What Is the ‘Chase Trifecta’?

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
- It significantly increases the amount of rewards you earn from spending.
- It allows you to redeem those rewards for potentially greater value.
Cards that earn Chase Ultimate Rewards®
Consumer credit cards
How the cards compare
- Chase Freedom Flex®: It has an annual fee of $0 and earns 5% cash back on up to $1,500 in combined purchases each quarter on bonus categories that you activate (1% back after). It also earns 5% back on travel booked through Chase, 3% back at restaurants and drugstores, and an unlimited 1% on all other non-bonus-category spending. Through Sept. 30, 2027, you'll also earn 2% cash back on Lyft rides. Point value when redeemed for travel booked through Chase: 1 cent each.
- Chase Freedom Unlimited®: It has an annual fee of $0 and earns 5% back on travel booked through Chase, 3% back at restaurants and drugstores, and an unlimited 1.5% on all other spending. Through Sept. 30, 2027, you'll also earn 2% cash back on Lyft rides. Point value when redeemed for travel booked through Chase: 1 cent each.
- Chase Sapphire Preferred® Card: It has an annual fee of $95 and earns 5 points per dollar spent on travel booked through Chase; 3 points per dollar spent on dining, select online grocery purchases and select streaming services; 2 points per dollar spent on all other travel; and 1 point per dollar on all other spending. Through Dec. 31, 2027, you'll earn 5 points per dollar spent on eligible Peloton purchases over $150. And through Sept. 30, 2027, you’ll earn 5 points per dollar on Lyft rides. Point value when redeemed for travel booked through Chase: up to 1.75 cents each.
- Chase Sapphire Reserve®: It has an annual fee of $795 and earns 8 points per dollar spent on travel booked through Chase; 4 points per dollar spent on flights and hotels booked directly; 3 points per dollar spent on dining (10 points per dollar on Chase Dining purchases); and 1 point per dollar on all other spending. You'll also earn 10 points per dollar spent on eligible Peloton purchases over $150 through Dec. 31, 2027, and 5 points per dollar on Lyft through Sept. 30, 2027. Point value when redeemed for travel booked through Chase: up to 2 cents each.
Business credit cards
How the cards compare
- Sapphire Reserve for Business℠: It has an annual fee of $795 and earns 8 points per dollar on travel booked through Chase; 4 points per dollar on flights and hotels booked directly; 3 points per dollar on social media and search engine advertising; and 1 point per dollar on all other spending. Through Sept. 30, 2027, you’ll also earn 5 points per dollar on Lyft rides. Point value when redeemed for travel booked through Chase: up to 2 cents each.
- Ink Business Unlimited® Credit Card: It has an annual fee of $0 and earns an unlimited 1.5% cash back on all purchases. Point value when redeemed for travel booked through Chase: 1 cent each.
- Ink Business Cash® Credit Card: It has an annual fee of $0 and earns 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 in combined purchases at gas stations and restaurants each account anniversary year; and 1% on all other spending. Point value when redeemed for travel booked through Chase: 1 cent each.
- Ink Business Preferred® Credit Card: It has an annual fee of $95 and earns 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. All other spending earns an unlimited 1 point back. Point value when redeemed for travel booked through Chase: up to 1.75 cents each.
Benefits of carrying multiple Chase cards
Increased rewards potential
- The Chase Freedom Flex®, a card with rotating and fixed bonus rewards categories.
- The Chase Freedom Unlimited®, a card that earns at least 1.5% cash back on all purchases, plus more in specific categories.
- The Chase Sapphire Reserve®, a tiered rewards card.
Greater redemption value
- The Chase Sapphire Preferred® Card and the Ink Business Preferred® Credit Card can give you up to a 75% boost in value per point.
- The Chase Sapphire Reserve® offers up to a 100% boost in value. In the example above, you could redeem those 29,000 points for $290 in cash — or you could use them to book airfare or hotels via Chase and get up to $580 in value instead.
What to consider before diving in
Your break-even point
Your ability to juggle multiple cards
Your tolerance for booking exclusively through Chase's travel portal
Eligibility for another Chase card
Temptation to overspend
More about Chase Ultimate Rewards®
Article sources
Chase Sapphire Reserve®
Chase Sapphire Preferred® Card
Sapphire Reserve for Business℠