Are you under 5/24? Personally and what I'm doing now and before I cut all ties with chase. I'm getting every business card that pays UR points and transferring them over to my Reserve Card to get the 1.5 multiplier. We run a two person system with my wife playing the game so it adds up. If you get the Chase Ink Business Cash card plus the Ink Business Unlimited card that would be 100,000 free UR points that you could transferrer to your Reserve card and be worth $1500 in free travel. If you are married and do this twice that's $3000.