatt is better? I don’t often find my chance to stay there since I have both Hiltion Aspire (x2) and old IHG (x2).

In another way, which is the best hotel credit card (chase or not) for a typical family to use for their say summer or December vacation (4~7 nights)? Both I and my spouse can apply so you can double count the FN.

Thanks!

wise2u
Guest
wise2u

multiple ihg cards may have looked good in the past, but with the added language of not currently having the card to get the signup bonus +$49 a year AF to keep the first card, it seems like a waste. My wife recently canceled hyatt and ihg to get the new cards and signup bonuses…and were approved for both…the IHG hotel we prefer for beach went from 35 to 40k last year, but with the 120k signup bonus, free night cert (40k) and 4th night free on award stays we wont see any negatives other than the increased AF….We started with CSR in 2017, then SW early 2018 and got the companion pass until dec 2020 with 2 cards, Got the 80k business sapphire (maybe with a 20k referral for me?) and new Hyatt this year (with 5k referral for me), followed by the IHG a few days ago….so glad we didn’t bite on the 80k offers….Those are our favorites

Allan
Guest
Allan

Right now the United card is offering only 40k which is low.

Points For Four
Guest
Points For Four

Is there a maximum number of Chase cards one can have? Currently I have CSR, CIP, Amazon, Disney, CIC, CF, and CIU. I’m 4/24 and hoping to go for the Southwest Companion Pass for 2020/21 with the Southwest Performance Business & Priority Cards, but am worried that might be too many Chase cards.

Points For Four
Guest
Points For Four

after that maybe the Hyatt card

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[…] “Must have” Chase cards […]

Josh
Guest
Josh

what is the consensus with the old hyatt card vs the new hyatt card, and if upgrading is worthwhile?

Stefan Krasowski (Rapid Travel Chai)
Guest
Stefan Krasowski (Rapid Travel Chai)

If you only care about the anniversary free night cert and won’t put spend on it, then don’t upgrade. If you care about earning Hyatt status or bonus point categories or have lots of paid Hyatt stays that you would use this cad or want to another anniversary cert for $15,000 spend, then a case for upgrade can be made. My annual interaction with Hyatt is (1) paying the card annual fee, (2) using my free anniversary night, so I’ve not upgraded.

Max
Guest
Max

“Hyatt does not impose resort or destination fees on award stays. ” Is this documented somewhere?

trackback

[…] recently posted a list of “must have” cards from Chase.  Chase has a lot of great cards but, thanks the 5/24 Rule, you can’t have them all.  In my […]

Aloha808
Guest
Aloha808

In one of your recent podcasts, one of you (I think it was Greg) mentioned your cutoff/breakpoint for putting spend on a transferable points card was 1.25 cpp. So if someone has a 2% cashback card such as the Double Cash, if they instead put that spend on a CFU/CIU they’re essentially paying 1.33 cpp for those points earned (2 cents/1.5 pts).

Therefore, since many folks have 2% cash back cards, I wouldn’t rate the CFU/CIU as must-have cards, since they’re making people pay too much for their points. These folks are better off getting a 2% back card (or better) or a Blue Business Plus for that general spend.

Greg
Guest
Greg

Any idea what the chances are of getting all 3 chase business cards for a small sole proprietorship with excellent credit (~800)?

When I applied for a second business card with Barclays recently, they actually denied me because they felt they had extended me enough credit on my first card. I called and got approved, but it worries me with chase. I’d love to get the preferred for the signup bonus, but the other two are the ones I’d actually use. So I’m trying to decide in which order I should apply for those 3 cards.

Greg
Guest
Greg

After reading through all the comments, it definitely sounds like I should apply for the CIU last. If I don’t get it, I can just downgrade the CIP next year. The question is, should I apply for the CIP or the CIC first? The CIC is by far the most useful to me (since I already have a CSR), but I feel like I’m more likely to get approved for both cards if I apply for the CIP first. Do people ever have problems getting approved for both the CIP and a no fee ink card (assuming I wait 30+ days between applications)?

trackback

[…] to lose your ability to get those cards due to signing up for cards first from other banks.  See: “Must have” Chase cards for more […]

skdelta
Guest
skdelta

[previous comment disappeared so reposting] Is the ‘no-fee United MileagePlus card’ still available? Recently downgraded a United MP Explorer card asking for the ‘no-fee’ version, and endedup with a TravelBank card, which seems quite useless for XN and last-seat award availability. As per Chase secure message folks: “…United TravelBank® account which is the only United® card that doesn’t charge any annual fee.” Does anyone have recent datapoints about the no-fee Miles (not TravelBank) card existing and how to ask for it? Thanks!

Brad
Guest
Brad

My wife and I both have the CSP. If she downgrades to the CFU can she still transfer her URs to my account given that she no longer has an “official” UR earning card? I’m looking at our strategy going forward.
Thanks.

Nick Reyes
Editor

Yes, absolutely. The Freedom and Freedom Unlimited do in fact earn Ultimate Rewards points — it’s just that if you keep the points associated with one of those cards they can only be redeemed for cash back at a rate of $0.01. You need to first move them to a CSP / CSR / Ink Business Preferred in order to then be able to transfer to partners.

Again, yes, she can transfer her URs to one additional member of her household (you). It is totally unnecessary to have two CSPs.