The Chase Trifecta is any combination of three Chase cards that earn lots of Ultimate Rewards (UR) Points. Using them in tandem for the right purchases is one of the best ways to earn more UR Points quickly.

Like the Citi Trifecta (and the Amex Trifecta to a lesser extent), the Chase Trifecta is customizable. That’s because there are many three-card combinations that can earn you a plethora of points. Therefore, this post will go over the seven UR-earning cards and then highlight a few popular. versions of the Chase Trifecta.

 

Premium Card Mini Reviews

The beauty of Chase is that you can mix and match cards to create your trifecta. But the catch is that you must have at least one premium card. Premium Chase cards let you transfer UR points to partners and can be considered “hubs” for your points.

This section quickly highlights each Premium card that can be used in a possible trifecta.

Chase Sapphire Reserve

Chase’s most premium card is the Chase Sapphire Reserve. It earns 3x UR points on Dining & Travel and comes with a sign-up bonus worth 50,000 points. New cardholders must spend $4,000 within the first three months to earn the bonus.

The Reserve comes with Chase’s famous $300 General Travel Credit and some of the best travel insurances in the industry. But it also has a $450 annual fee (NOT waived the first year).

Chase Sapphire Preferred

The Chase Sapphire Preferred is the Reserve’s “little sibling”. But its one of the best cards for those who are starting out. It earns 2x UR points on Dining & Travel and comes with a sign-up bonus worth 60,000 points. New cardholders must spend $4,000 within the first three months to earn the bonus.

The Sapphire Preferred has a $95 annual fee (NOT waived the first year), making it better for beginners. It’s also a Visa Signature, which means that it is easier to get than the Reserve. I had a Sapphire Preferred for over a year before upgrading to the Sapphire Reserve.

Chase Ink Business Preferred

Chase’s premium business card is the Ink Business Preferred. It has a $95 annual fee and earns 3x UR points in six different categories:

  • Cable & TV Services
  • General Travel
  • Internet Services
  • Phone Services
  • Shipping
  • Social Media and Search Engine Advertising Purchases

There is a limit of $150,000 per year across all categories. That means you can earn up to 450,000 UR points per year if you spend within the categories.

Furthermore, it comes with Chase’s largest sign-up bonus worth 80,000 UR points. New cardholders must spend $5,000 within the first three months to earn the bonus.

 

No Annual Fee Card Mini Reviews

The other cards in the Chase Trifecta have no annual fee. These cards earn cash back without a premium card. Otherwise, they become integral parts of the trifecta because they earn UR points that can be transferred to a premium card.

This section quickly highlights each no annual fee card that can be used in a possible trifecta.

Chase Freedom

The Chase Freedom is awesome because it earns 5x UR points on quarterly rotating categories. Your mileage may vary with this card because of the categories.

Nonetheless, picking up the Freedom might be great in the short-term because of its sign-up bonus. It comes with a bonus worth 15,000 UR points and a minimum spend of just $500. This is one of the easiest sign-up bonuses to earn, making it great for beginners.

Chase Freedom Unlimited

The Freedom Unlimited is Chase’s flat rate card. It earns 1.5x UR points on all purchases without any spending limits (hence its name). Like the Freedom, this card also comes with a bonus worth 15,000 points. It also has a minimum spend of just $500.

Chase Ink Business Cash

The Chase Ink Business Cash is one of my favorite business cards because of its earning potential. It earns 2x points on Dining and at Gas Stations. And best of all, it earns 5x points in the following categories:

  • Cell Phone Bills
  • Internet Bills
  • Office Supply Stores
  • TV & Cable Bills

This card also comes with a sign-up bonus worth 50,000 points with a minimum spend of $3,000. That’s one of the biggest bonuses I have ever seen for any no annual fee cards.

Chase Ink Business Unlimited

The Chase Ink Business Unlimited is basically the business counterpart of the Freedom Unlimited. Both cards have the same earning structure.

However, the Ink Business Unlimited comes with the same bonus as the Ink Business Cash (50,000 points with a minimum spend of $3,000). And it comes with a few more perks that are more relevant for entrepreneurs and business owners.

 

Three Suggested Combinations

You can now select three cards based on your travel plans, current card lineup, and budget. However, some people might want just two cards or even all four (like myself with the Chase Quartet). Your mileage may vary, and you can get as many or as few as you want. Three is a nice number for most transferrable points issuers and that served as the inspiration behind this post.

Here are two of my favorite combinations:

Sapphire Reserve – Ink Business Preferred – Freedom Unlimited

This is probably the most popular version of the trifecta. It’s the version that the Points Guy (H/T) talks about so often. But why?

You can earn 3x points in a staggering seven categories between the Reserve and the Ink Preferred! You get 3x points on travel (shared by both cards), dining, and the other five business categories. And all non-bonus spend earns 1.5x points.

Furthermore, you get all the travel benefits of the Reserve and the business benefits of the Ink Preferred. Some of the highlights include the $300 General Travel Credit, Chase Cell Phone Protection, and 6-Hour Trip Delay Insurance. However, all three cards have a total annual fee of $545, which is just $5 less than the Amex Platinum Card alone.

Sapphire Preferred – Freedom – Freedom Unlimited

This version of the Trifecta is best for beginners because you can earn a lot of points for just $95 per year. The Sapphire Preferred is the only card with an annual fee.

You can earn 5x UR points from the Freedom’s rotating categories as well as 2x points on Dining and Travel from the Sapphire Preferred. And all non-bonus spend earns 1.5x points.

Plus, you will receive most of the travel insurance benefits that comes with the Sapphire Reserve.

Sapphire Reserve – Freedom – Freedom Unlimited – Ink Business Cash

While this combination is not a trifecta, these are the four Chase cards that I use. You can also substitute the Reserve for the Sapphire Preferred if your travel expenses are not that much.

This combination earns 5x UR points from the Freedom’s rotating categories and the Ink Business Cash’s categories. It also earns 3x points on Travel and Dining as well as 2x points on Gas. And all non-bonus spend earns 1.5x points.

Moreover, I get all the benefits from the Sapphire Reserve for a $450 annual fee.

 

Final Draw

The Chase Trifecta is one of the most useful card combinations in the industry. It’s the best way to earn valuable Ultimate Rewards points quickly and reap some excellent benefits too. Beginners should look into the Chase Trifecta first because of Chase’s application rules (mainly 5/24). And experienced travelers can get lots of use from UR points as well, making the Chase Trifecta a viable strategy for lots of people.