Airways and inns regularly devalue their packages and improve the variety of factors and miles wanted for flights and award stays — that is nothing new.
Nonetheless, bank card consultants regularly stay loyal to Chase for 2 major causes: Excessive-value Chase Ultimate Rewards factors are versatile, and Chase provides a pairable card lineup that permits you to maximize each your incomes and redemption methods.
Whereas all Chase cards have stand-alone worth, combining three complementary ones can unlock a ton of worth throughout spending classes.
There are greater than three playing cards you’ll be able to create a trifecta from, however the typical setup that maximizes rewards consists of the Chase Sapphire Reserve® (see rates and fees), the Chase Freedom Unlimited® (see rates and fees) and the Ink Business Preferred® Credit Card (see rates and fees).
Here is how these playing cards work collectively to create an important bank card technique.
What’s the Chase Trifecta?
The Chase Trifecta is a pairing of three of Chase’s rewards-earning bank cards that make it easier to maximize your earnings via spending.
Regardless of a few of these playing cards incomes money again, you’ll be able to convert cash back to points since your trifecta choices all the time embrace an Final Rewards-earning card.
To maximise the worth of your rewards, we suggest converting all your rewards to Final Rewards factors, as TPG’s August 2025 valuations peg them at 2.05 cents apiece.
What playing cards are within the Chase Trifecta?
The Chase Trifecta usually consists of three playing cards:
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Notice which you could additionally pair a Sapphire card with two Freedom playing cards if you happen to do not qualify for or desire a enterprise card.
Chase Sapphire Reserve
Annual payment: $795.
Welcome provide: Earn 100,000 bonus factors and a $500 Chase Travel℠ promo credit score after spending $5,000 on purchases within the first three months from account opening. This welcome provide is value as much as $2,550 (together with the assertion credit score) primarily based on TPG’s August 2025 valuations.
Notice that the promotional credit score is legitimate for one-time use solely. Should you apply it to a transaction lower than $500, you’ll forfeit the remaining stability.
This card earns 4 factors per greenback spent on flights and inns booked immediately, plus 3 factors per greenback spent on eating (together with takeout and supply).
Its hefty $795 annual payment is offset by its $300 annual travel credit and as much as $500 annual The Edit credit score ($250 biannually) when reserving a two-night minimal keep. Different credit and perks, like a Priority Pass Select membership and entry to Chase’s rising community of Sapphire lounges, greater than make up for the steep annual payment.
You possibly can switch your factors to one in every of Chase’s 14 partners for maximum value. The Sapphire Reserve’s flexibility and incomes energy make it a superb journey companion and on a regular basis earner.
To study extra, take a look at our full review of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most popular Card
Annual payment: $95.
Welcome provide: Earn 75,000 factors after spending $5,000 on purchases within the first three months from account opening. This provide is value $1,538 primarily based on TPG’s August 2025 valuations.
In order for you a Chase product with a considerably decrease annual payment, go for the Sapphire Most popular. It is one of many best starter travel rewards cards and has a number of bonus-earning classes.
You will obtain many of the journey protections and insurances which are on the Sapphire Reserve, like main rental automobile insurance coverage and journey cancellation insurance coverage (an typically underrated however useful benefit), however at decrease ranges of protection.
To study extra, take a look at our full review of the Chase Sapphire Preferred.
Apply right here: Chase Sapphire Preferred Card
Chase Sapphire Reserve for Enterprise
Annual payment: $795.
Welcome provide: Earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening. This provide is value $4,100 primarily based on TPG’s August valuations.
The Chase Sapphire Reserve for Enterprise is the issuer’s first premium business card. Like its private counterpart, the Sapphire Reserve, it carries a $795 annual payment. Nonetheless, that payment might be offset by the laundry checklist of perks and over $2,000 yearly in assertion credit.
You will additionally obtain lounge entry by way of Sapphire and Precedence Go lounges and a set of buy and journey protections.
To study extra, take a look at our full review of the Chase Sapphire Reserve for Business.
Apply right here: Chase Sapphire Reserve for Business
Chase Freedom Limitless
Annual payment: $0.
Welcome provide: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
For the second a part of the trifecta, you might select the Freedom Limitless. This card is a wonderful selection for anybody who needs a catchall card for purchases that do not fall into bonus-earning classes with different playing cards, because it earns at the very least 1.5% again on all purchases.
To study extra, take a look at our full review of the Chase Freedom Unlimited.
Apply right here: Chase Freedom Unlimited
Chase Freedom Flex
Annual payment: $0.
Welcome provide: Earn $200 after spending $500 on eligible purchases inside the first three months of account opening.
With the Freedom Flex, you will earn 5% again on rotating quarterly categories (on as much as $1,500 of mixed spending per quarter, then 1% thereafter; activation required).
These quarterly classes are usually very straightforward to make use of and have beforehand included electrical automobile charging stations, Instacart and reside leisure.
To study extra, take a look at our full review of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Ink Enterprise Most popular Credit score Card
Annual payment: $95.
Welcome provide: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. This provide is value $1,845 primarily based on TPG’s August 2025 valuations.
To spherical out the trifecta, you will want an Ink Business card.
With the Ink Enterprise Most popular, you will earn 3 factors per greenback spent on journey, delivery, web, cable, telephone providers and promoting purchases made with social media websites and engines like google (on as much as $150,000 in mixed spending every account anniversary yr, then 1 level per greenback).
Together with main rental automobile insurance coverage on vehicles rented for enterprise functions, the Ink Enterprise Most popular additionally provides cellphone protection. This can change your cellphone if it is stolen or broken (as much as thrice per yr) with only a $100 deductible, so long as you pay your month-to-month cellphone invoice along with your card.
You possibly can even defend your staff’ cellphones if their service strains are included on the identical invoice. Simply be aware that the restrict is $1,000 per declare and a complete of $3,000 (or three claims) per 12-month interval.
To study extra, take a look at our full review of the Ink Business Preferred.
Apply right here: Ink Business Preferred Credit Card
How does a Chase Trifecta work?
When selecting a Chase Trifecta, think about what you are keen to pay in annual charges, your common journey and spending habits and whether or not you’re eligible for a business card.
Based mostly on these components, it would make sense to switch one of many enterprise playing cards listed above with one other Chase product. Every of those playing cards covers a definite spending space and provides distinctive perks as a part of a well-rounded credit card strategy.
Chase Sapphire Most popular vs. Chase Sapphire Reserve vs. Chase Sapphire Reserve for Enterprise
Inexperienced persons who’re cautious of the $795 annual payment on the Sapphire Reserve can change it with the Chase Sapphire Preferred.
The Sapphire Most popular encompasses a decrease redemption bonus with Points Boost and does not provide lounge access. Nonetheless, you will get pleasure from a $50 annual statement credit for inns booked via Chase Journey, plus a 10% points bonus in your anniversary primarily based in your earlier yr’s spending.
Lastly, you might skip the non-public Sapphire playing cards and go together with the Chase Sapphire Reserve for Business.
No matter which Sapphire card you choose, you will have entry to Chase’s switch companions.
Associated: Chase Sapphire Preferred vs. Sapphire Reserve: Should you go mid-tier or premium?
Chase Freedom Flex vs. Chase Freedom Limitless
If you have already got the Capital One Venture Rewards Credit Card or the Citi Double Cash® Card (see rates and fees) — each of which earn at the next charge on nonbonus spending — it would make extra sense so that you can have the Chase Freedom Flex as an alternative of the Chase Freedom Unlimited for the rotating quarterly classes.
Then again, if you do not have a card that earns greater than 1 level per greenback spent or 1% again in your nonbonus spending, the Freedom Limitless could also be a more sensible choice than the Freedom Flex.
Associated: Chase Freedom Flex vs. Chase Freedom Unlimited comparison: Rotating categories or flat cash back?
Ink Enterprise card or Sapphire Reserve for Enterprise?
Should you go for the Chase Sapphire Preferred as your major Sapphire card, you should still desire a premium journey card with advantages like lounge entry and assertion credit. The Chase Sapphire Reserve for Business can fill that gap.
Moreover, you probably have excessive promoting spending, you could wish to go for the Sapphire Reserve for Enterprise, because it earns an uncapped 3 factors per greenback spent on social media and search engine promoting, whereas the Ink Business Preferred‘s promoting bonus class is capped at $150,000 in mixed annual spending.
Nonetheless, if you happen to do not want lounge entry or premium perks, have excessive promoting spending or desire a decrease annual payment, you need to go for an Ink Enterprise card.
Not eligible for an Ink card? No drawback
It’s also possible to create a Chase Trifecta with out an Ink Enterprise card. Since Chase does not limit you to solely having one Freedom card, you’ll be able to carry the Freedom Flex and the Freedom Unlimited.
With this setup, you’d use your Sapphire card for journey and eating purchases, the Freedom Flex for five% money again on rotating quarterly classes and the Freedom Limitless for the rest that does not fall into these bonus classes.
That is additionally some of the cost-effective trifectas if you happen to go for the Sapphire Preferred, because the mixed annual charges can be simply $95.
In the meantime, you might hold both the Chase Sapphire Reserve and the Sapphire Most popular, plus the Freedom Limitless. Whereas that is an costly setup, with mixed annual charges costing $890, you’d cowl all bonus spending classes, particularly with journey, inns and flights booked immediately and earn at the very least 1.5 factors per greenback spent.
Different Ink Enterprise choices
The Ink Business Preferred is the most typical decide for the Chase Trifecta, nevertheless it is not the one possibility.
You possibly can additionally go for a no-annual-fee Ink Enterprise card, just like the Ink Business Cash® Credit Card (see rates and fees) or the Ink Business Unlimited® Credit Card (see rates and fees).
The Ink Enterprise Money earns 5% money again on the primary $25,000 you make in mixed purchases every account anniversary yr at workplace provide shops and on web, cable and telephone providers. The Ink Enterprise Money is an effective possibility for these with excessive spending in business-related bonus classes.
The Ink Enterprise Limitless earns 1.5% limitless money again on all purchases, making it an important catchall card for individuals who do not spend a lot on bonus classes.
Nonetheless, the Ink Enterprise Most popular is the one card that gives cellphone safety, so if you happen to drop your telephone typically, this can be one thing to contemplate.
Associated: Chase Ink Business Unlimited vs. Ink Business Cash: Battle of the cash-back business cards
Backside line
The last word purpose of constructing a Chase Trifecta is to maximise each greenback you spend by placing your purchases on the suitable bank cards. When constructing your individual model of the trifecta, think about Chase’s 5/24 rule and the way a lot time you are allotting between Chase functions.
For extra particulars on learn how to improve your approval odds, take a look at our guide to credit card application rules and restrictions.
Associated: Better together: The ultimate guide to the best credit card combinations
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