<prompt> Human: I have a Chase Business Preferred ink as well as a Chase Saphire Reserve. I was hoping someone more experienced than me can help me decide which one to keep and which one to give up. Some facts usage pattern -Ink has a 95 fee whereas Reserve has a 450 fee partially offset by a 300 travel credit Between the 2 cards I have about 250k UR which can be moved to either card.For next year, I dont expect to use either card too much 5-7k for the yr total. The only difference I can think of is that I will get 25 less UR credit if I were to use the travel portal if I keep the ink card for its lower annual fee Am I missing anything else worth considering?Thanks.  <response>: This will depend entirely on how you intend on using your points and the spending patterns.x200B;If you redeem your points through the chase travel portal for flights at 1.5 centspoint, then heavily consider the CSR. If you redeem for cash or just transfer to airline partners then either one will work.x200B;If you are a traveler and restaurateur, then keep the CSR.x200B;If you are a business owner or conduct heavy manufactured spend, then keep the Ink. x200B;If you are neither, then get rid of both by cancelling the ink and downgrade the CSR to a Freedom Unlimited. x200B;I have the ink and the CSR and recently ran the numbers on it determining what I needed to do to justify keeping them over a no annual fee card, and found I have a hard time justifying either. 