Bump.

Posted this in Some guy made 300k from CC Points/Rewards thread.

So, need a little help to kind of know where to go from here.

A little background, wife and I have always just had CC’s that didn’t really pay much on rewards, and I wasn’t comfortable enough to say “Hey, let’s run a lot of our expenses through a credit card for the rewards.” They were used more for emergencies.

So, fast forward to now, we own a retail business and are running all of our inventory through a Chase Ink Businss Premier. That ends up being around $400k per year. I’ve just been getting my 2% cash back and rolling along.

In the meantime, our personal financial situation (through some inheritance) has improved to where we are debt free (other than the house), and now I would feel comfortable running expense through a CC and start playing the rewards game. I don’t want to get complicated, but if there’s a way I can fly or stay somewhere for free, I want to do so.

Someone mentioned pooling points with Chase Sapphire in the other thread. Can someone explain a little how this works? I assume that if I have a Chase Sapphire account that my business can deposit the Business Premier points into the Sapphire account?

To kind of give a background on our typical yearly lives, we go on a couple true vacations per year, probably 4-6 weekends out of town per year, and then travel for business 3-4 times per year. We fly rarely, maybe on a plane once every 2 years, but if I had rewards that were tied to flying, renting cars, etc. we’d explore that option more. Wife’s a Hilton Honors member, I’m a Marriot and Hyatt member, but we really just stay where ever the best deal and most convenient place seems to be.

So what’s a good direction for me to go?

Chase Sapphire? Reserve or Preferred?