How to Maximize the Chase Card Trifecta

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Are you looking for a way to maximize your credit card rewards? The Chase Card Trifecta may be the answer. This strategy involves using three different Chase credit cards to earn the most rewards possible.

The Chase Card Trifecta typically consists of the:

Using these cards strategically, cardholders can earn bonus points in various spending categories and redeem them for travel, cash back, or other rewards.

Many credit card users have found great success with the Chase Card Trifecta, earning thousands of dollars in rewards each year. If you’re interested in learning more about this strategy and how to make it work for you, read on.

Chase Trifecta Cards

The Chase Card Trifecta is a combination of three credit cards from Chase that can help maximize your rewards-earning potential.

These three cards are the Chase Sapphire Preferred or Sapphire Reserve, the Chase Freedom Unlimited, and the Chase Freedom Flex.

Each card offers unique benefits and rewards that, when combined, can help you earn more points and miles.

Chase Sapphire Preferred

Best Starter Travel Card
Chase Sapphire Preferred® Card
  • bonus_miles_full
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 2x Points on All Other Travel Purchases
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases

Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription when activated by December 31, 2024, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

Chase Sapphire Reserve

Chase Sapphire Reserve®
  • bonus_miles_full
  • $300 Annual Travel Credit
  • 10x Points on Hotels and Rental Cars and 5x Points on Flights Booked Through Chase Ultimate Rewards
  • 3x Points on Dining, Takeout, & Eligible Food Delivery
  • 50% More Redemption Value
  • Priority Pass Airport Lounge Access
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $550 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Reserve® (review) is a great option for travelers who want premium perks such as airport lounge access and top-tier travel protections.

The Sapphire Reserve has a $550 annual fee, but you receive an annual easy-to use $300 travel credit and access to 1,300 Priority Pass airport lounges.

Plus, great benefits such as trip delay insurance, primary rental car insurance, trip cancellation insurance, lost luggage reimbursement, purchase and return protection, extended warranty, and no foreign transaction fees.

Cardmembers also earn extra points with:

  • 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards.
  • 3x points on travel.
  • 3x points on dining, and food delivery purchases.
  • 1x points everywhere else.

One thing to remember is that you won’t earn points on your first $300 in travel purchases each cardmember year since the $300 travel credit covers those purchases.

You can also cash out points at a 50% bonus (1.5 cents per point) when redeeming points towards travel or transfer the points to Chase’s airline and hotel partners.

Chase Freedom Flex

5% Back in Quarterly Categories
Chase Freedom Flex℠
  • Earn $200 Bonus Cash Back After Spending $500 in the First 3 Months
  • 5% Cash Back in Quarterly Bonus Categories (up to $1,500 in combined spending after activation)
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants, Eligible Food Delivery, and Drug Stores
  • Cell Phone Insurance and Purchase Protection
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Flex℠ is a great no-annual fee card that earns 5% cash back in quarterly categories (up to $1,500 in combined spending) and on travel purchased via Chase Ultimate Rewards.

The Freedom Flex also earns 3% cash back at restaurants, eligible food delivery, and drug stores.

The card also comes with nice benefits such as cell phone insurance, extended warranty, purchase protection, secondary rental car insurance, and trip cancellation/interruption insurance.

Chase Freedom Unlimited

No Annual Fee
Chase Freedom Unlimited®
  • bonus_miles_full
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants and Drug Stores
  • 1.5% Cash Back on All Other Purchases
  • 0% Intro APR for 15 Months (After that, a reg_apr,reg_apr_type APR.)
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Application Link: card_name

The card_name (review) is a good no-annual fee credit card option that offers 5% cash back on travel booked through Chase Ultimate Rewards, 3% cash back at restaurants, takeout, eligible delivery services, and on drugstore purchases. Plus it offers 1.5% cash back on all other eligible purchases.

The card also offers nice benefits such as purchase protection, extended warranty, trip cancellation/interruption insurance, and secondary rental car insurance.

How to Maximize the Chase Card Trifecta

Maximizing the Chase Card Trifecta involves using the right card for the right purchase.

This means understanding the bonus categories of each card and strategically using them to earn the most points possible.

Here are some tips to help you maximize your rewards:

  • Use the Chase Sapphire Reserve or Preferred for travel and dining purchases to earn 3x points per dollar spent.
  • Use the Chase Freedom Flex for rotating bonus categories and the Chase Freedom Unlimited for all other purchases to earn 1.5x points per dollar spent.
  • Combine points earned from all three cards to get the most value out of your rewards. Transferring points to travel partners or redeeming through the Chase Ultimate Rewards portal can increase their value by up to 50% for the Sapphire Reserve or 25% with the Sapphire Preferred.

Another way to maximize your rewards is by taking advantage of the sign-up bonuses offered by each card.

The Chase Sapphire Reserve and Preferred both offer generous sign-up bonuses, while the Chase Freedom Flex and Unlimited offer smaller bonuses but no annual fee.

Is the Chase Card Trifecta Right for You?

If you are someone who spends a lot on travel and dining, the Chase Card Trifecta might be the right fit for you.

The combination of the Chase Sapphire Reserve or Sapphire Preferred, Chase Freedom Flex, and Chase Freedom Unlimited can give you a lot of value for your spending.

However, if you don’t travel often or don’t spend much on dining, this may not be the best option for you. You may be better off with a different credit card that offers rewards in categories that align with your spending habits.

It’s also important to consider your credit score and whether you can handle multiple credit cards responsibly. If you have a low credit score or struggle to manage credit card debt, it may be best to avoid the Chase Card Trifecta.

Best Starter Travel Card
Chase Sapphire Preferred® Card
  • bonus_miles_full
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 2x Points on All Other Travel Purchases
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

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