Originally Posted by
airfly56
....they tell me only one card can be linked and I need to unlink the other card first.
Who are "they"? Did you speak with Chase customer service or are you reading an on-screen message? To be sure we understand correctly, your wife is the primary cardholder on both the INK and the Sapphire Reserve account? Does she use one Username to access both accounts, or does she have a separate Username for personal and business cards?
Chase calls moving points from one Ultimate Rewards account to another "Combining", not "Transferring". It's best to use their terminology when communicating with Customer Service.